Our Trusted North Carolina Medicare Supplement Carriers
I just finished up with a very helpful and friendly chat with Katie Brennen. She was able to answer all my questions with ease and gave me information to make a decision that was beneficial both financially and medically. I’m all signed up and ready for the big 65 in April. I’m sure that when my wife is ready next year, we will be using their services once again.
I am very pleased with the guidance, personal attention and follow through I received from Robin at Senior Healthcare Direct. She was able to “de- mystify” my concerns switching from an employer based group health plan to the Managed Medicare plan that is tailored to suit my needs.
Recenty, I contacted this company to see if they could help me find a plan to help me save some money, because I felt like I was paying too much for my supplemental plan. Turns out I was, and with this company’s help, I was able to save almost 100 dollars a month. If you think you are overpaying for your supplemental insurance, give them a call. It could save you some money. Their agents are very courteous and very knowledgeable. Wish I had known about them sooner.
Very knowledgeable-got the best coverage for lowest price. Thank you Nicole-You Rock!!!
Melissa was so awesome she had all the answers to my questions i felt like i was talking to a friend who was concerned about my well being thank you so much.
Bonnie Jean worked wonders for me in getting the best plan. This was my second time to use the services and I recommend them to anyone who is seeking help in getting through all the multiple choices available. Thanks Senior Healthcare Direct for placing such a friendly professional to guide me in this very important decision.
Medicare Bob ROCKS! He really knows his stuff and has the client’s best interest at heart. Second year to use his services – told him today I will still be talking to him in 20 years around renewal time! (He promised to forgive me if by then I have no clue what I’m talking about.) Good guy!
I have been dealing with them for years, I am very pleased with the service they provide. Every year I call them and they search for the best price for me for both my supplement and my plan D.Thank you Medicare Bob and staff, you are wonderful.
I felt like the person I talked to cared about me personally. I was at ease and pleased that he answered all my questions. Will keep his number and call anytime I have questions.
Very helpful. Will give you all of the options that meet your needs, for the best price.
I looked at a lot of plans until I found Senior Health Care Direct. Beau Ray, was very helpful, explained everything and best of all saved me a bunch of money when I applied for plan G. I highly recommend their service. Thanks
Thank you for your services, extremely helpful. Brad you have wonderful customer service skills with lots of patience and listening skills. Hopefully I can send more seniors your way. Again thank you looking forward to future communications.
I was contacted by Melissa Nagel and all my anxiety about Medicare and prescription plans went away. Easy and affordable. Thank you.
FREE North Carolina Medicare Supplement Quotes
As you can see by reviewing our sample North Carolina Medicare Supplement Rate sheet instead of calling each carrier one by one, with just one phone call we give you access to the most affordable Medicare plans in North Carolina from the nation’s top Medicare insurance carriers all in one place. Its 100% free and the is absolutely no obligation to sign up.
Senior Healthcare Direct, MedicareBob’s office simplifies this process for you, by filling out the form on the top of this page you will receive a rate comparison from the most affordable Medicare insurance carriers in North Carolina. Again, this is 100% free and there is no obligation to sign up.
NORTH CAROLINA MEDICARE SUPPLEMENT PLANS (MEDIGAP)
North Carolina Medicare Supplement plans provide Medicare A and B beneficiaries with additional coverage. Medicare Supplement insurance is also referred to as Medicare Plans. When enrolled, you will pay the insurance Carrier an additional monthly premium and in return, that Carrier will pay your Medicare deductible payments, co-payments and coinsurance.
NORTH CAROLINA MEDICARE SUPPLEMENT PLANS
There are up to ten different North Carolina Medicare Supplement plans available to North Carolina Medicare Part A and B beneficiaries qualify. With Medicare Supplement Insurance, it is important to understand that the letter of the Plan determines the coverage, not the insurance carrier. For example, a Medicare Supplement Plan G with Blue Cross Blue Shield provides the same exact benefits as a Medicare Supplement Plan G with United Healthcare / AARP. The only difference is what each carrier is charging for the Medicare Supplement Plan. In North Carolina, the best time to purchase NC Medicare Supplement insurance plans is the Open Enrollment Period.
This period starts 6 months before the enrollee is 65 & enrolled in Medicare Part B and lasts for 6 months after. You must first make sure you’re enrolled in Medicare, as you don’t qualify for the supplement until you’re enrolled in Original Medicare Parts A and B. The Open Enrollment Period is often referred to as the OEP. During this period, you are automatically approved. This means a carrier can’t deny you coverage due to a current or previous health condition. All your pre-existing health conditions are covered right away.
It is important to understand that you can shop your North Carolina Medicare Supplement Plan all year. Medicare’s Annual Election Period that runs from October 15th through December 7th does not apply to NC Medicare Supplement Plans.
