Justin Scheiner, Medicare Insurance Agent
Justin Scheiner
Medigaprx
Medicare Agent Licensed in FL, CT, GA, NJ, NY and SC
10+ Years of Experience
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Location
Fort Lauderdale, FL
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About Me
Justin is a seasoned Medicare broker with over a decade of experience in the industry. As the founder of MedigapRx, one of the premier full-service agencies, he has established a reputation for excellence in Medicare consulting.
Our agency is licensed with all major carriers, allowing us to provide unbiased advice and personalized guidance tailored to each client’s unique needs. Our primary goal is to assist you in determining the most suitable Medicare coverage for your specific situation.
At MedigapRx, we take immense pride in offering a white-glove service to all our clients, ensuring that each individual receives the highest level of attention and care throughout their Medicare journey.
Q&A with Justin Scheiner
What is the biggest mistake seniors make when enrolling in Medicare?
Answer: The biggest mistake I see seniors make when enrolling in Medicare is listening to friends. Everyone’s situation is different — what worked for your neighbor or coworker might not be right for you. Medicare isn’t one-size-fits-all, and making decisions without personalized guidance can lead to unexpected costs or gaps in coverage.
Why might Original Medicare with a Part D plan be better than a Medicare Advantage plan for frequent travelers?
Answer: Original Medicare combined with a Part D prescription drug plan offers flexibility, nationwide access, and consistent coverage, making it an excellent choice for frequent travelers. Unlike Medicare Advantage plans, which are often geographically limited and depend on specific provider networks, Original Medicare with Part D ensures you can access care and prescriptions anywhere in the United States without restrictions.
What is the biggest disadvantage of Medicare Advantage?
Answer: The biggest disadvantage of Medicare Advantage plans is their restrictive provider networks, which limit access to healthcare providers and specialists outside the network, often leading to higher out-of-pocket costs for out-of-network care.
Can I backdate my Medicare enrollment if I missed my initial window due to a medical emergency?
Answer: If you missed your initial Medicare enrollment due to a medical emergency, you may be able to request Equitable Relief, which can allow for backdated coverage in certain cases. You’ll need to provide documentation and contact Social Security to formally request it.
I'm turning 65 next month and the amount of Medicare mail I'm getting is overwhelming. How do I sort through all this?
Answer: Medicare mail is designed to overwhelm you — and confuse you into bad decisions. As your broker, I cut through the noise. If it’s not from Social Security, shred it. I personally deliver your real documents, ID cards, and updates, so you stay informed, protected, and in control.