Medicare Supplements – North Carolina

Medicare in North Carolina is very similar to Medicare in other states. However, there are a few small details that make receiving Medicare and Medicare Supplement plans in North Carolina a bit different. Like with any other state, the service is still a federal one and subject to the same rules, regulations, and restrictions as Medicare is in every other state in the country.

Medicare is a federal program meant to provide medical insurance for U.S. residents age 65 or older, as well as others who qualify due to select conditions. A Medicare plan can be a big help in relieving the financial burden of medical care for seniors and others.

Medicare Supplement Plans in North Carolina

A Medicare Supplement plan (also referred to as MediSup or Medigap insurance) are plans that cover gaps in Medicare. Medicare has certain limits and restrictions and may not provide coverage for all the services someone needs, like in-home nursing or hearing aids, so a Medicare Supplement plans can help. These plans are available through private insurance companies that have received approval from the government to provide them.

Like most other states in the country, there are ten Medicare Supplement plans available in North Carolina, labeled by the letters A through N. Every plan under a certain label (K, for instance) will cover everything as plans with the same label regardless of which insurer provides it.

The best time to enroll in any Medicare Supplement plan, regardless of the insurer, is during the six month period called the Medigap Open Enrollment Period, which begins on the first day of the month of your 65th (or older) birthday. During this period, you will not need to provide a health background. You can enroll during any other time, but you might be required to provide your health history to the provider.

Current Plans:

Supplement Plan A

Supplement Plan B

Supplement Plan C

Supplement Plan D

Supplement Plan F

Supplement Plan G

Supplement Plan K

Supplement Plan L

Supplement Plan M

Supplement Plan N

How to Apply for Medicare in North Carolina

Like with other states, there are several ways to apply for Medicare in North Carolina.

Before you try to apply, know that you need to be a U.S. citizen or a permanent resident of the U.S. for at least five years. All qualified residents are automatically enrolled after age 65, as are all disabled residents who are also enrolled in Social Security. If you receive benefits through the Railroad Retirement Board, you will also be enrolled automatically. Those with ALS (Lou Gehrig’s disease) and end-stage renal disease, you may be eligible to enroll before you turn 65.

If you’re looking to apply for Medicare in North Carolina, there are many options:

• You can apply online
• You can contact an agent to help you select a plan

In order to learn whether or not you qualify for enrollment in a Medicare Advantage Plan, Medicare Supplement plan, and/or Medicare Prescription Plan, you can reach out to the plan provider (insurance company) directly or call 855-494-0097.

Medicare and Medicare Supplement plans can be a lifeline for seniors and other qualified people in North Carolina. We all know medical care can get very expensive, so if it seems like you might qualify for Medicare, apply today to get started.