Sean Willingham, Medicare Insurance Broker
Sean Willingham
The Medicare Man
Medicare Broker Licensed in TX, AL, FL, LA, NC, NM, OR, PA, SD, TN and VA
22+ Years of Experience
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San Antonio, TX
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About Me
I have specialized in Medicare since 2003. As an independent agent I can shop multiple top insurance companies to offer my clients the coverage they want at the best price.
Directions to My Office
My Google Reviews
17 Total Reviews (5.0)
January 10, 2024
Very clear explanations of very complicated choices. Patient, friendly. Thank you.
December 6, 2023
Awesome service. Took care of switching back to original Medicare - painless!! Prompt with appointments and call backs. Highly knowledgeable.
December 1, 2023
Mr Willingham is very knowledgeable. He made it easy to understand between the medigap and an advantage plan. He’s very nice and easy going. We will refer him to our friends and family.
November 28, 2023
Sean is personable, efficient and professional. He knows his "stuff" and makes the process easy. I like the sense of peace I have after every conversation with Sean. He's a hero!
November 17, 2023
I had an exceptional experience working with Sean Willingham for my Medicare enrollment. His depth of knowledge and expertise in navigating the complexities of Medicare Part B medical insurance and prescription drug plans were invaluable to me. Sean provided me with comprehensive information, addressing all my questions and making sure I understood every aspect of the enrollment process. His dedication to ensuring I had the right coverage tailored to my needs was evident throughout our interactions. Top-notch efficiency and customer service. Outstanding!
Q&A with Sean Willingham
What do you like most about being a Medicare agent?
Answer: Helping people with Medicare since 2003 has been incredibly rewarding. We have developed an easy 4 step process for Medicare:
Step 1: What parts of Medicare should you enroll in?
Step 2: If yes, how and when to enroll in Medicare properly.
Step 3: Deciding between Original Medicare and Medicare Advantage.
Step 4: Picking an insurance company.
Our customers enjoy our easy 4 step process because it is a pain free experience that results in the proper selection and enrollment into Medicare.
We have the privilege of helping people with Medicare every day!
What is the biggest mistake seniors make when enrolling in Medicare?
Answer: The 3 most common mistakes I encounter with Medicare are:
Mistake # 1: Improper Enrollment (Messing up your Initial, Special, or General Enrollment can result in unnecessary penalties for the rest of your life. Don't do it!)
Mistake # 2: Bad Plan Selection (You need to understand the difference between Original Medicare and Medicare Advantage then comparison shop multiple plans available to you in your area.)
Mistake # 3: Not Doing Periodic Reviews (Plans change annually and your circumstances change constantly. It is important to review your coverage regularly to ensure that you are on the correct plan.)
I'm interested in nutrition counseling to help manage my diabetes. Will Medicare cover this as preventive care?
Answer: Yes, Medicare covers nutrition counseling to manage diabetes. This is known as medical nutrition therapy (MNT).
How does Medicare handle coverage for experimental treatments or clinical trials?
Answer: Experimental treatment or investigational device being tested in trial is typically not covered by Medicare. However, Medicare does cover routine costs associated with qualifying for clinical trials, but not the investigational treatment itself. These costs include doctor's visits, hospital stays, diagnostic texts, and medical care related to side effects. To know if Medicare will cover a specific service, it is best to communicate directly with the provider of that service. For example, to know if Medicare will cover a diagnostic test, it is best to ask the provider of that diagnostic test.
I want to get a shingles vaccine. Will Medicare cover this preventive service?
Answer: The shingles vaccine is covered by Medicare Part D. You will be responsible for the out-of-pocket expenses that are specific to the Medicare Part D plan you are enrolled in. Medicare Part D is the prescription drug portion of Medicare.
I keep hearing about free preventive services with Medicare. What exactly is free and what will I still pay for?
Answer: Medicare Part B covers many preventive services with no cost-sharing if you meet certain criteria and see a Medicare approved provider. Free preventive services include:
-"Welcome to Medicare" Initial Preventive Visit
-"Wellness" Visit Annually
-Screening for many cancers, cardiovascular disease, diabetes, etc.
-Vaccinations such as Flu shots, COVID-19 vaccines, Hepatitis B shots, and Pneumococcal shots
-Counseling for alcohol misuse, tobacco use prevention/cessation, and obesity behavioral therapy
Services that you may still pay for:
-Diagnostic Services (If a preventive screening leads to the need for further testing or treatment, you may be responsible for a portion of the cost depending on your Medicare plan)
-Services from providers that do not participate with Medicare.
-Services not covered by Medicare.
How do you educate clients who are completely new to Medicare?
Answer: We have found that it is best to break down the "Road to Medicare" in 4 easy steps:
Step 1: Do I need to sign up for Medicare? Not everyone signs up for Medicare when they turn 65. This depends on the other insurance options available to you.
Step 2: If yes, how and when do I sign up for Medicare? It is important to not mess up your Initial, Special, or General Enrollment Period because you could be unnecessarily paying penalties for the rest of your life!
Step 3: Deciding between Original Medicare and Medicare Advantage. There are 2 fundamentally different ways to get your Medicare benefits. This decision will have a major impact on your cost and coverage details moving forward.
Step 4: Picking an insurance company. An independent insurance agent can comparison shop plans from multiple companies to get you the best fitting plan.
If you follow these 4 steps, the "Road to Medicare" will be safe and pleasant!
My mom is considering switching to a Medicare Advantage plan because her friends say it's better. She's scared of losing her current doctors. How can we check?
Answer: We have a computer system that compares Medicare Advantage plans for our customers. By inputting the doctors' names into the system, we can show you which plans the doctors are in-network with. It is important to note that provider networks with Medicare Advantage plans do change, but the Original Medicare program has no-network.
Are Medicare plans and requirements different for every state?
Answer: Yes, Medicare plans and requirements can differ by state. White Original Medicare (Parts A & B) has the same cost and coverage nationwide, Medicare Supplement (Medigap) policies have state specific plans and requirements. Moreover, Medicare Advantage (Part C) plans are specific to your county of residence, so Medicare Advantage plans not only differ by state, but they also differ by county.
How can I lower my Medicare Part B premium if my income drops after retirement?
Answer: Income-Related Monthly Adjustment Amount: Life-Changing Event (Form SSA-44) can be used to reduce or eliminate the additional premium adjustments charged to those with higher income. There are 8 Life-Changing Events: Marriage, Divorce/Annulment, Death of Your Spouse, Work Stoppage, Work Reduction, Loss of Income-Producing Property, Loss of Pension Income, and Employer Settlement Payment. If you have one of these events that results in a reduction of income, this form will reduce or eliminate the IRMAA immediately rather than waiting for it to happen automatically 2 years later.