If you are on Medicare, there are a few things you should know about your options. First of all, you have the option of choosing a Medicare Supplement plan, also known as Medigap. Secondly, you can choose between original Medicare or a Medicare Advantage plan. Finally, the best Medicare supplement plan in North Carolina may vary depending on where you live. In this blog post, we will discuss these topics in more detail and help you decide which option is best for you!
What is Medicare?
Medicare is health insurance for senior citizens over the age of 65, or in some cases for people who are disabled, or who have ESRD (kidney failure). Medicare is the primary health insurance for people who are on it, although Medicare does NOT provide full coverage. There are many gaps in coverage left by Medicare, and that is why people purchase NC Medigap Insurance.
North Carolina Medicare — Learning about North Carolina Medicare Supplement Plans is a great way to ensure you are getting the best value for your money when purchasing Medicare Supplemental Insurance. There are many things that you should be aware of when starting to do your research, and the first should be understanding what a North Carolina Medicare Supplement Insurance plan is in the first place. “North Carolina Medicare Supplement Insurance” is also called “North Carolina Medigap Insurance” to alleviate any confusion.
How Are You Covered By Medicare?
There are four main parts to the Medicare system:
- Part A (Hospital Coverage)
- Part B (Medical Coverage)
- Part C (Medicare Advantage)
- Part D (Prescription Drug Coverage)
Medicare Part A provides coverage for inpatient hospital care, skilled nursing facility (SNF), blood services, and hospice care. Part B provides coverage for medical services, including medical expenses either in or out of the hospital. Also, outpatient hospital treatment, blood services, clinical laboratory services (diagnostic tests). As well as, home health care (approved medically necessary skilled care services and supplies), and durable medical equipment like wheelchairs, walkers, etc. Part B also covers some preventive care services. Medicare Part C is a replacement for Medicare and is known as the “Medicare Advantage” plan. Part D is coverage for prescription Medications.
Although Medicare pays a large portion for healthcare expenses, it by far does NOT provide full coverage. For example, Medicare only pays 80% for most medical expenses. Medicare also requires beneficiaries to pay large co-pays, co-insurance, and deductibles for hospitalizations, etc.
Which Plan is Best For Me?
North Carolina Medicare Supplemental Insurance can cover all the gaps in coverage left by Medicare so you are not left paying the deductibles and other out-of-pocket expenses yourself. All Medicare Supplements are designed by Medicare. Benefits of these policies are the same across companies, the only difference is the price they charge.
When comparing North Carolina Medicare Supplement Companies, it is important to understand that there is no reason to pay more money for a certain company over another, because they all provide the same coverage. It is very important that you shop around and obtain multiple North Carolina Medicare Supplement Quotes to ensure that you are receiving the very best price that is available to you.
Instead of going through the hassle of calling multiple North Carolina insurance companies, speaking to multiple (and maybe even pushy) insurance agents, and possibly getting inaccurate or outdated information, you can compare multiple North Carolina Medicare Supplement insurance quotes directly on our website. Or, if you prefer to speak with someone over the phone, you can call one of our North Carolina Expert Medicare Specialists. They are standing by to walk you through the Medicare maze every step of the way. They can help guide you on your best options are. You can call our toll-free number now at (800) 339-4112.
What Are My Other Options?
In addition to North Carolina Medicare Supplement plans, there are also other options for you to consider. These include:
-North Carolina Medicare Advantage plans
-North Carolina Part D prescription drug coverage
Each of these options has its own set of pros and cons. These you will need to evaluate to decide if it is the right coverage for you.
To learn more about each of these options and which one might be best for you, please read our other blog posts on the subject, or give us a call at (800) 339-4112 and we would be happy to discuss your situation with you. Also, find us at www.myunitedinsurance.com.