NC Medicare Expert

NC Medicare Supplement and Medigap Rates

Month: August 2017 (page 1 of 2)

919-459-2683 Phone Number Voicemail – Is This Real or Spam?

Residents in the state of North Carolina have reported they have been getting called and left voicemails by the number 919-459-2683. Some have reached out to us asking if this is a trustworthy number calling them. We have learned that this is a phone number for The MAIR Agency offering to assist those looking for healthcare options. If you have received a voicemail from the phone number 919-459-2683, you can feel confident that when you call back, you will be speaking to a real insurance agent that is looking out for your best needs.

Over the last few years we have all received voicemails without even getting a phone call. This may have been the case with you. Part of this is the network you are on, part of it is the phone you are using and part of it is simply technology. Either way, feel confident that you have nothing to fear when it comes to receiving a voicemail even if your phone did not ring with the number 919-459-2683.

While open enrollment doesn’t begin until November 1st, 2017, now is the time to get ahead and choose which health insurance plan is right for you. The agents at The MAIR Agency offer amazing advice and even better customer service. If you have sought out policies or plans through Blue Cross Blue Shield of North Carolina, we cannot recommend The MAIR Agency enough.

Comment below if you have any questions as it relates to healthcare policies or getting an affordable rate on your plan.

919-459-2687 Phone Number Voicemail – Real or Spam?

If you are in the state of North Carolina you may have received a phone call and voicemail from the phone number 919-459-2687. We have received a number of inquiries asking why an insurance company or insurance agency is leaving a voicemail. Some want to know if this is real or just spam to get you to sign up for something. We have found that this is a real number and it is The MAIR Agency contacting you to assist you in getting the best possible healthcare plan.

If you are getting medicare in North Carolina and are seeking an insurance plan to suit your needs, The MAIR Agency is the best option. After returning the phone call regarding the voicemail, they treated us very well and we were able to determine which policy was the best for our needs. Note that just because a policy or plan is the lowest price, it does not mean it is the best plan for you.

The MAIR Agency has a group of amazing agents that will help you specifically. They will do their best to find a Blue Cross Blue Shield of North Carolina policy that coverages exactly what you are looking for. Even though open enrollment does not begin until November 1st, 2017 it is still smart to stay ahead and know what you want so when open enrollment begins you do not get caught up in the madness.

If you have any questions related to this phone number calling you or getting the best health insurance policy in North Carolina, do not hesitate to comment below.

919-249-6105 Phone Number Voicemail – Is This Real or Spam?

In September, October, November and December of 2017 some people in North Carolina have found that the number 919-249-6105 has left a voicemail on their phone. These same people are Googling to find out if this is a legit or real person or just some spam number calling. We have learned that The MAIR Agency is helping North Carolina residents with their healthcare coverage. This is the number that has likely called and left you a voicemail. You can be comfortable in knowing that if you call back, there will be an actual human being that will help you find a healthcare plan that fits your needs.

If you are looking for a medicare plan in North Carolina in 2017, the MAIR Agency is the best authorized agency in terms of customer service and looking out for the customer. Their agents were very receptive when we called back after we received their voicemail. Whether you are looking for Medicare Part A, B, C or D or Medigap coverage, there are Blue Cross Blue Shield of North Carolina opportunities available.

Even though open enrollment doesn’t begin until November 1st, 2017, it is a good idea to contact a health insurance agency ahead of time to understand your options. This will make it much easier when the time comes for you to sign up for your plan that will take effective in 2018. If you have any questions related to getting these phone calls or would like to know about our experience with The MAIR Agency, do not hesitate to comment below.

919-459-2667 Phone Number Calling – Is This Real or Spam?

In September, October, November and December of 2017 you may have been called by the phone number 919-459-2667. They may have even left a voicemail for you to call them back. With almost everyone receiving dozens of random phone calls on a daily basis, it is important to know if this is a legit person calling about healthcare coverage in 2017. In fact, it is. It is the MAIR Agency calling to discuss options with you. They called us and we found out that we can save quite a bit by using them.

You may find that you get a voicemail without even getting a phone call. That is becoming more and more common as cell phones, especially iPhones and Androids are not receiving calls when you are in a specific location. The fact that you have received the voicemail means they are reaching out to you in an attempt to save you money with your healthcare coverage.

It would be smart to get ahead of the open enrollment that begins on November 1st, 2017. The MAIR Agency can give you all the information you need if you are looking for Medicare Part A, B, C or D or Medigap Coverage. In fact, they can assist you with any type of healthcare coverage in 2017. When looking for a great Blue Cross Blue Shield of North Carolina healthcare agency, we suggest looking no further than the MAIR Agency. They treated us very well and we are certain they will do the same for you.

Can Veterans Get a Discount on Medicare Plans in 2017?

As Obamacare continues to be discussed in Washington, more Americans have accepted they will have to go through Healthcare.gov again in November and December of 2017. Some veterans are looking at options when it comes to a medicare plan. Whether this is Part A, Part B or medigap, it is important to know the options that are available to all.

Veterans get many discounts in the state of North Carolina. Having served for our country and risked their lives, they deserve many financial benefits and discounts. From restaurants to retailers, veterans can save anywhere from 10% to 50%. There are even days when veterans eat for free. In our opinion, veterans should get even more discounts. We recently found a Honda military and veterans discount which is fantastic. Why don’t more car dealerships offer this opportunity?

When looking for medicare rate quotes, remember, open enrollment starts on November 1st and concludes on December 15th, 2017. If you are a veteran, there are options for you. We strongly suggest calling The Mair Agency to get more information on your options. They have a team that can help you save money while also getting the exact policy that will suit your needs.

