Medicare vs. Medicare Advantage
Original Medicare: Allows you to see any doctor or facility that accepts Medicare, providing flexibility in choosing healthcare providers.
Medicare Advantage (Part C): These bundled plans include Medicare Part A (hospital insurance) and Part B (medical insurance), often with Part D (prescription drug coverage). They have fixed networks of doctors and hospitals and must follow Medicare rules.
Additional Benefits of Medicare Advantage
- Copayments for doctor visits - Vision and dental coverage - Fitness programs - Discounts for OTC drugs - Various other benefits based on your needs
Eligibility for Medicare Advantage
To enroll in a Medicare Advantage Plan, you must:
- Be enrolled in Medicare Part A and Part B. - Live in the plan's service area. - Meet D-SNP criteria if applicable.
Common Medicare Advantage Plans in North Carolina
Nearly 800,000 people in NC are enrolled in Medicare Advantage Plans, including:
Health Maintenance Organization (HMO) Plans: Require referrals for specialists and typically stay within the network, except for emergencies.
Preferred Provider Organization (PPO) Plans: Lower costs within the network and no referrals needed.
Dual Special Needs Plans (D-SNPs): For individuals enrolled in both Medicare and Medicaid.
Key Considerations Before Joining
Our Medicare agents in Charlotte recommend checking the following:
- Monthly premiums - Copayments and how they fit your needs - Coinsurance details - Provider network availability - Prescription coverage and formulary - Out-of-pocket limits for budgeting
Need More Information?
Our licensed agents across North Carolina can help determine if a Medicare Advantage Plan is right for you. We can assist with options like Blue Cross NC Medicare Advantage, providing flexibility for your needs.
Contact Us Today: If you have questions about the best plan for you, including those with dental and vision coverage, reach out. We're here to help you explore your options and find the best coverage for your needs. Call us or request a quote now!