Frequently Asked Questions

Trusted • Licensed • Compliant

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Licensed Medicare Agent

Appointed with Major Carriers

Privacy & Terms Protected

NPN / License Number available upon request.

Proudly representing trusted Medicare insurance companies.

Your information is always handled with care and confidentiality.

Privacy Policy and Terms of Service available below.

Licensed, appointed, and dedicated to providing accurate, compliant Medicare support.

Frequently asked questions

What services do you provide?

We help people compare Medicare Advantage (Part C), Prescription Drug Plans (Part D), and Medicare Supplement (Medigap) options. We'll explain benefits, costs, networks, and help you enroll — all with no pressure.

Do you charge for your help?

No. My guidance and initial consultations are free for clients. Insurance carriers typically compensate agents for enrollment, so there is usually no fee for the consumer.

Are you affiliated with Medicare or the government?

No. We are an independent, licensed Medicare insurance agent and not affiliated with or endorsed by the U.S. government, Medicare, or Medicaid.

Will you contact me after I submit the form?

Yes. After you submit the form we will contact you within one business day to schedule a short call and discuss your needs.

What information should I have ready for our call?

Helpful items: your Medicare card (if you have one), a list of medications (names, doses), current doctors you want to keep, and any current insurance plan details. If you don’t have these, we’ll still get started.

Do you represent all insurance companies?

No single agent represents every plan in every area. We are appointed with multiple major carriers so we can show several options — but we do not represent every plan available in your county.

When can I change plans?

Annual Enrollment Period (AEP) runs each year (Oct 15, 2025 – Dec 7, 2025) for most changes). There are other special enrollment periods for qualifying life events. We’ll explain which windows apply to your situation.

How is my personal information handled?

Your privacy is important. Information you submit is used only to compare plans and assist with enrollment. For details, please read our Privacy Policy and Terms of Service (link at the bottom of this page).

Can you help me switch plans if I’m unhappy?

Yes. If you want to change plans, we’ll show you options and assist with the switching process during the appropriate enrollment period.

What areas do you serve?

We serve Florida. If you’re outside that area please check with me — We may still be able to help, or We’ll refer you to a local licensed agent.

How soon will my coverage start after enrollment?

Coverage start dates depend on the plan and enrollment window. We’ll confirm exact effective dates during enrollment so you know when coverage begins.

How do I file a complaint about a plan or agent?

If you have a complaint regarding a plan or agent, contact the plan directly or your state’s Department of Insurance. If you’d like assistance, we’ll help you escalate the issue.

Can I get quotes and enroll on my own?

Yes. You can use our Sunfire portal to look up quotes and if you want to enroll in a Medicare Advantage plan or Medicare Supplemental plan, you can do so at that same site.

Terms and Conditions

Welcome to Afinius Health, LLC!

These Terms of Service (“Terms”) govern your use of the website operated by Afinius Health, LLC (“Company,” “we,” “us,” or “our”). By accessing or using this website, you agree to these Terms and our Privacy Policy. These Terms form a legally binding agreement between you and the Company. If you are helping another person use this website, you accept these Terms on their behalf as well.

Eligibility & Purpose of the Website

This website is intended for use by individuals 18 years of age or older and is designed for a United States audience. The Content is provided for informational and educational purposes only and is not medical, financial, or legal advice. In the event of a medical emergency, call 911.

Medicare & Insurance Disclaimers

Afinius Health, LLC works with licensed insurance agencies to provide access to health plans. We do not represent every plan available in your area. For a complete listing of options, visit Medicare.gov or call 1-800-MEDICARE. We are not affiliated with or endorsed by any government agency, including Medicare or Medicaid.

Permitted Use of Website & Content

You may use this website for researching health insurance options, requesting information, or applying for plans (where available). All information, text, graphics, logos, and other Content are owned by the Company or its licensors and are protected under intellectual property laws. No ownership rights are transferred to you by accessing this site.

Restrictions on Use

You may not misuse the website or Content, submit false information, copy Content for commercial use, attempt unauthorized access, post unlawful material, or interfere with site security or availability.

Submission of Personal Information

By providing contact details, you consent to being contacted by the Company or its partners about insurance plans, products, and services via email, phone, or automated messages. This consent is not a condition of purchase. You may opt out of marketing communications at any time. Submitted information is subject to applicable privacy laws.

Accuracy of Information & Availability

We strive to provide accurate and current information, but plan details, pricing, provider networks, and coverage may change. The website may be unavailable from time to time for maintenance. We reserve the right to add, modify, or remove Content without notice.

Links to Third-Party Websites

Our site may link to third-party sites for convenience. We do not control or endorse those sites and are not responsible for your interactions with them.

No Warranties

ALL CONTENT IS PROVIDED “AS IS” AND “AS AVAILABLE.” We make no warranties regarding accuracy, reliability, or availability. We do not guarantee the site will be uninterrupted or error-free. Take precautions to protect your devices.

Limitation of Liability

The Company and its affiliates shall not be liable for damages arising from your use of the website, including indirect or consequential damages. Our total liability, if any, shall not exceed $100 USD. For New Jersey residents, liability is limited as permitted under state law.

Indemnification

You agree to indemnify and hold harmless the Company and its affiliates from claims, damages, or expenses arising from your use of the website or violation of these Terms.

Dispute Resolution & Arbitration

All disputes related to these Terms shall be resolved through binding arbitration under the American Arbitration Association rules. Arbitration will take place in West Palm Beach, Florida. By using this website, you waive the right to a jury trial.

Governing Law

These Terms are governed by the laws of the State of Florida, without regard to conflict-of-law principles.

Severability

If any provision is found unenforceable, the remaining provisions will remain in full force and effect.

Contact Information

Afinius Health, LLC
Phone: (561) 201-6762
Email: AfiniusHealth@gmail.com