NORTH CAROLINA Medicare Supplement Rates
Each North Carolina Medicare Supplement Plan is assigned a letter that determines the benefits. The letters are Medicare Supplement Plan A through Medicare Supplement Plan N and have tight regulations as to what benefits will and won’t be covered in each Plan. These benefits are regulated by the government, so regardless of the carrier you go with the benefits will remain the same.
As I mentioned above, the only difference between each carrier is the price each carrier is charging. Therefore, North Carolina Medicare Supplement rates will vary from carrier to carrier. When comparing plans, beneficiaries should first take time to familiarize themselves with the benefits included in each plan letter.
The three most comprehensive and popular NC Medicare Supplement Plans are Medicare Supplement Plan F (I call this “full coverage”), Medicare Supplement Plan G (I call this “greatest value”) and Medicare Supplement Plan N (I call this “not fixed”).
It is important to understand how each NC Medicare Supplement Plan works so that when you are comparing a plan with your individual medical needs, as well as considering family history and likely conditions to occur later, it will likely become clearer which plan will best work for the you. Combining this while keeping your budget in mind is a good way to make an educated choice on North Carolina Medicare Supplemental plans.
North Carolina Medicare State Facts
- As of January 2018, there are 1,897,235 Medicare beneficiaries living in North Carolina. 1,236,464 have Original Medicare and just over 660,771 have Medicare Advantage Plans.
- In North Carolina, you can purchase a Medicare Supplement Plan or a Medicare Advantage Plan before the age of 65 as long as you have been on Medicare with disability for at least two years.
Compare Medicare Supplement Plans in NORTH CAROLINA
Medicare secondary insurance can be confusing. However, the more you learn, the easier it will be. Once you have decided that NC Medicare Supplement insurance is the type of coverage you want, the next step is deciding which lettered NC Medicare Supplement you need. As you have seen through MedicareBob’s videos, NORTH CAROLINA Medicare Supplement Plan G is my, (Robert Bache “MedicareBob’s”), recommendation. You can learn more about all the different plan options on our website through my video blog.
I have been extremely successful assisting North Carolina Medicare beneficiaries using three core principles: Education, Options and Customer Service. My team of senior Medicare agents are happy to help. Call the number above and our agents will find the best plan with the most affordable carrier in your NORTH CAROLINA.
NORTH CAROLINA MEDICARE PART D PLANS
North Carolina Medicare Part D Plans are provided through private carriers and are Medicare’s prescription drug plan. Medicare Part D Plans are regulated by Medicare; however, each NC Medicare Part D Plan can have different benefits. The monthly premium, the formulary, prior authorizations, all may vary between each North Carolina Medicare Part D Plan. There are four levels in North Carolina Medicare Part D Plans: The Deductible stage, the Co-pay stage, the Coverage Gap stage and the Catastrophic stage.
CHOOSING NORTH CAROLINA MEDICARE PART D PLAN
In North Carolina, unless you are in your Initial Enrollment Period, or you qualify for a Special Election Period, you can only purchase a Medicare Part D Plan during Medicare’s Annual Election Period. This election period is every year between October 15th and December 7th.
When we assist Medicare Beneficiaries in North Carolina with their Medicare Part D Plans we focus on choosing the NC Medicare Part D that has the lowest estimated annual cost. We do this by gathering a list of the clients’ medications and searching through all of the NORTH CAROLINA Medicare Part D Plans to see which Plan will save the client the most amount of money through each Part D stage. \
NORTH CAROLINA MEDICARE ADVANTAGE PLANS
Medicare Advantage Plans in North Carolina are not Standardized. NC Medicare Advantage Plan benefits are based on the county in NORTH CAROLINA that you live in. With a North Carolina Medicare Advantage Plan, Medicare Parts A and B will not be your Primary insurance. Therefore, you will have a Provider Network, so you can only go to certain doctors and hospitals. In North Carolina, Medicare Advantage Plans have three types of Provider Networks: An HMO, PPO and a PFFS.
Choosing NORTH CAROLINA Medicare Advantage PlanIn North Carolina, unless you are in your Initial Enrollment Period, or you qualify for a Special Election Period, you can only purchase a Medicare Advantage Plan during Medicare’s Annual Election Period which is every year between October 15th and December 7th.
Our office is appointed, certified and approved to assist you with choosing a North Carolina Medicare Advantage Plan. The first step is deciding if you want a “Network Focused” or a “Benefit Focused” Plan. A “Network Focused” Plan is an option for a Medicare Beneficiary that insists on keeping certain doctors and/or hospitals. A “Benefit Focused” Plan is for a Medicare Beneficiary that is wanting the NC Medicare Advantage Plan that provides the lowest out of pocket costs, has the lowest monthly premium, and may even have some extra benefits such as gym membership, dental coverage and more. Our office can assist you with choosing the right North Carolina Medicare Advantage Plan.
It is important to understand that if you choose a Medicare Advantage Plan and later you would like to enroll into a Medicare Supplement Plan (Medigap), you will be required to medically qualify.