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Confused? Overwhelmed By The Medicare Maze?

Medicare beneficiaries in North Carolina receive a lot of information about Medicare, Medicare Advantage Plans and Medicare Supplement 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 saving money on your healthcare costs.  

Don't be fooled by a Medicare Advantage Plan. A Medicare Advantage Plan is COMPLETELY different from Original Medicare.  If you enroll in a Medicare Advantage Plan, YOU WILL NOT BE ENROLLED IN ORIGINAL MEDICARE!! With a Medicare Advantage Plan, you healthcare is managed through insurance companies instead of Original Medicare. These insurance companies have been given the ability to make their own claims decisions and some claims decisions have been know to be made with profitability in mind. The premiums associated with Advantage Plans are generally lower than those of a Supplement; however, when you go see a doctor or go to the hospital, you will have co-payments. 

Again, this means if you enroll in a Medicare Advantage Plan, you will NOT be enrolled in Original Medicare and 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. 

When you enroll in Original Medicare, you healthcare is managed through the federal government and you have the right to go to any doctor or hospital 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 and doctors agree that ORIGINAL Medicare is a better value. 

Covering the gaps in Original Medicare.  If you are shopping for a Medicare Supplement policy, you should compare premium rates to get the best value.  Plan F and Plan G are the most popular Medicare Supplement Plans. By federal law, Plan G offers identical benefits to Plan F, with the exception of covering the $166 Medicare Part B calendar-year deductible in 2016. The $166 Medicare Part B deductible is only required to be paid ONCE during a calendar year. That is the ONLY difference in benefits between Plan F and Plan G. However, the premium rates vary widely among the various insurances for Plan F and Plan G. So, compare rates to get the best value. Many experts agree that Plan G is a better value.

With Original Medicare and Plan F or Plan G, you have: 
The right to choose any hospital, doctor or specialist that accepts Medicare patients 
• No networks to worry about 
• No doctor referral needed to see a specialist 
• No prior approval required. 

With Original Medicare and Plan F or Plan G, 100% of all Medicare-eligible charges are covered.
• You pay $0 for Medicare Part A deductible and co-payments 
 You pay $0 for all Medicare-eligible hospital inpatient and outpatient services
• You pay $0 for preventive care services

• You pay $0 when you go to an approved skilled nursing facility
• You pay $0 for any Medicare-eligible excess charges 

 You pay $0 for any additional Medicare-eligible medical services.

Have you received a letter from your insurance company about your Medicare Supplement premium rate is going up?  If you have a Medicare supplement policy and wondering if you can save on your current premiums, you should compare premium rates. Premium rates vary widely among the various insurance companies for Plan F and Plan G for the same identical coverage.  Mutual of Omaha has a policy with a 12% household premium discount for North Carolina senior citizens. Mutual of Omaha is the only insurance company in North Carolina that has this unique 12% household premium discount. And, the premium rates are among the lowest in North Carolina. 

It is easy to qualify for the 12% discount. North Carolina senior citizens are eligible for a special 12% household discount if they either (1) reside with their spouse or domestic partner OR (2) reside with an adult age 60 years of age or older for at least one year. Your spouse, domestic partner or other the adult does NOT have to be a Mutual of Omaha 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. North Carolina senior citizens turning 65 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! 

Important: Plan F will NO longer be  available to newly Medicare beneficiaries after January 1, 2020What does this mean to you? If you already have Plan F, most experts recommend you switch to Plan G which has (1) lower premium rates than Plan F and NOT impacted by the new federal law and; Provides the same exact coverage as Plan F, except for the $166 Medicare part B deductible.

If you are over the age of 65, it is important that you act now, while you are healthy, since you will have to go through medical underwriting to switch your current Medicare Supplement plan. 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 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.   

Do You already have a Policy? Do You Want To Save Money? If you already have a Medicare supplement policy , you should COMPARE RATES to see how much you can save! 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 Medicare 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 Medicare open enrollment. 

We have one of the most secure and unique Medicare Supplement quoting systems. You can get a direct quote online, apply online, submit an e-app online, apply by phone, apply by mail, and make an appointment online with a knowledgeable, experienced and licensed agent authorized by the North Carolina Senior Citizens Association.  

We have been helping  Medicare beneficiaries in North Carolina for more than 35 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 our services!

So, let's get started!  This is too important to put off. The clock is ticking. Compare rates and see how much you can save. Remember, our unique online system is secure and easy to use. Click one of the icons today to get a quote and apply for Plan F or Plan G. There is absolutely NO COST or OBLIGATION to you for our services.

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Medicare Supplement Insurance Helpline: 1-800-290-7535