Seniors from North Carolina who choose to enroll in a Medicare Advantage Plan have good options. When you enroll in Medicare Advantage you are trading your Original Medicare benefits for private health insurance available in North Carolina.
Some rural areas don’t offer plans, while others offer only a few. It all comes down to the availability HMO and/or PPO healthcare provider networks available in the area.
Getting Enrolled in a North Carolina Medicare Advantage Plan
If you are age 65 or older, you most likely qualify to enroll the North Carolina Medicare Advantage plan of your choice. Certain diseases, most notably End-Stage Renal Disease (ESRD), may disqualify you from enrollment.
You are only allowed to join, drop or change plans during a Medicare Election Period. Most people wait until 15 October to 7 December to make enrollment changes. This is the Annual Election Period (AEP).
Most of us also get an Individual Election Period (IEP), but it only comes around once. You IEP is a 90 day period around your 65th birthday. It starts the month before you turn 65 and ends the month after.
Enrollment couldn’t be easier. There are three ways. The first way is to call a plan directly. If you know the plan you want, this way is quick and easy.
The second way is to go to www.Medicare.gov and enroll through the government website. It’s an easy way to start your application on-line, compare plans, verify that your medications are covered and see which doctors take the plan you want.
The third way is to use an independent insurance agent. This is the best way to go if you need someone to help advise you. Find an agent who represents several insurance companies. This way you’ll have a range of good options.
North Carolina Medicare Advantage vs. Original Medicare, Medigap and Part D
If you are worried that an HMO or PPO plan will try to limit your care, Medicare Advantage is not the only way to get full coverage. You also have the option to hold on to your Original Medicare PFFS benefits and upgrade your coverage with North Carolina Medicare Supplement Insurance and a North Carolina Medicare Part D Plan (for help with your prescription drugs).
If you’re not familiar with Medigap policies, and how they protect you from medical care liability, please review our North Carolina Medigap Plans page. All Medigap plans are standardized. That means you can chose the plan you need based on best price without worrying about the benefits.
About Our 2015 Medicare Advantage Health Insurance Data for North Carolina
MedicareWire.com collects Medicare health insurance information from public files on the U.S. Centers for Medicare and Medicaid Services (CMS) website. MedicareWire.com updates its databases quarterly. However, we are unable to verify the correctness of the data received. Only a licensed health insurance agent can give you a binding quote.For more information about the Medicare program, visit http://cms.gov. This page was last updated on 9/13/2015.