Medicare Insurance Plans State of North Carolina

2014 Medicare health insurance for North Carolina seniors

People with Medicare benefits in North Carolina have a full range of health insurance options. You can stay on Original Medicare and supplement with a Medigap and Medicare Part D prescription drug plan, or you can enroll in a private heath insurance plan through Medicare Advantage. What you elect is up to you. However, options vary state-to-state and county-by-county. This website will show you all of your options in North Carolina. Click on your county below to proceed.

Financial Risks with Original Medicare in North Carolina

You have probably heard that Original Medicare coverage is not A to Z health insurance. While it pays for about eighty percent of what it does cover, it does not pay for many common healthcare services that most seniors want and need.

It is shocking to most North Carolina seniors how little Original Medicare covers in the scope of total health care. For most seniors on Medicare the real figure is about fifty percent. That is correct, about half. Due to the high cost of medical care, North Carolina seniors risk massive healthcare debt on everything from accidents, a serious illness, and the out-of-pocket costs for doctor visits to manage chronic health conditions.

A few of the critical services Original Medicare does not cover include prescription medications, vision, hearing, long-term care and routine foot care. You're on your own to pay for these services, on top of twenty percent of your major medical. The good news is that you can supplement your Medicare coverage with additional health insurance or replace it all together.

To further educate yourself on the dangers of Original Medicare, and what you can do about it, read our Original Medicare page.