Durham County, North Carolina includes Durham, Bahama, Rougemont, Oak Grove and parts of Chapel Hill. This is on of the fastest growing counties in not only North Carolina but the entire country. With Duke University and Duke Hospital being located in Durham County, it is a place in which seniors know they will be able to find the best healthcare in the nation. Since this is true, there are more and more residents over the age of 65 looking for a medicare insurance policy. Some will seek out the best North Carolina medigap rates for 2017. Before deciding on a policy or insurance provider, it is best to complete one’s due diligence with the great online tools available.
Medicare.gov will allows citizens of Durham County to look up prices for different policies. Note that these are not price quotes, but they are round numbers that will give you an idea as to how much you will pay on a monthly basis. Just because a policy is the lowest price or the cheapest does not mean it is the best for you. We always suggest looking at all options and understanding that it is well worth an extra $5 a month to get the best customer service.
For a frame or reference, here are the price ranges for the different policies in Durham County, North Carolina:
- Policy A – $77 – $218
- Policy B – $114 – $249
- Policy C – $135 – $283
- Policy D – $119 – $214
- Policy F – $127 – $238
- Policy F Highly Deductible – $26 – $80
- Policy G – $94 – $209
- Policy K – $46 – $97
- Policy L – $78 – $136
- Policy M – $104 – $157
- Policy N – $84 – $218
Big name insurance companies such as Blue Cross Blue Shield of North Carolina, Aetna, Cigna, Old Surety and AARP have options if you currently reside in Durham County. Also note that your policy may differ, in price, for someone that is in Wake, Chatham or Orange County. You may have the exact same policy and pay a little more or a little less.
All Medigap policies must cover a basic set of benefits. These basic benefits include most Medicare Part A and B coinsurance amounts, blood, and additional hospital benefits not covered by Original Medicare.
- Part A Hospital Coinsurance
- Days 61-90 of a hospital stay in each Medicare benefit period
- Days 91-150 of a hospital stay. Medicare will only pay for these 60 days once during your lifetime
- Additional Part A Hospital Benefits
- An extra 365 days of inpatient hospital care after you use your Original Medicare hospital benefits
- Part B Coinsurance
- Pays Full or Partial Coverage for the Part B coinsurance after you meet your annual deductible.*
- Pays Full or Partial Coverage for the first three pints of blood per calendar year.
- Part A Hospice Coinsurance
- Pays for coverage of certain “Medicare covered” Part B drugs obtained in a doctor’s office, pharmacy or in a hospital outpatient setting and inpatient respite care coinsurance.
If you are seeking the best medigap rates in Durham, NC during open enrollment in 2017 do not hesitate to comment below or reach out to us. We would love to help you find the lowest prices.