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Medicare Plans
NC Senior Solutions partners with multiple insurance carriers offering Medicare plans in North Carolina. We help you understand and compare your Medicare coverage options so you can make an informed decision based on your individual needs.
MEDICARE SUPPLEMENT (MEDIGAP)
Medicare Supplement Insurance, also known as Medigap, is offered by private insurance companies and works alongside Original Medicare. These plans can help pay certain out-of-pocket costs that Original Medicare doesn't cover, such as deductibles, copayments, and coinsurance.
Medicare Supplement plans are standardized, which means the benefits of a particular lettered plan are generally the same regardless of which insurance company offers it. Premiums, however, can vary by company.
With most Medicare Supplement plans, you can see any doctor or healthcare provider nationwide who accepts Medicare. Medicare pays its share of Medicare-approved covered services first, and your Medicare Supplement policy then pays according to the benefits of your plan.
The best time to purchase a Medicare Supplement policy is generally during your six-month Medigap Open Enrollment Period. This one-time period begins the first month you are age 65 or older and enrolled in Medicare Part B. During this period, an insurance company cannot deny you a Medigap policy or charge you more because of your health history. Outside of this period, medical underwriting may apply unless you qualify for a guaranteed issue right or another protection available under federal or state law.
Begin Your Free Medicare Supplement Quote Below!
MEDICARE ADVANTAGE
Medicare Advantage (Part C) is another way to receive your Medicare Part A and Part B benefits. These plans are offered by Medicare-approved private insurance companies and must cover the medically necessary services that Original Medicare covers.
Most Medicare Advantage plans include prescription drug coverage (Part D), and many offer additional benefits that Original Medicare does not cover, such as dental, vision, hearing, fitness, and other services. Benefits, premiums, copayments, provider networks, and other out-of-pocket costs vary by plan and service area.
Medicare Advantage plans may use provider networks, such as HMOs or PPOs, and some services may require prior authorization. Because plans can differ significantly, it's important to consider your doctors, hospitals, prescription medications, preferred pharmacies, expected healthcare needs, and plan costs when comparing your options.
NC Senior Solutions represents multiple Medicare Advantage organizations offering plans in North Carolina. We can help you compare the plans we represent and understand how their benefits, costs, provider networks, and prescription drug coverage may fit your individual needs.
PRESCRIPTION PLANS (Part D)
Medicare Part D provides prescription drug coverage and is offered through private insurance companies approved by Medicare. You can receive Part D coverage through a stand-alone Medicare Prescription Drug Plan or, in many cases, through a Medicare Advantage plan that includes prescription drug coverage.
Each Part D plan has its own list of covered medications, called a formulary. Premiums, deductibles, copayments, coinsurance, covered medications, pharmacy networks, and drug tiers can vary by plan. Because of these differences, it's important to compare plans based on the specific prescriptions you take and the pharmacies you prefer to use.
If you don't enroll in Medicare drug coverage when you're first eligible, you may have to pay a Part D late enrollment penalty if you later enroll after going 63 consecutive days or more without Medicare drug coverage or other creditable prescription drug coverage. Creditable coverage generally means prescription drug coverage that's expected to pay, on average, at least as much as Medicare's standard drug coverage.
NC Senior Solutions can help you compare the Medicare prescription drug plans we represent based on your medications, preferred pharmacies, plan costs, and coverage.
VISION AND DENTAL
Original Medicare generally does not cover routine dental care, routine eye exams for glasses or contact lenses, or most routine vision services. Some Medicare Advantage plans may include additional dental and vision benefits, but the coverage and out-of-pocket costs can vary by plan.
For those who need additional coverage, stand-alone dental and vision insurance may also be available. These plans can provide another option for helping with the cost of routine dental care, eye exams, glasses, and other covered services.
NC Senior Solutions can help you review your dental and vision coverage options and determine what may best fit your individual needs and budget.