North Carolina Medicare Plans
North Carolina residents who are ready to enroll in Medicare have many options. The best options are often provided by private insurance companies. Other residents prefer to enroll in Supplements to help with the costs associated with healthcare. Regardless of your preferences, we can help you in finding the best coverage in your budget.
North Carolina Medicare plans open enrollment
Open enrollment begins at 65. The period lasts for 6 months beginning 3 months prior to your birthday and ending 3 months after your birthday. At this time it is best to enroll in a Supplement as you cannot be denied coverage based on your health conditions.
While you can enroll in a Supplement at any time throughout the year, you will have to respond to a health survey and can be denied coverage based on your pre-existing health conditions.
The Medicare plans in North Carolina are best when combined with a Supplement. Original Medicare leaves behind coinsurance and deductible costs. You may have additional costs as Original Medicare only covers about 80% of outpatient costs.
A Supplement can put a cap on out-of-pocket spending. Another benefit is you can see any doctor that accepts Medicare.
There are ten standardized plans lettered A-N. Similarly, lettered plans offer similar cover, the only difference being the cost. It is so important to compare and shop the best plan for your healthcare needs and your budget. We offer a service to assist you with this process that free!
If you were enrolled in Medigap plans C or F before 2019, you could remain enrolled in those plans; however, new beneficiaries cannot enroll in those two plans.
Medicare Advantage Plans
There are 29 Advantage plans in North Caroline based on which county you live in. These plans, also known as Part C plans, are private insurance plans that offer all the benefits of Original Medicare along with some additional benefits. These additional benefits include dental, vision and prescription drug coverage.
In North Carolina there is an open enrollment period for those already enrolled in an Advantage plan. At this time you may change to a different plan or you may switch to Original Medicare.
Medicare Part D
To limit costs at the pharmacy North Carolina beneficiaries may want to enroll in a Part D plan that limits those out-of-pocket costs on prescription drugs. There are 28 different plans in NC. If you know you’ll need to cover those prescription drugs, you may want to enroll in a Part D plan or an Advantage plan.
How we can help
Remember, all plans provide standardized coverage and the only difference is the cost. Our North Carolina licensed agents are ready to help you shop these plans to create the best combination of coverage for your needs and your budget. We offer this service at no cost to you. Reach out today and allow us to assist you through this enrollment process.