Find The Plan For You
Medicare is a federal health insurance program primarily for people 65 years of age or older.
It also covers individuals under 65 with certain disabilities and people of any age with End-Stage Renal Disease (ESRD), which is permanent kidney failure requiring dialysis or a kidney transplant.
Below is a summary of each part of Medicare coverage and the options available to you.
Duncan’s 65th Birthday – 60 seconds
Learn More About Your Options
Medicare Part A (Hospital) & B (Medical)
Part A covers inpatient hospital expenses, including:
- Room and board
- Rehabilitation in a skilled nursing facility
- Hospice care
- Home healthcare services
Part B covers medical services, including:
- Doctor visits
- Specialist services
- Surgeons
- Durable medical equipment
Medicare Part C (Medicare Advantage)
- Includes all benefits and services covered under Medicare Part A (Hospital Insurance) and Medicare Part B (Medical Insurance).
- Managed by Medicare-approved private insurance companies.
- Often includes Medicare Part D (Prescription Drug Coverage).
- May offer additional benefits such as:
- Dental and vision coverage
- Gym memberships (at no additional cost)
- OTC (Over-the-counter) card
- Transportation services for medical appointments
Medicare Part D (Medicare Prescription Drug Coverage)
- Helps cover the cost of outpatient prescription drugs.
- Managed by Medicare-approved private insurance companies.
- May reduce your prescription drug costs and provide protection against future price increases.
Medicare Supplement Insurance (Medigap)
- Available to individuals enrolled in Medicare Part A and Part B.
- You purchase Medigap from a private insurance company and pay a monthly premium for the policy.
- In addition to your Medigap premium, you will also continue paying your Medicare Part B premium to Medicare.
- Medigap includes 11 plans designed to cover all or part of the expenses not paid by original Medicare, such as copayments, coinsurance, and deductibles.
Blue to Blue: Flexibility to Change Your Plan
With Blue to Blue, Blue Cross Blue Shield NC members have the flexibility to switch Medicare plans without answering additional medical questions during designated periods.
- Unlike some insurers, Blue Cross NC allows you to switch plans if your needs change—without medical exams or underwriting.
- You can make changes to your plan during the Annual Enrollment Period (AEP) or if you qualify for a Special Enrollment Period (SEP).
Plan Switch Options:
- Switch from one Medicare Advantage plan to another.
- Switch from Medicare Advantage to Medicare Supplement.
- Switch from Medicare Supplement to Medicare Advantage.
- Switch from one Medicare Supplement plan to another.
This flexibility ensures that your Medicare plan will always meet your evolving needs and budget.
Note: Certain restrictions apply. Plan changes can only be made during specific times of the year.
Medicare Coverage Is Important
Getting covered is one of the most vital decisions you will make, but it doesn’t need to be hard.
Start the process by requesting a free quote or by reaching out to our team!
