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Confused? Overwhelmed by the Medicare Maze?

Do You Know the Difference between Original Medicare, Medicare Advantage, Medicare Supplement and Prescription Drug Plans? 

Medicare beneficiaries in North Carolina receive a lot of information about Original Medicare, Medicare Advantage Plans, Medicare Supplement Plans and Prescription Drug Plans. To make good decisions, you need good information. When you are fully informed, you feel more confident about taking action. And taking the right action is the key to protecting the quality of your healthcare in the coming years.  

Medicare options can be difficult to understand, especially if you are turning 65 or enrolling in Medicare for the first time. Using an NCSCA Medicare Advisor can be extremely helpful and can turn a confusing situation into a rather easy process. We have been helping seniors in North Carolina for more than 40 years. Don't be misled. There is NO COST to you for our services. We can help you.

Don't Be Fooled by a Medicare Advantage Plan   

A Medicare Advantage Plan is COMPLETELY different from Original Medicare.  It is important to realize that once you enroll in a Medicare Advantage Plan, the coverage of services provided under Medicare Parts A and B are filed through the selected Medicare Advantage Plan instead of Original Medicare. If you enroll in a Medicare Advantage Plan instead of Original Medicare, you are still required to pay the Medicare Part B premium.

If you join a Medicare Advantage Plan instead of  Original Medicare, you will NOT be able to use your red, white and blue Medicare card when you go to the hospital, doctor, specialist or any healthcare provider, except in case of an emergency. This means you are no longer enrolled under Original Medicare and you must follow the rules of the Medicare Advantage Plan you have joined. If you join a Medicare Advantage Plan, you are required to use the Medicare Advantage Plan insurance card to visit the healthcare providers in the network and NOT your Medicare card. (North Carolina Department of Insurance

What is a Medicare Advantage Plan? 

With a Medicare Advantage Plan, your healthcare is managed through private insurance companies instead of Original Medicare. With a Medicare Advantage Plan, the insurance company has been given the ability to make their own claims decisions and some claims decisions have been made with profitability in mind. (See Video: Medicare Advantage Plan Denies Coverage). The premiums associated with Medicare Advantage Plans are generally lower than those for a Medicare Supplement; however, when you go see a doctor or specialist, or go to the hospital, you will have co-payments to pay. Medicare Advantage Plans claim they offer more benefits and services designed to help improve your overall wellness. However, you need to ask yourself this important question: "are the extra benefits offered by Medicare Advantage Plan worth more than the freedom to choose any healthcare provider in the USA that accepts Medicare patients? Remember, if you join a Medicare Advantage Plan, you will be able to switch back to Original Medicare, but you may NOT be able to switch to a Medicare Supplement. In most cases, you will have to go through medical underwriting to switch to a Medicare Supplement. If you wait until a later time, you risk potential health issues that could prevent you from switching to a Medicare Supplement in the future. With Original Medicare and a Medicare Supplement, you are protecting the quality of your healthcare now and in the future. 

What Is Original Medicare? 

When you enroll in Original Medicare, your healthcare is managed through the federal government and you have the right to go to any doctor or hospital or other healthcare provider anywhere in the United States that accepts Medicare patients. Understanding the difference between a Medicare Advantage Plan and Original Medicare is the first step in getting the coverage that is right for you. Most Medicare experts agree that Original Medicare is a better value. 

What Is a Medicare Supplement?

A Medicare Supplement covers the gaps in Original Medicare. A Medicare Supplement Plan provides you freedom and protection for the future.  By federal law, all Medicare Supplements Plans A-N are standardized and offer identical benefits from all companies. The ONLY difference is PRICE. Plan F and Plan G are the most popular Medicare Supplement Plans.  Plan F covers 100% of all Medicare-eligible charges. By federal law, Plan G offers the same benefits as Plan F, with the exception of covering the $183 Medicare Part B 2017 calendar-year deductible. That is the ONLY difference in benefits between Plan F and Plan G. The Medicare Part B deductible is only paid ONCE during a calendar year. However, Plan F will no longer be available to newly-eligible Medicare beneficiaries after January 1, 2020. Plan G is now the most popular plan.  However, the premium rates vary widely among the various insurers for Plan G. So compare rates and companies to get the best value.  