As we age, we need more medical attention. Healthcare coverage is extremely important. While we do not want to overpay for medical coverage, it is important to get the best coverage with the least stress. No one wants to sit on the phone for two hours trying to determine what is covered with their current healthcare policy.

For this reason, it is a wise choice to sit down with an agent that has the knowledge and experience to make your decision easier. While most agents are going to try to sell you on a specific product, there are a few that are looking out for your best interest. Do not hesitate to contact a few agents to see which one is going to help you save money but find a rate that is attractive.

2017 Durham County Medigap and Medicare Supplement Rates

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.

2017 Wake County Medigap and Medicare Supplement Rates

Wake County continues to grow leaps and bounds. Every single year, it is touted as one of the best places to retire, to raise a child or to go to school. In essence, it is a fantastic place to reside in the great state of North Carolina. If you are in Zebulon, Wendell, Knightdale, Garner, Wake Forest, Cary, Holly Springs or Raleigh, it is important to understand there are plenty of options available when it comes to getting the lowest NC medigap and medicare supplement rates.  Most major insurance companies that you know from TV and radio commercials are going to have a presence in Wake County.

Before deciding to go with a name like Blue Cross Blue Shield of North Carolina, remember there are ways to do your research online. Now that Medicare.gov is very advanced, those over 65 or just turning 65 can look on the website to see their current policy options.

For a frame or reference, here are the price ranges for the different policies in Wake 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

With companies such as Aetna, Covernty, Blue Cross Blue Shield of North Carolina, Old Surety, AARP and Cigna available in Wake County there is no reason to feel as if your opportunities are limited. We strongly suggest looking at a number of different options and to remember that just because a price is lower, it does not mean it is the best policy or company for you. Sometimes, customer service is worth the extra $5 a month. You will understand this when you sit on hold for two hours trying to talk with your insurance company.

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 have any questions as it pertains to the lowest possible Medigap rates in the state of North Carolina do not hesitate to comment below as we will be able to help you find what you are looking for. Wake County offers some unique opportunities so do not allow a specific agent or provider to push you into a corner.

2017 Polk County Medigap and Medicare Supplement Rates

Polk County, North Carolina is one of the smaller areas in the state. With small towns like Columbus, Tryon, Mill Spring and Saluda some may think they cannot get the high quality customer service they would get if they were in Asheville, Greenville, South Carolina or Raleigh. That is simply not the case. No matter where you are in North Carolina, insurance companies will cater to you during open enrollment. If you are looking for 2017 low cost medigap rates there are plenty of online resources that can explain just how much you are going to have to pay in 2018 and beyond.

Remember that there are different policies when it comes to medicare and medicare supplements. Just because a policy is the lowest priced does not mean it is the best policy for your current health situation. Some circumstances required different policies and services.

For a frame or reference, here are the price ranges for the different policies in Polk 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

If you are looking for a specific policy from a specific insurance provider, do not hesitate to comment below as we will be able to assist you. We will try to find the company and policy that will work best for you.

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.

As open enrollment comes to a close, you do not want to be scrambling to find the lowest medigap prices for the year. Allow us to help.

2017 Henderson County Medigap and Medicare Supplement Rates

Open enrollment is almost upon us and tens of thousands of Henderson County, North Carolina residents will be looking for a medicare supplement plan. When looking for the lowest medigap rates, they will scour the Internet to see what is available. Those that live in Hendersonville, Mills River, Flat Rock, Fletcher, Saluda and Bat Cave will find that Blue Cross Blue Shield of North Carolina along with many other insurance companies are offering competitive rates for medicap coverage.

As with any major insurance or financial decision, it is very smart to complete due diligence and research. There are way too many great resources available online to go into the medigap or medicare supplement insurance shopping process blind.

For a frame or reference, here are the price ranges for the different policies in Henderson 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

If you live in Henderson County, North Carolina you will find there are a number of insurance companies that can offer a Medicare Supplements policy. During open enrollment, continue to look for options before making your final selection. Also note that just because a policy is the cheapest or lowest priced, it does not mean it is the best for your current health situation.

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 have any questions about finding the best medigap prices in North Carolina do not hesitate to comment below as we will be able to assist you in getting a lower price this year.

What is the Best Over 65 Dental Insurance in North Carolina?

When looking for dental insurance over the age of 65, there are a number of options available in the state of North Carolina. One of the best plans is the Dental Blue for Seniors Plan at Blue Cross Blue Shield of North Carolina. This dental plan will allow you to save money on the more expensive dental procedures. As we age, we end up spending a lot more money at a dentist’s office.

In the earlier stages of life, we spend money at specialists such as a endodontist (root canal), oral surgeon or orthodontist.  We once cared about the whiteness and straightness of our teeth, but as a senior we care about the functionality of our teeth. Possibly we need dentures? Maybe a few teeth need to be pulled because the roots are exposed and it is extremely painful. It could be that most of our teeth have cavities and anything cold is tough to swallow, literally.

The BCBSNC Dental Blue plan will allow you to go to the dentist with a much happier mindset knowing you aren’t going to drop $2000 or $3000 on another issue that has arisen in the last several months. Note that this type of plan does not include all members of your family including children and grandchildren. This type of dental plan is more focused on you. There is a family and individual Dental Blue plan but this is not the senior plan.

When shopping around for the best possible rates it doesn’t hurt to call multiple insurance companies in North Carolina. With open enrollment coming up soon, it would be smart to shop for a dental plan while you are searching for your medicare plan. You will likely find that the insurance company that provides Medicare Part A and Part B also provides some type of dental insurance.

If you are looking for a specific insurance company that provides senior dental health insurance in North Carolina comment below and we will help you find what you are looking for.

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