Frequently Asked Questions

No, is not free. It’s a law that requires mandatory insurance.

With Obamacare more people have health insurance. Also people with preexisting health conditions are no longer uncovered another benefit is prescription drugs cost less.

Since ACA or Obamacare is related to income. It’s not available to everyone.

The average monthly premium for 2018 benchmark Obamacare plans is $411 before subsidies, according to the U.S. Department of Health and Human Services.

Most people don’t pay the Part A premium because they paid Medicare taxes while working. However, most people pay the standard Part B premium amount (approximately $148.50 in 2021).

There are certain times of the year when you can sign up or change how you get your coverage. Every year you can check and make a change to your Medicare plan from October 15 to December 7 called the “Annual Election Period” annual enrollment period.

If you’re still working at 65, and you have coverage under a group health plan through an employer, then you don’t have to enroll in Medicare right now. But if your employer has less than 20 employees, you need to take Medicare Parts A and B, because that will be your primary insurance.

The Original Medicare doesn’t have provider networks; and you can use most of the hospitals or doctors throughout the country that takes Medicare.

For Medicare Part A, hospital insurance is premium-free and once you have it, you don’t have to do anything to keep it.

If you don’t have dental coverage through your employer, you can buy a dental plan on your own also through a private insurance or the ACA/Obamacare.