If you are seeking a Medicare Advantage (Part C) plan during the Annual Enrollment Period (AEP) for 2019 you will likely find information on the Blue Cross NC BlueMedicare HMO and PPO. Before making a final decision on your Medicare Part C coverage in 2019, it is best to contact an experienced NC health insurance agent. As the top Medicare agency as rated by Blue Cross NC, we are confident our agents will be able to assist you in finding the Medicare Advantage (Part C) plan that will cover your doctor visits and more.
Note that 2019 BlueMedicare HMO and PPO plans will different depending on many factors. You can contact us today to better understand what your monthly premiums will be. You will likely find the following different types of BlueMedicare HMO Plans:
- Medical Only
- Essential
- Enhanced (PPO)
Summary of Benefits will include:
- Monthly Premium
- Deductible
- Annual Maximum Out of Pocket Amount
- Inpatient Hospital Care
- Outpatient Services
- Doctor Visit
- Preventative Care
- Emergency Care
- Urgently Needed Services
- Diagnostic Services, Labs and Imaging
Contact us today so we can go over all of these benefits with you before you make a final decision on your 2019 Medicare Advantage Plan.
Our service area includes the following counties in North Carolina:
Medical Only H3449-012 Alamance, Alexander, Alleghany, Anson, Ashe, Avery, Beaufort, Bertie, Bladen, Brunswick, Buncombe, Cabarrus, Caldwell, Caswell, Catawba, Chatham, Chowan, Cleveland, Columbus, Cumberland, Davidson, Davie, Duplin, Durham, Edgecombe, Forsyth, Franklin, Gaston, Gates, Granville, Greene, Guilford, Halifax, Harnett, Haywood, Henderson, Hertford, Hoke, Hyde, Iredell, Johnston, Jones, Lee, Lincoln, Madison, Martin, McDowell, Mecklenburg, Mitchell, Montgomery, Nash, New Hanover, Northampton, Orange, Pamlico, Pender, Person, Pitt, Polk, Randolph, Richmond, Robeson, Rockingham, Rowan, Sampson, Scotland, Stanly, Stokes, Surry, Transylvania, Tyrrell, Union, Vance, Wake, Warren, Washington, Watauga, Wayne, Wilkes, Wilson, Yadkin and Yancey
Essential H3449-023-001 Alamance, Buncombe, Catawba, Guilford, Haywood, Henderson, Madison, McDowell, Mitchell, Orange, Polk, Randolph, Rockingham, Transylvania and Yancey
Essential H3449-023-002 Alexander, Alleghany, Anson, Ashe, Avery, Beaufort, Bertie, Bladen, Brunswick, Cabarrus, Caldwell, Caswell, Chatham, Chowan, Cleveland, Columbus, Cumberland, Davidson, Davie, Duplin, Durham, Edgecombe, Forsyth, Franklin, Gaston, Gates, Granville, Greene, Halifax, Harnett, Hertford, Hoke, Hyde, Iredell, Johnston, Jones, Lee, Lincoln, Martin, Mecklenburg, Montgomery, Nash, New Hanover, Northampton, Pamlico, Pender, Person, Pitt, Richmond, Robeson, Rowan, Sampson, Scotland, Stanly, Stokes, Surry, Tyrrell, Union, Vance, Wake, Warren, Washington, Watauga, Wayne, Wilkes, Wilson and Yadkin
Enhanced H3449-005 Alexander, Alleghany, Ashe, Avery, Beaufort, Bertie, Bladen, Buncombe, Caldwell, Catawba, Chatham, Chowan, Cleveland, Columbus, Cumberland, Durham, Edgecombe, Franklin, Gaston, Gates, Granville, Greene, Guilford, Halifax, Haywood, Henderson, Hertford, Hyde, Johnston, Jones, Lee, Madison, Martin, Nash, New Hanover, Northampton, Orange, Pender, Person, Polk, Robeson, Rockingham, Sampson, Scotland, Vance, Warren, Watauga, Wayne and Yancey
Frequently Asked Questions
What is the difference between a HMO and PPO plan?
With an HMO plan, you’ll get access to certain doctors and hospitals within its network. A PPO plan is different because it provides flexibility when selecting a doctor. It also features a network of providers but there are fewer restriction on seeing out of network providers. Also, PPO insurance will stay pay if you decide to see an out of network provider.
What type of plan is more affordable: an HMO or PPO?
In most cases, HMOS are more affordable. However, this comes with a price because they offer less flexibility. If you’re looking for a more cost-effective plan, an HMO may be right for you whereas if you value the chance to see any doctor or specialist, a PPO may be worth the higher price tag. An insurance expert can help you make an informed decision.
What is Medicare Advantage?
A Medicare Advantage plan can give you the chance to receive your Medicare benefits via a private insurance company that has been approved by Medicare. It must include all Medicare Part A and Part B coverage but can also offer additional benefits.
How does Medicare Advantage differ from a Medicare supplement plan?
A Medicare supplement plan is designed to be a supplement to original Medicare. Medicare Advantage differs in that it’s meant to offer comprehensive medical coverage.
What factors should I consider before choosing an insurance plan?
There are many factors you should consider before selecting an insurance plan. After all, it’s one of the most important investments you will ever make. We suggest taking a look at all of your options and evaluating the following: premiums, deductible, co-payments, and medication coverage. It’s also a good idea to consider your current health situation and budget before making a decision.