Our Insurance Products
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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