What’s the most popular Medicare Advantage network choice for seniors in Charlotte?
One of the first Medicare questions most people have pertains to Part C or Medicare Advantage plans. These plans are offered by private insurance companies but must provide the same coverage as Original Medicare, including hospital insurance for inpatient care (Part A) and medical insurance for services from healthcare providers (Part B). Here are the most popular Advantage plan providers in North Carolina:
Largest Medicare Advantage plans in North Carolina by number of covered seniors
- Aetna
- BlueCross BlueShield of North Carolina
- Care N’ Care
- Humana
- UnitedHealthcare
Aetna is the most popular option statewide, but that doesn’t automatically make it the right option for your loved one. A Medicare broker in Charlotte can help your older adult find the Advantage plan that works for them by looking at out-of-pocket costs and additional perks such as dental insurance, prescription drug coverage, and more. Alternatively, your loved one might not need an Advantage plan at all.
What are some facts that seniors in Charlotte should know?
Everybody knows that Medicare is health insurance for seniors and most know that the federal government is somehow involved. Unfortunately, the public has a lot of misconceptions regarding the specifics of what Medicare covers and how much they will have to pay. The chart below highlights some of the most common misconceptions that a Charlotte Medicare broker can help clear up:
Frequently misunderstood Medicare facts
Did not know that Medicare covers COVID tests and treatments.
Mistakenly believe that Medicare covers long-term health care.
Did not know that Medicare premiums vary.
It might be worth talking about Medicare with your loved one to see if they truly understand what they qualify for. You might not have all of the answers either, so bring a licensed health insurance broker in Charlotte into the conversation to explain the difference between Part D prescription drug coverage and Advantage plans or why you might want to buy Part G Medigap insurance to cover the 20% of costs that Original Medicare won’t pay for.
Where can I find reliable health insurance and Medicare brokers in Charlotte?
Finding a certified Medicare broker in Charlotte begins by verifying that each candidate is licensed in the state and qualified to talk about all of the options available in the area. Brokers who work for specific insurance companies may have an incentive to push their employer’s plans, so we recommend dealing exclusively with independent brokers who will focus on your loved one’s specific needs. We also advise walking away if a broker is too salesy or ignoring your loved one’s needs.
Our comprehensive guide to finding a Medicare broker contains even more tips and tricks that you can use to find your loved one the coverage they need. Seasons is a trustworthy resource designed to help seniors and their families find all of the support older adults need, so you can trust our guide implicitly.
Charlotte’s most knowledgeable health insurance and Medicare brokers
Health insurance is a complicated subject and getting it right often makes the difference between your loved one enjoying their retirement and choosing between food and medical care. The stakes are too high to simply wing it, so please use our free Charlotte health insurance resources to help your loved one select a Medicare plan.
