If you are near Asheville, North Carolina and are looking for a way to get more coverage on your Medicare, a supplement plan may be a good choice for you. A Medicare supplement plan, also called a Medigap plan, can help you reduce your out-of-pocket spending costs over the long run.
Various medical expenses are not covered by Medicare parts A and B so many people over the age of 65 opt to get an additional policy to fill gaps in their coverage. There are many different types of Medicare supplement plans that you can apply for and each has different coverage and premium prices.
Common Medicare supplement plans in NC
There are 10 Medicare supplement plans to choose from, so how are you supposed to know which one to go with. There are several Medigap plans that are more popular than others in North Carolina due to their coverage. These three plans are:
Plan F – This supplement plan is known as the most comprehensive. It will give you the most coverage out of any other Medigap plans. Because of this, it costs the most and not everyone is eligible for this plan.
Plan G – This Medicare Supplement Plan is just under Plan F in terms of coverage. Plan G is available to everyone unlike Plan F although it does not cover the Part B deductible.
Plan N – This plan is popular in NC because of its low rate increases and low premium price. This plan requires that you make copayments.
These are just the top 3 Medigap plans available to Medicare members. Sometimes, it is best to get the most comprehensive plan like Plan F to ensure that you are covering all your bases. Other times you don’t need to pay that extra money because one plan covers everything you need. In order to choose the right plan for yourself, it is recommended that you speak with one of our agents.
Our Agents have been helping customers find the right Medicare supplement plan for them for decades. It really helps to have someone to talk to and ask questions along the way when you are choosing a Medigap plan to invest in.
Things You Should Know About Supplement Plans
There are several important things that you should know when it comes to purchasing a supplement plan. Here are a few things that are important to understand.
You Must Have Medicare Parts A and B
In order to be eligible for a Medicare supplement plan, you must already be enrolled in Medicare parts A and B. Medigap plans are only supplemental to insurance plans that you already own.
You Can Buy A Policy From Anyone Licensed
There is not a certain company that you have to go to in order to buy a Medicare supplement plan. There are many businesses in North Carolina that are licensed to sell you a Medigap policy.
Medigap and Medicare Advantage Are Different
Medicare Advantage plans are designed to give you benefits to your insurance plan while Medigap plans are only there to supplement your Original Medicare Plan.
Get a Supplement Plan in Asheville, NC
If you are interested in getting a Medicare supplement plan and you are located near Asheville, NC, contact The Mair Agency today! We have been helping customers choose the right plan for themselves for over 25 years.
Contact us today to get in touch with on of our knowledgeable industry experts. We can help you choose the right Medicare supplement plan option for your specific needs.