Anis Arfaoui, Medicare Insurance Broker
Anis Arfaoui
Shield4Health
Medicare Broker Licensed in CA, FL, IA, KS, MI, NC, OR and WV
Contact Details
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Location
Pembroke Pines, FL
About Me
Hi! My name is Anis, and I am your dedicated Medicare consultant and agent. My focus is on Medicare, and I am committed to assisting you in finding the most suitable plan that aligns with your unique needs and budgetary constraints. I will tackle the challenge of sifting through plans from nationally and locally recognized companies, so you don't have to. What's more, my services are entirely free! Reach out to me today to explore your Medicare insurance options and be sure to mention that you discovered me on Medicare Agents Hub!
Directions to My Office
Q&A with Anis Arfaoui
I'm getting conflicting information about whether Medicare covers my specific medication. How can I get a definitive answer?
Answer: You original Medicare will cover Part A and B only, however if you need your Medication to be covered, you must have Part D, with is Prescription Drug coverage or Part C, which is Medicare Advantage Plan.
I just got Medicare Part A, and I'm worried about hospital stays. How do I know if my overnight stay will be covered fully?
Answer: When it’s covered
You must be formally admitted as an inpatient (not just “under observation”).
The hospital must accept Medicare.
The stay must be medically necessary.
💰 What you pay in 2026 (Part A only)
You pay the inpatient deductible per benefit period.
After the deductible, days 1–60 are fully covered.
Days 61–90 require a daily coinsurance.
After 90 days, you use lifetime reserve days (higher coinsurance).
Can you explain Special Needs Plans in Medicare?
Answer: In Medicare, Special Needs Plans (SNPs) are a type of Medicare Advantage plan designed for people with specific health or financial situations.
They combine Part A (hospital), Part B (medical), and usually Part D (prescription drug) coverage into one plan — but with benefits tailored to certain groups.
What's the most cost-effective way for a healthy 65-year-old to structure their Medicare coverage?
Answer: You keep Medicare Part A & B, and instead of traditional Medicare plus add-ons, you enroll in a Medicare Advantage (MA) plan offered by a private insurer. Many include prescription drug (Part D) coverage and extras like dental, vision, hearing, and fitness benefits (e.g., SilverSneakers) without an extra premium.
We are always here for more details, please book your appointment and let's talk.
Is the Medicare Extra Help program expected to change in 2026?
Answer: It depend on the plan you have right now, or if you are looking for a specific benefit, we can always have a quick call and explain to you.