Question 1

Who is South Florida Insurance Brokers (SFIB) and what do you do?

Accepted Answer

SFIB is a 22-year-experienced, fully licensed Medicare and health-insurance brokerage helping Florida residents compare and enroll in Medicare Advantage, Supplement (Medigap), Part D, Obamacare, and life-insurance plans.

Question 2

How much does it cost to get Medicare advice from SFIB?

Accepted Answer

Our Medicare consultations are 100% free—no fees, no obligation. We’re paid by the carriers, not by you.

Question 3

Am I eligible for Medicare in Florida, and when should I apply?

Accepted Answer

Most Floridians qualify at age 65 (or earlier with certain disabilities). Apply during your Initial Enrollment Period—the 7-month window that starts three months before your 65th birthday.

Question 4

What’s the difference between Original Medicare and Medicare Advantage?

Accepted Answer

Original Medicare (Parts A & B) is government-run; Medicare Advantage (Part C) bundles the same hospital and medical coverage—often with extras like dental, vision, and hearing—through private insurers. SFIB compares both to find your best fit.

Question 5

Do I need a Medicare Supplement (Medigap) plan?

Accepted Answer

If you stay with Original Medicare, a Medigap policy can pay the deductibles and 20% coinsurance that Medicare leaves behind. Our agents show you which Supplement plan saves you the most.

Question 6

Can SFIB help me choose the right Part D prescription plan?

Accepted Answer

Yes. We review your medications and pharmacy preferences, then recommend a Part D plan or Medicare Advantage plan with drug coverage that minimizes your annual costs.

Question 7

I’m moving within Florida (or out of state). Will my Medicare coverage change?

Accepted Answer

Possibly—especially if you’re in a Medicare Advantage or Part D plan with regional networks. Contact SFIB before you move; we’ll handle the Special Enrollment paperwork and keep your coverage seamless.

Question 8

Does SFIB speak Spanish or other languages?

Accepted Answer

¡Sí! Nuestros agentes bilingües ofrecen asesoría completa en inglés y español para que entiendas cada detalle de tu cobertura.

Question 9

What Obamacare benefits can SFIB help me access?

Accepted Answer

We enroll individuals and families in ACA plans that cover preventive care, emergencies, prescriptions, maternity, and pre-existing conditions—often with income-based subsidies that lower your monthly premium.

Question 10

How do I schedule my free insurance analysis?

Accepted Answer

Call 786-303-8065, fill out our contact form, or visit our Miami office to meet a licensed agent in person or online.

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