Medicare can be complicated. There are many options and many terms – Medicare Advantage, Supplements, Prescription Plans, Parts A, B and other letters of the alphabet that can cause some confusion. The Medicare process doesn’t have to be confusing if you have a trusted insurance agent on your side.
Our Medicare Insurance Agents have served as trusted Medicare advisors to residents of Raleigh and North Carolinians with their Medicare choices for over 20 years. Finding a plan should be simple and we are here to help you understand the Basics of Medicare so you can be confident with the plan you select.
If you are going to be turning 65 in the coming year or are Medicare-eligible due to a disability, our Raleigh Medicare brokers can make sure you get the perfect Medicare plan in place.
What is Medicare Part B?
Medicare Part B covers preventative and medically necessary services. Preventative services include early detection and preventative measures to catch illnesses, diseases, etc. when treatment is most likely to be effective. Medicare Part B includes services like:
- Inpatient and outpatient mental health
- Outpatient prescription drugs (with potential limitations)
- Emergency ambulance services
- And more
Talk with Carolina Insurance Professionals for more information about what’s covered by Medicare Part B. We’re the Medicare brokers of Raleigh that can give you expert advice at no additional cost to you.
What is Medicare Advantage?
Medicare Advantage is a more comprehensive alternative to Original Medicare offered by select private companies. These plans usually include supplemental insurance and prescription drug plans and may offer additional benefits. They may also have a lower out-of-pocket expenses than Original Medicare. Medicare Advantage plans may have a limited network of providers and usually includes Medicare Part A, Part B, and Part D. Medicare Advantage also includes some benefits and coverage that Original Medicare doesn’t like:
- Vision
- Hearing
- Dental
- Fitness
The cost of Medicare Advantage Plans vary from provider to provider and a patient’s individual situation.
What is the Difference Between Medicare and Medicaid?
Medicare is a federal insurance program primarily for individuals over the age of 65 and/or those who are living with disabilities. There are small monthly premiums for certain types of coverage and deductibles for various services.
Medicaid is a federal and state assistance program for low-income individuals and families, regardless of ability or age. Patients typically have no-cost or low-cost coverage and rates vary from state to state.
What Does Medicare Cover?
Medicare has several different components, all of which offer different benefits.
Medicare Part A
- Hospitalization coverage
Medicare Part B
- Outpatient doctor’s visits and diagnostics
Medicare Part C, Also Known As Medicare Advantage
- A private option offering both Part A and Part B of Original Medicare and other benefits
Medicare Part D
- Prescription drug coverage
Medicare Supplement, Also Known As Medigap
- Private insurance that helps cover the costs of coinsurance, deductibles, and copays
For more information about what each part of Medicare covers, call our Medicare insurance advisors or contact us online. Carolina Insurance Professionals is here to answer all of your Medicare questions and help find the right plan for you.
Get the Answers You Are Looking For
We hope this information has been helpful in guiding you through the complex world of Medicare. Remember, enrolling in Medicare coverage is an important decision, and understanding the different insurance plans and Medicare supplement plans available can make a big difference in your healthcare costs.
Open enrollment periods offer a great opportunity to review your coverage and make any necessary changes to your insurance policy. If you are eligible for Medicare, it is important to explore all of your options and compare plans to find the best fit for your needs. One of our licensed insurance agents can help you navigate the enrollment process.
We’re the leading team of Medicare insurance agents in Raleigh, NC. We proudly serve North Carolina residents and are ready to help you find Medicare quotes and options at no additional cost to you, all you need to do is contact us online for more information.
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