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Confused? Overwhelmed By Medicare?

Do You Know the Differences in Original Medicare, Medicare Advantage, Medicare Supplement and a Prescription Drug Plan? 

If you feel like you are spinning your wheels, wondering how to make the best Medicare decision, you are in the right place. The good news is, you don’t have to do this alone.

Medicare beneficiaries in North Carolina receive a lot of calls from telemarketers from all over the country and a lot of Medicare information in the mail. Medicare options can be difficult to understand, especially if you are turning 65 or enrolling in Medicare for the first time.

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.

Our Medicare Specialists can be extremely helpful and can turn a confusing situation into a rather easy process. There are lots of insurance agents from all over the country who can sell you a policy. But there are almost none offering the extensive back-end support and value-added benefits that you will find at the North Carolina Senior Citizens Association. We have been helping seniors in North Carolina for more than 40 years.

Let us help you learn the major pitfalls to avoid. Plus, when you enroll with our Medicare Specialists, you get value-added benefits such as help with your Medicare Prescription Drug Plan; dental and vision protection; free consultation with an elder law attorney, senior financial specialist or long-term care specialist; and access to nursing home and home healthcare referral service; plus, we provide you expert help at claim time – when it really counts. We are here to help you build a better quality of life.

We consistently hear from our senior friends that our Medicare Specialists are the first people they have spoken with that have finally helped them make some sense out of Medicare.

At the North Carolina Senior Citizens Association (NCSCA), we offer you the security of discussing your needs with one of our Medicare Specialists, whose name you will know and who has been approved and authorized by the North Carolina Senior Citizens Association. Give us a try – we provide exceptional, straightforward no-hassle service. There is NO COST to you for our services. So let's get started.

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. Understanding this difference between a Medicare Advantage Plan and Original Medicare is the first step in getting the coverage that is right for you. With Original Medicare and a Medicare Supplement, you are protecting the quality of your healthcare now and in the future. Most Medicare experts agree that Original Medicare and a Medicare Supplement is the best value.

What is a Medicare Advantage Plan?

With a Medicare Advantage Plan, your healthcare is managed through private insurance companies instead of the federal government. With a Medicare Advantage Plan, the private insurance company has been given the ability to make its own claims decisions, and some claims decisions have been made with profitability in mind. 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. 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 benefits such as eye and hearing examinations offered by a Medicare Advantage Plan worth more than the freedom with Original Medicare to choose any healthcare provider in the USA that accepts Medicare patients – with no networks to worry about, no doctor referral needed and no prior approval required?" (See Good Morning America's video: Medicare Advantage Plan Denies Coverage).

Can I use my Medicare card with my Medicare Advantage Plan?

NO. 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. This means you are no longer enrolled in the federal government-run health program. This also means you must follow the rules of the Medicare Advantage Plan you have joined. When you join a Medicare Advantage Plan, you are required to use the Medicare Advantage Plan insurance card when you visit the healthcare providers in their network and NOT your Medicare card.

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 instead of Original Medicare, you are still required to pay the Medicare Part B premium.

Can I switch back to Original Medicare from a Medicare Advantage Plan?

Yes. You can switch back to Original Medicare during the annual election period from October 15 through December 7; however, you may NOT be eligible to switch to a Medicare Supplement Plan. In most cases, you will have to go through medical underwriting to qualify for a Medicare Supplement if you do not enroll during your open enrollment or guaranteed issue period. If you wait until a later time to enroll in a Medicare Supplement, you risk potential health issues that could prevent you from getting a Medicare Supplement in the future.

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 Supplement Plans A-N are standardized and offer identical benefits from all companies. The ONLY difference is PRICE. Plan G is the most popular Medicare Supplement Plan today. Plan G covers 100% of all Medicare-eligible charges, with the exception of covering the $183 Medicare Part B 2017 calendar-year deductible. The Medicare Part B deductible is only paid ONCE during a calendar year. So the best time to buy a Medicare Supplement is six months before your 65th birthday to six months after your birthday, or when you enroll in Medicare Part B.

Plan G is the most comprehensive and most popular plan today. Plan G premium rates vary widely among the various insurers even though the benefits are the same for each company. So compare premium rates, financial ratings, the company's reputation and the number of years the company has been marketing Medicare Supplements and get the best value. Our NCSCA Medicare Specialists can help you avoid the pitfalls. We can help you compare and enroll in the plan of your choice.

How Original Medicare works with Medicare Supplement Plan G

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

Get the best Medicare Supplement for your money

Shopping for a Medicare Supplement policy? If you are shopping for a Medicare Supplement policy, the first thing you should do is compare premium rates and financial ratings. Plan G is the most popular plan today. Plan G premium rates vary widely among the various insurers even though the benefits are the same for each company. So compare premium rates, financial ratings, the company's reputation and the number of years the company has been marketing Medicare Supplements and get the best value. Our NCSCA Medicare Specialists can help you avoid the pitfalls. We can help you compare all the companies in North Carolina.

Can I qualify for a 12% household discount?

Yes. It is easy to qualify for up to 12% premium discount. With some companies you are automatically eligible for the special 12% premium discount if you are a North Carolina senior citizen and married. With other companies, your spouse must be a policyholder with the company to qualify for the household premium discount.

When can I enroll in a Medicare Supplement Plan?

You can enroll six months before your 65th birthday to six months after, 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 covering the $183 Medicare Part B deductible.

Can I switch my current Medicare Supplement Plan to lower my premium rates?

YES. You can apply to switch your current Medicare Supplement policy any time 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 from October 15 to December 7. This 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. However, in most cases, you will have to go through medical underwriting to qualify for a Medicare Supplement.

Safe and secure Medicare Supplement enrollment process

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. Our Medicare Specialists have been helping Medicare beneficiaries understand Original Medicare, Medicare Supplements, Medicare Advantage Plans and Prescription Drug Plans since 1977.

So let's get started!

Our NCSCA Medicare Specialists have the knowledge and experience to help you make the best Medicare decision. They have been approved and authorized by the North Carolina Senior Citizens Association to help you. Let us help you gain the knowledge you need to enroll in the plan of your choice. NO NCSCA MEDICARE SPECIALIST WILL CALL YOU UNLESS REQUESTED. However, this is too important to put off. The clock is ticking. Click on the FREE QUOTE or CALL US TODAY. There is absolutely NO COST or OBLIGATION to you for our services.

 

 
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