Explore your options
Compare options, including Medicare Advantage, Medicare Supplement, and prescription plans.
Find a Licensed Medicare agent in North Carolina
Connect with Medicare agents in North Carolina
Noah Wilson
Toni Aldridge
Kevin Hatfield
Shannon Davis
Tyler Eby
Kayla Torry
Brandon Kauffman
Calvin Fritz
Sara Morrissey
Matt Willenborg
Why work with a Medicare agent
Enroll in Medicare
Get the help you need to enroll in Medicare, from Original Medicare to supplemental coverage.
Use your coverage
Receive extended support to help you use your plan effectively, find doctors, and get savings.
A Snapshot of Medicare in North Carolina
Medicare Advantage plans are the most popular option in North Carolina, representing 55% of enrollees. Original Medicare accounts for the remaining 45%.
Original Medicare is made up of Part A and Part B. Medicare Part A covers inpatient hospital stays, skilled nursing facility stays, and hospice and home health care. Most people in North Carolina pay no monthly premium for Original Medicare's Part A coverage. Medicare Part B covers medical and outpatient care.
Medicare Advantage plans replace Original Medicare and may provide enhanced benefits and coverage beyond what Original Medicare provides. These often include vision, hearing, and dental coverage. Many Medicare Advantage plans also include Part D prescription coverage, so you don't need a separate drug plan.
North Carolina residents with Original Medicare can choose a Medicare Part D plan to provide prescription drug coverage. However, Part D plan pricing and availability may vary from county to county. They may also enroll in a Medigap plan to help pay some out-of-pocket costs that Original Medicare doesn't cover.
How to apply for Medicare in North Carolina?
Medicare eligibility in North Carolina follows the same nationwide rules as everywhere else in the country. You qualify for Medicare as a US citizen if you meet one of these criteria:
- You're 65 or older
- You have a qualifying disability, such as End-Stage Renal Disease or ALS
- You've received SSDI for 24 months or more
Enrolling in North Carolina takes three key steps:
- Sign up for Original Medicare (Part A and Part B)
- Decide on your supplemental coverage:
- Medicare Supplement (Medigap)
- Medicare Advantage (Part C)
- Part D (prescription drug coverage)
- Confirm your doctors are in network, update your pharmacy with your new plan, and activate any additional benefits included with your coverage
FAQs
How can I get help comparing Medicare options in North Carolina?
Chapter's North Carolina Medicare Advisors are here to help you get the most from Medicare. Our licensed Medicare agents provide free advice and support. Please schedule a free consultation or call Chapter at (855) 900-2427 to get your questions answered and feel confident in your Medicare decisions.
How does my county affect Medicare Advantage choices in North Carolina?
Medicare Advantage plans are provided by private insurers, who don't always offer the same plans statewide. As a result, your Medicare Advantage plan options can vary considerably from one county to the next. Moving between counties could also mean your existing Medicare Advantage plan no longer applies. In those cases, you may qualify for a Special Enrollment Period that allows you to choose a new Medicare Advantage plan or switch to Original Medicare.
What assistance is available to North Carolina residents who need help with Medicare costs?
There are four Medicare Savings Programs available for North Carolina residents: the Qualified Medicare Beneficiary, Specified Low-Income Medicare Beneficiary, Qualified Individual, and Qualified Disabled and Working Individual programs. These programs can help cover Medicare Part A and/or Part B costs. Low-income residents may also qualify for the Extra Help program, which helps cover the cost of Part D prescription drug coverage.
What are Medicare Supplement plans in North Carolina?
Medicare Supplement plans help cover out-of-pocket expenses for those with Original Medicare. They're also known as Medigap plans. Medicare Supplement plans are standardized and categorized by letter. So, every plan option under a given letter provides the same coverage, regardless of the provider.
