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What is a Medicare Advantage Plan?

A Medicare Advantage plan is available to provide more options for Medicare beneficiaries. Medicare pays private insurance companies a monthly premium to be your insurance company. When you are insured on a Medicare Advantage Plan, your private insurance company pays a portion of your claims while you pay a copay. A copay is different from the co-insurance that you pay with Original Medicare (20% for Medical Services Covered by Part B). Another great benefit to having a Medicare Advantage plan is the maximum out of pocket limit which is the most you could be billed for medical services in a year. All Medicare Advantage Plans  have a maximum out of pocket.

Why Speak With a Local Independent Agent?

We believe that speaking with a local agent the most important decision you can make when shopping for a Medicare Advantage Plan. If you’re speaking to someone who is not in your city, metro area or even your state, how would they know all they need to about the local market

Do Plans Differ Based On Where I Live?

Yes! This is the reason that we believe in meeting with a local agent. Each individual has different needs and we realize that our agents in Wilmington may not understand the complexities of local networks in Raleigh, Charlotte or even Charleston SC. This is why we do not use a call center to enroll our clients. We believe that local agents are the best way to select a plan.

Can I Choose My Own Doctors on a Medicare Advantage Plan?

There are two types of Medicare Advantage plans that most people use; PPO and HMO. There are different rules for each.

HMO – With an HMO, you can choose a Primary Care Physician (PCP) from a network of doctors. Your PCP will will coordinate your care. If you need to see a specialist, they will refer you to a specialist from within the network.

With a PPO, you can choose from a large network of doctors and referrals are not required. Usually the costs on a PPO are higher than they are on an HMO.

For more freedom and flexibility, the right choice may be a Medicare Supplement. Click Here to learn more about Medicare Supplement Insurance.

 
Which Carrier Should I Choose?

There are several carriers to choose from.  Many Medicare Advantage Carriers offer many extras such as gym memberships (SilverSneakers®), dental insurance, vision coverage, hearing benefits, over the counter items and many other benefits.  Each plan has a service area, so a Medicare Advantage plan that is offered in Wilmington will be different than most plans you would see in Raleigh or Greensboro.  This is why using a local independent agent is so important.

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>> Many seniors have a difficult time understanding Medicare, we want to teach you all that you need to know about Medicare.  This is so you can make an informed decision on how you choose to receive your Medicare.  We help seniors navigate through the complexities of Medicare and help them choose the right plan. In addition, we assist our clients in applying for extra help with prescription drugs and Medicaid.  Our agents truly go the extra mile for our clients. Give us a call, day or night, and we’ll be there to lend a hand <<

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Serving all of North Carolina with offices in Wilmington.

Copyright © 2020 Dennis G Stokley Insurance Agency, Inc. | ® Marks of the BlueCross and Blue Shield Association. Blue Cross and Blue Shield of North Carolina is an independent licensee of the Blue Cross and Blue Shield Association. Dennis G. Stokley Insurance Agency, Inc. is AN INDEPENDENT AUTHORIZED PRODUCER/AGENCY LICENSED TO SELL AND PROMOTE PRODUCTS FROM BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA® (BLUE CROSS NC®). THE CONTENT CONTAINED IN THIS SITE IS MAINTAINED BY Dennis G. Stokley Insurance Agency. BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA® IS AN INDEPENDENT LICENSEE OF THE BLUE CROSS AND BLUE SHIELD® ASSOCIATION. ® REGISTERED MARK OF THE BLUE CROSS AND BLUE SHIELD ASSOCIATION (SM) SERVICE MARK OF THE BLUE CROSS AND BLUE SHIELD ASSOCIATION®

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