How Original Medicare Works With a Medicare Supplement 

 With Original Medicare and Plan F or Plan G, you have the FREEDOM you want:

With Original Medicare and Plan F or Plan G, 100% of all Medicare-eligible charges are covered.

Get the Best Medicare Supplement for Your Money 

Get the best value out of your Medicare Supplement policy. If you are shopping for a Medicare Supplement policy, the first thing you should do is compare the premium rates. In addition, you should make sure the insurance company has been offering Medicare Supplements in North Carolina for at least 5 years and has at least 5,000 policyholders. There are so many new companies coming into the market recently that have not yet established a track record. You should also compare the increase in premiums over the last 3 years. So not only compare premium rates, but also compare the number of policyholders and recent rate premium increases. We can help you compare all the companies in North Carolina.

One Medicare Supplement company has been offering Medicare Supplement policies for more than 50 years, and their premium rates are among the lowest in North Carolina.  The company also offers a 12% household premium discount for North Carolina senior citizens. This company has more than 350,000 policyholders and the premium rate has increased ONLY an average of 5.6% per year over the last 3 years. 

How Do You Qualify for a 12% Household Discount? 

It is easy to qualify for the 12% discount. If you are a North Carolina senior citizen, you are eligible for a special 12% household discount if you either (1) reside with a spouse or domestic partner OR (2)  have resided with an adult age 60 years of age or older for at least one year. Your spouse, domestic partner or the other adult does NOT have to be a policyholder in order for you to qualify for this new 12% discount.The reasoning behind this liberal 12% household discount is that individuals who live with another adult exhibit a healthier lifestyle.

When Can You enroll in a Medicare Supplement Plan? 

North Carolina senior citizens may enroll six months before or six months after their 65th birthday, without answering any health questions. If you wait until after this deadline to enroll, you may be required to answer health questions to qualify. This is too important to put off. The clock is ticking. Get a quote and see how much you can save! 

Plan F No Longer Available 

Medicare Supplement Plan F will NO longer be available to newly-eligible Medicare beneficiaries after January 1, 2020. What does this mean to you? If you already have Plan F, most experts recommend you switch to Plan G, which has lower premium rates than Plan F and is NOT impacted by the new federal law,  and which also provides the same exact coverage as Plan F, except for the $183 Medicare Part B deductible.

Do You Want to Switch Plans? You can apply to switch your current Medicare Supplement policy anytime during the year to lower your premium rate.  You do not have to wait to apply during the Medicare Advantage and Prescription Drug open enrollment period that takes place every year between October 15 and December 7. The annual Medicare open enrollment period DOES NOT apply to Medicare Supplement policies. Medicare Supplement policies are automatically guaranteed renewable each time you pay your premium. You never need to reapply, even during this Medicare open enrollment.

If you are over the age of 65 and healthy for your age, it is important that you act now while you are still healthy, since you will have to go through medical underwriting. Not everyone that applies for this policy will qualify. If you answer YES to any of the health questions in the Medicare Supplement application, you may NOT be eligible for coverage at this time. If you have health issues that could prevent you from changing your current Medicare Supplement plan at this time, we recommend you keep your current policy and apply at a later date. Your current policy will NOT be cancelled and will remain in full force as long as you pay the premium. If you have any questions or concerns about your eligibility, please contact us.   

Safe and Secure 

We have one of the most secure and unique Medicare Supplement quoting systems. You can get a free quote online, apply online, submit an e-app online, apply by phone, apply by mail, or make an appointment online. We have been helping Medicare beneficiaries in North Carolina for more than 40 years. The North Carolina Senior Citizens Association (NCSCA) is a nonprofit organization chartered by the state of North Carolina in 1977. NCSCA has been helping Medicare beneficiaries understand Original Medicare, Medicare Supplements, Medicare Advantage Plans and Prescription Drug Plans since 1977. There is NO COST to for our services!

So Lets's Get Started! 

We have knowledgeable and experienced Medicare Consultants that are licensed insurance agents and authorized by the North Carolina Senior Citizens Association to help you. However, NO AGENT WILL CONTACT YOU UNLESS REQUESTED.  This is too important to put off. The clock is ticking. Click one of the icons and get started today. There is absolutely NO COST or OBLIGATION to you for our services.

 
MEDICARE SUPPLEMENT INSURANCE HELPLINE: 800-290-7535