Medicare Advantage Plans by North Carolina County
Hello North Carolina seniors! On this page you will find a complete list of Medicare Advantage Plans for North Carolina beneficiaries, organized by county. Not familiar with Medicare Advantage? No problem, it’s easy. An Advantage Plan replaces your Original Medicare with a traditional HMO or PPO health plan that offers you more coverage.
Locate and click on your North Carolina county to compare plans. Not all counties have the same plans available, and some rural counties may not offer Medicare Advantage. It’s all based on the adequate availability of healthcare provider networks.
Find a North Carolina Medicare Insurance Agent!
We maintain an exclusive list of Medicare insurance agents and agencies licensed to sell Medicare Advantage plans in North Carolina. Click Here to see your agents. You can request confidential quotes online to compare rates.
Supplement Plans vs. Advantage HMO or PPO: Full Coverage Health Plan Options in North Carolina
If you’re concerned that an HMO or PPO health plan will overly limit your care, a Medicare Advantage Plan is not your only option. For a small amount more in your monthly premium you can have the best senior healthcare available. When you keep your Original Medicare and supplement it with Medicare Part D and supplemental Medicare insurance, you have full coverage with very few restrictions. Medicare supplement insurance (Medigap) in North Carolina protects you from the risk of big hospital and doctor bills. See our Medicare Supplemental Insurance page for more information. You will be relieved to know that all supplement plan available in North Carolina are are standard. That means you have the benefit of shopping by best price.
When and How to Enroll in a North Carolina Medicare Advantage Plan
In general, there are two times that you can enroll in a North Carolina Medicare Advantage plan that’s available in your county. The first time you can enroll is during your Initial Enrollment Period (IEP). For most people, your IEP happens when you turn 65. After that, you enroll in an MA plan during open enrollment, called the Annual Election Period (AEP). During AEP, which starts every year on October 1st and ends on December 7th, you can enroll, dis-enroll or change plans.
Enrollment itself is quite easy. Most people in North Carolina use an independent Medicare insurance agent. Your agent is a licensed expert who knows the details of all of the plans available in your area. They get paid to find the best plan for you, and they are restricted by law from using selling and marketing tactics deems unethical by CMS. The second way to sign up is to go directly to the Medicare.gov website or call the Medicare.gov hotline. Click here to get started.
Medicare Advantage Plan in North Carolina vs. Obamacare
Like a lot of North Carolina seniors, you might be wondering how the new Obamacare law and the North Carolina State Health Insurance Exchange affect Medicare Advantage Plans. In general, the new healthcare law leaves MA plans virtually unchanged. There are new rules specifying a medical loss ratio for the carriers, but that’s about it.
Here are some additional facts about your North Carolina State Health Insurance Exchange. First, it’s not for North Carolina seniors with Medicare or those with Medicare Disability, and you can’t trade your Medicare benefits for a plan on your state exchange. Second, your state’s health exchange won’t help you with additional benefits, regardless of your income level. If you need Extra Help, visit your local Social Security Administration office. Learn more about Obamacare at www.HealthCare.gov.
Medicare Advantage Health Insurance in North Carolina
The Medicare insurance data published by MedicareWire.com is received from public data files provided by the U.S. federal government. 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.