Medibright Insurance
INSURANCE SPECIALISTS BASED IN BROWARD COUNTY, FLORIDA
Services we can help with:
ACA/Obamacare
We are an "ELITE BROKER" for Obamacare, and offering FREE Consultation, FREE Assistance to enroll, and FREE Follow-up services.
Medicare
We are specialists in assisting with all parts of Medicare, offering FREE Consultation. FREE Assistance to enroll. FREE Follow-up services.
Life Insurance
We are members of 'Life Underwriter Training Council Fellow (LUTCF)' professional insurance agents and financial advisors
**Need Help Choosing the Right Plan? We’ll answer your questions and help you compare your options—at no cost and with no obligation!
Frequently Asked Questions
1. What is Medicare?
Answer:
Medicare is a federal health insurance program primarily for people age 65 and older. It also covers certain younger individuals with disabilities or specific medical conditions. Medicare helps pay for hospital care, doctor visits, prescription drugs, and other healthcare services.
2. What is the Affordable Care Act (ACA) or Obamacare?
Answer:
The Affordable Care Act (ACA), often called Obamacare, is a health insurance program that helps individuals and families buy private health insurance. Many people qualify for financial assistance to lower their monthly premiums based on their income.
3. Who qualifies for each?
Answer:
In general, Medicare is for people age 65 and older, or certain younger individuals with qualifying disabilities. ACA Marketplace plans are available to people who are not eligible for Medicare and need individual or family health insurance.
4. Can I have both Medicare and an ACA Marketplace plan?
Answer:
In most cases, no. Once you’re eligible for Medicare, you generally should not keep an ACA Marketplace plan. Having both usually doesn’t provide additional benefits and could result in paying for coverage you don’t need.
5. When should I switch from an ACA plan to Medicare?
Answer:
If you’re approaching age 65 or becoming eligible for Medicare, it’s important to enroll on time. Waiting too long could leave you without the right coverage and may result in late enrollment penalties.
6. What are some common mistakes people make?
Answer:
Common mistakes include waiting too long to enroll in Medicare, keeping an ACA plan after becoming eligible for Medicare, or not reviewing all of their coverage options. Speaking with a licensed insurance professional can help you avoid costly mistakes.
7. What does Social Security have to do with Medicare?
Answer:
The Social Security Administration helps people enroll in Medicare and manages Medicare enrollment for many beneficiaries. However, Medicare benefits and coverage are administered by the Centers for Medicare & Medicaid Services (CMS).
8. Is Obamacare still available?
Answer:
Yes. The Affordable Care Act is still in effect, and millions of Americans continue to enroll in Marketplace health insurance plans each year. Financial assistance is available for many eligible individuals and families.
9. Do I have to enroll in Medicare when I turn 65?
Answer:
Not always. If you’re still working and have qualifying employer health coverage, you may be able to delay certain parts of Medicare without a penalty. Your situation is unique, so it’s important to understand your options before making a decision.
10. How can I choose the right health insurance plan?
Answer:
The right plan depends on your age, income, health needs, prescriptions, doctors, and budget. A licensed insurance specialist can help you compare your options and choose the coverage that best fits your needs.
