Even as you approach the age where you become Medicare eligible, you can have difficulty selecting the right health insurance plan for you.
The Medicare program does offer various insurance plans, each with its own benefits and coverage options. All of these options can make it difficult to understand Medicare coverage, Medicare costs, and other Medicare benefits.
Our Medicare advisors can help you gain a thorough understanding of everything related to Medicare benefits. At Carolina Insurance Professionals, our experienced team of licensed Medicare insurance agents can help you navigate your Medicare enrollment needs.
Whether you need assistance choosing from Medicare Advantage plans, a Medicare supplement plan, or prescription drug coverage, we can help you choose the right health coverage based on your unique needs.
What Medicare Coverage Can Offer You
Once you become eligible for Medicare, it is important to have a strong understanding of how each Medicare part works. You'll be presented with options to select from:
- Medicare Part A: covers hospital services, inpatient stays, skilled nursing facility care, hospice services, as well as some healthcare.
- Medicare Part B: offers medical coverage for doctor visits, outpatient care, preventative services, and durable medical equipment.
- Medicare Part C: otherwise known as Medicare Advantage, is offered by private insurance companies and includes coverage that Parts A and B offer, possibly even prescription drug coverage and dental care.
- Medicare Part D: offers coverage for prescription drug plans to reduce out-of-pocket expenses for medication.
Not every client needs the same Medicare package, so we will take the time to find the right option for you.
Who Needs A Medicare Supplement Plan?
Some beneficiaries feel that original Medicare does not provide enough medical coverage. With Medicare supplement insurance or Medigap insurance, you can bolster your healthcare coverage with supplement plans to help you cover out-of-pocket expenses including deductibles, coinsurance, and co-payments.
A Medicare supplement plan allows you to fill in any gaps left by your original Medicare coverage to help you with medical expenses. This option offers standardized benefits across all private insurance companies, even providing coverage for foreign travel, with no need for a referral to see a medical provider.
Medicare supplement plans offer additional security and can provide you with peace of mind knowing you are protected against unexpected healthcare costs.
Let Our Medicare Agents Help Find The Right Medicare Plan For You
When you are having trouble choosing the right Medicare health plan, let a Medicare broker at Carolina Insurance Professionals guide you through the process. We can assist you with enrolling in Medicare, changing Medicare Advantage plans, or finding a Medicare supplement insurance plan for your unique needs.
Your Medicare enrollment period will not stay open forever, so contact Carolina Insurance Professionals today to learn more about your health insurance plan options, compare insurance providers, and get the answers you need about Medicare costs, medical underwriting, and insurance coverage. To discuss your Medicare plan options, call our Charlotte office at (919) 285-4732 or reach out online to schedule your initial appointment with us today.
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