You are turning 65 and you will have access to Medicare health coverage. Now you need to complete your protection by purchasing the right North Carolina Medicare supplement insurance to cover all of your medical expenses that Original Medicare will not. We are here to help.
Learn more about the different parts of Medicare health coverage, eligibility requirements and when to enroll in a North Carolina Medicare supplement insurance plan with First Pioneer Insurance Agency.
Medicare’s Specific Coverage Parts
You are automatically enrolled in Part A when you turn age 65, but what does that mean? There are specific parts of North Carolina Medicare coverage. Here is a basic understanding of how they work and who offers them:
Original Medicare includes Part A and Part B coverage
- Medicare Part A is hospital insurance that helps cover inpatient hospital care, skilled nursing facility care, hospice and home health care. You usually do not pay a monthly premium for Part A coverage.
- Medicare Part B is medical insurance that helps cover medically necessary doctor services and outpatient care. It also includes some preventive services to help you maintain good health and to keep certain illnesses from getting worse. You will typically pay a monthly premium for Part B.
Original Medicare is offered by the federal government and covers about 80% of the cost of many health care services. It does not pay for all of your costs and Medicare supplement insurance is typically needed.
Covering the Gaps Left By Medicare
Medicare covers many health care services and certain prescription drugs, but it does not pay for all of your costs. These “coverage gaps” could leave you paying up to 20% of your health related expenses.
A North Carolina Medicare supplement plan can help cover expenses such as copayments, coinsurance and deductibles that Original Medicare does not cover. It is often called a Medigap policy and is purchased in addition to Part A and Part B coverage.
Enrollment in a North Carolina Medicare supplement plan is simple. You can be guaranteed acceptance for coverage if:
- Age 65 or older and eligible for Medicare
- Enroll within six months of enrolling in Medicare Part B
- Not covered by Medicaid
- North Carolina resident
Medicare supplement insurance plans are standardized plans that are offered by private insurance companies. First Pioneer Insurance can help you choose the Medicare supplement plan that is right for you. We will help you select a plan that includes the benefits that are most important to you.
Your North Carolina Medicare Supplement Insurance Specialists
Get coverage to protect yourself, your savings, and your peace of mind. At First Pioneer Insurance, we have protected citizens across the state of North Carolina since 1980. We know and understand North Carolina Medicare supplement insurance. We also understand that Medicare health coverage can be very confusing and the decisions are overwhelming.
Let us show you how Medicare supplement insurance can give you the added security you need. Contact First Pioneer Insurance today at 800-547-1495 and find an affordable plan that will put you in control of your health.