David Wynne, Medicare Insurance Broker
About Me
Hello, I’m David Wynne, your trusted Medicare insurance advisor in the Low Country. With years of experience helping seniors navigate Medicare, I specialize in finding the perfect coverage for your needs—whether it’s a Medicare Supplement Plan or a Medicare Advantage Plan.
As one of the top sources for senior health insurance in the Low Country, I’ve earned dozens of five-star Google reviews from satisfied clients. My goal is to make the Medicare process as simple as possible, providing personalized, no-cost advice that’s tailored to your specific health and financial situation.
I work with most of the Medicare insurance providers, both nationally and locally, giving you access to a full range of Medicare plan options. Whether you're new to Medicare or looking to switch plans, I’ll help you understand all of your options and choose the right one for you.
Contact me today to discuss your Medicare insurance options, and be sure to mention you found me through Medicare Agents Hub!
Q&A with David Wynne
What is the biggest mistake seniors make when enrolling in Medicare?
Answer: Enrolling in Medicare for the first time can be a daunting task. For seniors, taking the time to fully understand what options are available should be a priority ahead of your Initial Enrollment period. Working with a licensed professional that is local, is a great way to solid guidance. At Living Well Benefit Advisors, our goal is to educate the client and let them decide what plan will work best for their personal needs.
How can I make sure I'm not overpaying for my Medicare plan, and are there any tools or resources you recommend?
Answer: Understanding your medicare plan is important. There is a lot of information out there including some bad opinions. Thats why working with a local agent is important. Having an educated and licensed agent guide you and provide solutions for your specific needs, is the best way to get the right recommendations.
What's the most important question I should be asking about Medicare that I probably haven't thought of yet?
Answer: The most over looked question when asking about Medicare and many people don’t realize that, if your income is above certain limits, you’ll have to pay more for Medicare Part B and Part D. This is called IRMAA (Income-Related Monthly Adjustment Amount). It can catch people off guard, especially if you sell a home, take money from retirement accounts, or have a high income in retirement. Planning ahead can help you avoid paying more than you need to!
How can I get dental and vision coverage with Medicare?
Answer: Original Medicare (Part A and B) does not cover routine dental or vision care like cleanings, fillings, eye exams, or glasses. If you prefer to stay on Original Medicare, you can buy standalone dental and vision insurance from private companies. Some people also choose discount plans, which offer reduced rates for services but are not insurance. Alternatively, some people choose a Medicare Advantage (Part C) plan, which often includes dental and vision benefits. These plans are offered by private insurers. To understand what is right for you, speaking with a local licensed agent will help you get the right information to make a informed decision.
I just enrolled in Medicare, and I've got my Part A and B, but I'm hearing there are gaps in coverage. What are these gaps exactly?
Answer: Original Medicare (Parts A and B) covers many basic health services but leaves several important gaps. There’s no annual out-of-pocket maximum, so you could end up paying a lot if you need extensive care. You’re also responsible for deductibles and 20% coinsurance on most services.
It doesn’t cover routine dental, vision, or hearing care, and it excludes most outpatient prescription drugs unless you add a separate Part D plan. Long-term care and medical services outside the U.S. are also not covered.
To help with these gaps, many people choose a Medigap policy or a Medicare Advantage (Part C) plan, which can include extra benefits and limit your out-of-pocket costs.
By working with a Licensed Local agent like myself, we can talk through the options that are available so you can make an informed decision.