Welcome, at this site you will learn about North Carolina Medicare and North Carolina Medicare supplemental insurance. Our goal is to provide the information to choose a Medicare supplement plan that best suits your needs at the least expensive price available.
|Is Medicare supplement Plan F right for you?
What exactly is North Carolina Medicare?
North Carolina Medicare is just Medicare run inside the state of North Carolina. Medicare is our country’s health insurance program for people age 65 or older. Some people younger than age 65 can get Medicare when they have specific disabilities. The program helps pay for the cost of healthcare, but it fails to cover all medical expenses or the cost of most long-term care.
When should I sign up for North Carolina Medicare?
If you are not already getting retirement benefits you should contact Social Security about three months before your 65th birthday to enroll in Medicare. It is possible to enroll in Medicare even when you do not plan to retire at age 65. Click here to go to the Social Security online Retirement/Medicare application.
Medicare Part A (Hospital Insurance)
Medicare Part A covers part of your medical bills when you have been admitted into a hospital, skilled nursing facility, hospice, and some home health care.
You pay (2012): The per incident period (not per year) deductible for Medicare Part A of $1156, $289 daily for the days 61-90 hospital room and board, $578 daily after 90 days (up to a maximum of 60 days over your lifetime and total costs thereafter), $144.50 daily for skilled nursing facility for days 21-100 and all of costs thereafter.
Medicare Part B (Doctor Insurance)
Medicare Part B covers a portion of your medical expenses for doctor services, some preventive services and various medical services and supplies that are not covered by Medicare Part A. If you have Medicare Part B you will pay a premium each month out of your Social security benefits.
You pay (2012): The yearly deductible of $140, the costs of the first 3 units of blood, 20% for durable medical equipment, 20% for doctor services to include doctor service while as a hospital patient, 40% outpatient mental healthcare, any excess charges (some doctors can charge up to 15% above what Medicare authorizes)
While Medicare will cover a substantial portion of your Medical expenses there are plenty of gaps left for you to pay. These gaps can easily deplete a person’s financial resources. A North Carolina Medicare supplemental insurance policy can cover most or all of the Medicare cost and they are very affordable for most people.
North Carolina Medicare supplement insurance plans are provided by private insurance companies. The federal government has standardized these plans. Which means that all plans labelled by the same letter provide identical coverage regardless if you obtain your insurance from Family Life, Mutual of Omaha, AARP, Blue Cross or some other insurance company. Nationwide three of the most popular plans are F, G, and N.
North Carolina Medicare supplement plan F: This is easily the most popular and comprehensive plan. It covers all of the gaps left both in Medicare Part A and Part B.
North Carolina Medicare supplement plan G: This plan is just about the same as Medicare supplement plan F except for not paying the yearly Medicare Part B deductible. For many this is the best option when you don’t mind paying the yearly deductible as opposed to the sometimes higher monthly premiums for Medicare supplement plan F.
North Carolina Medicare supplement plan N: Unlike Medicare supplement plan F this plan contains a bit of cost-sharing ($20 doctor’s office co-pay and $50 emergency room co-pay in 2011) in exchange for lower monthly premiums. Plan N is designed as an alternative to Medicare Advantage plans, while adding the freedom and stability of a Medicare supplement plan.
There are many insurance companies providing North Carolina Medicare supplement plans and the costs can vary greatly from company to company. Many people who do not use the services of an independent agent end up paying over 40-50% more a month for their insurance! It is a shame because getting your Medicare supplement insurance through us cost you absolutely nothing.
Click here to see the Medicare supplement plans chart
You can request Medicare supplement quotes now by clicking here and filling out a simple form. An agent will look up the rates based off of the information you provide and send the quotes to you by email.
Hello! My name is Sergeant First Class (retired) Joel Moyer, an owner and independent agent for Centaur Medicare Solutions LLC. I served our country in the US Army for over twenty years, and I look forward to serving you.
Centaur Medicare Solutions is a Limited Liability Company specializing in Medicare Supplement Insurance and Term Life Insurance. We provide our customers with an independent agent dedicated to finding the best services for that customer.
Centaur Medicare Solutions prides itself on being an ethical agency obligated to recommend products that best meet your needs, goals and financial resources. Our desire is to act as an adviser, letting you take your time to make decisions about purchases and answer any questions that you may have. Selling the right product, to the right person, at the right time is our priority. Thank you for visiting our website.