Confused About Medicare? Let’s Make It Simple.

If you’re turning 65 or already enrolled in Medicare and are unsure what to do next, you’re not alone. Medicare involves important decisions that can affect your costs, coverage, and flexibility for years to come — I help you understand your options clearly so you can decide with confidence.

40+Years of Insurance Experience
LicensedMD Life & Health Agent
$0Cost for My Help
LocalServing All of Maryland
David Wagenheim, Medicare Specialist
David WagenheimYour Medicare Specialist

Medicare Guidance — Clear, Personal, Unbiased

I provide one-on-one guidance to help you:

  • Understand how Medicare works
  • Compare Medicare Supplement (Medigap) and Medicare Advantage plans
  • Review prescription drug coverage options
  • Evaluate costs, coverage, and long-term implications

You’ll receive straightforward explanations in plain language — without pressure.

Two seniors in a maze

Attend a Medicare Workshop

This workshop was much easier to understand than other sessions we've attended.
Clear, comprehensive, well-organized.
Wish I'd heard this info several years ago!

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Request one-on-one help

By phone or in-person. Get clear answers specific to you.

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Request a free Guide to Medicare

An easy-to-understand guide to get you started.

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Why Clients Choose Me

Independent Medicare Specialist

Licensed life and health insurance agent focused on Medicare planning.

Multiple Carriers

Access to a wide range of Medicare insurance companies.

Local to Maryland

Serving the Greater Baltimore Area and throughout Maryland.

40+ Years of Insurance Experience

Providing insurance solutions with integrity since 1983.

Objective Guidance

I explain your options and the trade-offs so you can decide what fits your needs.

No Cost for My Help

If I assist with enrollment, I’m paid by the insurance company — not by you. Your premium is the same whether you enroll with me or on your own.

Why Getting Medicare Right Matters

Certain Medicare decisions can:

  • Create permanent late enrollment penalties
  • Limit future coverage options
  • Increase out-of-pocket costs

Understanding your choices before you enroll — or before you switch plans — can help protect both your healthcare access and your finances.

Schedule a Medicare Review

If you’re:

  • Turning 65
  • New to Medicare
  • Leaving employer coverage
  • Reviewing your current plan

I’m here to help.

What you can expect:

  • A personalized Medicare review
  • Clear answers to your questions
  • Guidance tailored to your health needs and budget
  • No pressure

Make your Medicare decisions with clarity and confidence.

Maryland plans I represent

Medicare Supplement Insurance (aka Medigap)

  • Ace Property & Casualty Ins. Co.
  • Aetna
  • Aflac
  • Bankers Fidelity Assurance Company
  • CareFirst BlueCross BlueShield of Maryland
  • Cigna
  • Humana
  • Mutual of Omaha
  • United American Life Ins. Co.
  • United Healthcare (AARP)
  • Wellabe/Medico
  • and many more.

Medicare Advantage Plans

  • Aetna
  • Alterwood
  • CareFirst BlueCross Blue Shield of Maryland
  • Cigna Healthcare
  • Humana
  • Johns Hopkins Medicare Advantage plan
  • Kaiser Permanente
  • United Healthcare (AARP)
Call Now: 443-608-4018