Don't let all of the Medicare health insurance options in Mecklenburg County scare you. Click one of the plan types below to compare just the Medicare coverage you need. If you're not ready to make a decision click here to discover your options.
To speak with a Medicare adviser, call us toll-free at 877-549-1452 (TTY 411). Our telephone hours are 6AM to 5PM PST, Monday through Friday.
Mecklenburg County Medicare Insurance Options
Medicare Part A (inpatient) and Medicare Part B (outpatient), commonly called Original Medicare, is the same for everyone with Medicare benefits, including Mecklenburg County. This is not true of the other parts of Medicare, which are highly dependent on where you live.
Also, although there are nearly 200,000 primary care doctors (physicians) in America that are authorized to bill Medicare for services provided to their patients, every doctor accepts Medicare payments in a different way. As a result, the combination of health insurance options and doctors who accept them is seemingly endless.
The purpose of the MedicareWire.com website is to help guide you through the process of choosing your health insurance. It's all about providing you with the information you need so you can get on the phone with a licensed adviser and finalize your Medicare elections for the year.
Medicare Advantage Insurance in Mecklenburg County
If the risk of high out-of-pocket costs with Original Medicare has you worried, then a Mecklenburg County Medicare Advantage plan is one alternative you need to consider. Medicare Advantage offers all of the same basic benefits as Original Medicare, and plans have the option to add additional benefits, including prescription drug coverage.
Monthly premiums in Mecklenburg County start at $0.00 and go as high as $81.00. Generally, the higher the premium the more benefits and coverage a plan has, but not always. The most common additional benefit is prescription drugs. You have 4 Medicare Advantage plans offering prescription drug coverage. There are 1 plans that do not include prescription coverage. That's a total of 5 options!
Several different kinds of plans are available, but insurers generally offer just the most competitive plans for the area. Most commonly you will find HMO and PPO style managed care plans, but some areas have Private Fee-for-Service (PFFS) plans that work a lot like Original Medicare. A smaller number of areas have Medical Savings Account (MSA) style HMO plans.
If you're on a fixed budget and have good health, look for a plan with a $0 monthly premium. What this means to you is that all of the extra benefits have no additional monthly cost to you. What you pay is your monthly Medicare Part B premium and the co-payments outlined by the plan. Just realize these plans are, most often, the most basic available.
The most important benefit offered by Medicare Advantage insurance is the annual cap on your out-of-pocket expenses. The limit, called your Maximum Out-of-Pocket (MOOP) expense, is set each year by the Centers for Medicare and Medicaid Services (CMS). However, CMS allows plans to offer a lower alternative MOOP, so look for it. It's the MOOP that will help you sleep better at night knowing that a trip to the emergency room won't clean out your savings.
To better understand why more and more seniors make the switch to Medicare Advantage each year, have a read through our Medicare Advantage Frequently Asked Questions and Medicare Advantage Coverage pages. There you will find everything you need to know to decide if it the right move for you.
Medicare Supplement Insurance in Mecklenburg County
The only relief North Carolina seniors have from the high cost of medical bills is additional insurance. That's because Original Medicare does not set limits on your annual out-of-pocket expenses. It's a serious risk that you need to consider. If you plan to keep your Original Medicare, the solution is Medicare Supplement insurance (Medigap).
Medicare Supplements protect you by paying all or part of the uncovered portions of your Medicare bill (up to the limits of the plan you choose). Each of the ten lettered plans have different coverage levels, but they are all standardized by the North Carolina state board of insurance. You simply choose the level of coverage you want and shop for the best premium.
Medicare Supplement insurance is not like Medicare Advantage; by law it is not allowed to offer additional benefits, including prescription drug coverage. Each Medigap plan pays specific portions of the coverage gaps in Original Medicare. So, if it's not covered by Medicare Part A or Part be, Medigap insurance can't cover it either.
Medicare Prescription Drug Plans in Mecklenburg County
Most North Carolina seniors will eventually need help paying for their prescription medications. Unfortunately, this is not a benefit provided by Original Medicare, you have to buy it. You can get prescription drug coverage assistance by enrolling in a Medicare Part D plan (PDP) or a Medicare Advantage plan that includes a PDP.
There are a total of 6 PDPs available to North Carolina seniors. Premiums range from $28.00 to $105.50 per month. Also, be aware that some plans have an annual deductible that you must pay at the pharmacy before assistance begins. Some plans have a $0 deductible, but premiums are generally higher.
Prescription drug insurance is important, so be sure to learn as much as you can about Medicare Part D before enrolling. You'll find plenty of information on our Medicare Part D Frequently Asked Questions and Medicare Part D Coverage pages.
How-To Find a Medicare Doctor in Mecklenburg County, North Carolina
We've recently added all Mecklenburg County Medicare doctors (primary care physicians for now) to MedicareWire.com. Doctors who treat Medicare patients are listed by city or town. We have school information, years of experience, hospital affiliations and insurances for doctors in Charlotte, Cornelius, Davidson, Huntersville, Matthews, Pineville, and surrounding areas.
This page was last updated on: 11/12/2014.