James Wareheim, Medicare Insurance Agent
James Wareheim
Wareheim Insurance Inc
Medicare Agent Licensed in FL
22+ Years of Experience
Contact Details
-
Location
Seminole, FL
About Me
Hi, my name is James and I am your local Medicare insurance broker. Medicare is my specialty and I am dedicated to helping you find the best plan that fits your specific needs and budget. We also help with dental, vision and life insurance plans.
I will take on the task of searching through plans from nationally and locally recognized companies so that you don't have to. Best of all, my services come at no cost to you. Get in touch with me today to explore your Medicare insurance options.
Be sure to mention that you found me on Medicare Agents Hub!
Directions to My Office
Q&A with James Wareheim
What's your go-to strategy for helping someone decide between Medicare Advantage and Medigap?
Answer: There is not a set answer. We would need to talk about the needs of the client. Look at their budget and other factors to help them decide what is best for them.
What's the best way for seniors to protect themselves from Medicare-related scams?
Answer: Try to avoid calling 800 numbers you see advertised on TV, mailers and print. Find a trusted agent. Usually one of your friends knows someone they work with. Make sure you get copies of the plan details. Have them check your doctors and prescriptions to make sure you don't have any surprises.
If it sounds too good it just may be. Check the details.
Why are seniors losing Medicare Advantage plans?
Answer: I haven't seen anyone losing Medicare Advantage plans in Florida with the carriers we work with. The plans change on an annual basis and some plans may be dropped but other plans are offered. The benefits can also change.
Traditional Medicare is consistent and doesn't change. Rates for supplements can increase. For someone looking for consistent coverage without having to stay in a network that is a good way to go if it works for your budget.
Why are people leaving Medicare Advantage plans?
Answer: I haven't had that experience. But if a person can budget for it, staying in Medicare and buying a Supplement with a separate drug card gives you less potential out of pocket expenses. Although you don't get all the extra's of a Medicare Advantage plan. I do prefer the PPO plans over HMO plans in most cases.
Are Medicare Advantage plans really "free," or is that just clever marketing?
Answer: Some plans are and some plans are not. Some have premiums and some don't. It's important to sit with your advisor and go over the options so you can decide what works best for you. Every year the plans can change somewhat, it is good to review them at open enrollment.
I was already scheduled for total knee replacement when I took out my policy, will my supplemental plan G still pay?
Answer: It depends. Were you in your initial open enrollment. In other words did you just turn 65? If so yes.
What's a red flag in a phone call that it might be a Medicare scam targeting my personal info?
Answer: If they are asking for your social security number and or Medicare number. They will also press you to make a decision so you will give them all your information including bank info.
What do you like most about being a Medicare agent?
Answer: I find that I'm able to sit down with people and either help them get started with Medicare when they are turning 65 or at the annual open enrollment period to review their current plan and plan options.
Having an office for folks to visit while we talk seems to put them at ease knowing we are an established agency and not just an agent trying to get their business. Having been working in the insurance industry for over 20 years I am more interested in helping them and not what my commission will be.