NC Medicare Expert

NC Medicare Supplement and Medigap Rates

Month: August 2017 (page 2 of 2)

Can I Get Dental Insurance with Blue Cross Blue Shield of NC Medicare?

In 2017, open enrollment is sure to be a hot topic; especially for those that are nearing retirement or are over 65. These individuals have the option to look for a different medicare plan during open enrollment. Along with medicare Part A and Part B a large number of seniors will look for dental insurance. As we age, our teeth become more of a problem. Especially for those of us that have enjoyed a diet filled with salt, sugar and carbonated beverages. If you have been drinking Coca-Cola, Pepsi and Mountain Dew your whole life, you are quickly learning how much it can cost at the dentist’s office.

Instead of paying thousands of dollars for each visit to your local dentist, we suggest looking at dental plans that are available. You will find that Blue Cross and Blue Shield of North Carolina offers a Dental Blue for Seniors dental plan to help you reduce the costs of oral health.

For years, you may have been able to go to the dentist once every six months for a teeth cleaning for less than $150 or $200. That is likely no longer the case if you have had dental implants, crowns, cavities filled or are in need of teeth being pulled. If you have had multiple root canals over the course of your life you are going to find that you pay thousands of dollars for maintenance in your later years.

There is no reason to pay $500 to $1000 every six months for common maintenance. Fortunately, the Dental Blue dental plan should help you save money in your local area. Whether you are in Raleigh, Wilmington, Asheville or Murphy, you will be able to find a dentist in the Dental Blue network. We would strongly suggest looking at some of your options while you are looking at open enrollment medicare rates as well. This will help you save quite a bit of time and money down the road. You will find that BCBSNC even has emergency dentists in the network that can assist you in a time of need.

Comment below if you are looking for a specific dental insurance plan as a senior.

Lowest 2017 North Carolina Medigap Rates

This page will highlight some of the lowest rates we have seen based on counties. Before open enrollment in October 2017 we are going to attempt to go through most North Carolina counties to find rates that are not only attractive, but affordable.

If you are looking for a specific policy in your area, please comment below with the policy and the county in which you reside. We will go above and beyond to help you find the lowest monthly costs for a medigap or medicare supplement policy.

If you are turning 65 before open enrollment in October, let us know now so we can assist you in finding a low rate for your medigap policy in North Carolina.

Wake County

Durham County

Macon County

Cherokee County

Clay County

Graham County

Swain County

Jackson County

Transylvania County

Haywood County

Madison County

Buncombe County

Henderson County

Polk County

2017 Buncombe County Medigap and Medicare Supplement Rates

Most people know of Buncombe County because of Asheville, North Carolina. Also remember that Black Mountain, Weaverville, Biltmore Forest, Montreat and Candler are also towns in Buncombe County. With this being a very popular area to retire, it comes as no surprise that many will be patiently waiting for open enrollment so they can shop for the lowest medicare rates in North Carolina. With the advancements in technology, it is now easier than ever to get a rate quote online.

If you are looking for some estimates when it comes to monthly medigap rates there are great websites that will help you do so. We suggest Medicare.gov.

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

There are many health insurance companies in Buncombe County including Blue Cross Blue Shield of North Carolina, Old Surety, Cigna and Aetna. Shop around and see which offers you the best monthly rate.

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.

Take the time to do your research and complete your due diligence as open enrollment gives you over a month. Do no wait until the last minute in December 2017 as this will only cause you stress. Finding the lowest medigap rates will be very useful in making your financial life much easier.

Old Surety Life Insurance 2017 Medigap Rates in North Carolina

If you are seeking medicare supplement rates anywhere in the state of North Carolina there is a good chance you have seen the name Old Surety Life Insurance. This is an alternative to Blue Cross Blue Shield of North Carolina, Cigna, Aetna and Gerber Life. When shopping for the lowest possible medicare rates always shop in your specific county. Note that prices don’t change all that much based on the county, but they could be different than your friend who lives across the county line.

Below you will find the contact information for Old Surety Life Insurance:

(800) 272-5466
5235 N. Lincoln Blvd., P.O. Box 54407 
Oklahoma City, OK 73154
http://oldsurety.com/ 

Just because the headquarters is in Oklahoma City, Oklahoma it does not mean you can’t find a local representative that can help you determine what plan is right for you. Remember that not every plan will suit your needs. Part A, Part B, Part C and Part D are all different and you may have to shop different insurance companies to see what is provided in your North Carolina county.

If you have any question as it relates to insurance companies or getting the best medigap NC rates do not hesitate to comment below. We will be more than happy to help you find what you are looking for.

Forethought Life Insurance 2017 Medigap Rates in North Carolina

When looking for 2017 medigap rates in the state of North Carolina many seniors will look at Forethought Life Insurance as an option. As an alternative to Blue Cross Blue Shield of North Carolina or CIGNA, Forethought Life offers a number of insurance plans.

You can find the contact information for Forethought here:

(877) 492-5870
One Forethought Center
Batesville, IN 47006
www.forethought.com 

If you have other questions related to this company, do not hesitate to comment below and ask. We know they offer Medigap, Medicare Supplements, Medicare Part A, B, C and D as well as a few other options for retirees and senior citizens.

With there being so much valuable information on the Internet in 2017 there is no reason to go into open enrollment uneducated. The Medicare.gov website is invaluable and every single insurance provider has a website with plenty of information that will assist you in determining the right policy for your needs.

Note that just because you had a specific rate quote in 2016 that you have been paying in 2017, it does not mean you are going to get that same rate again. We all know that premiums have gone up for many people which is the exact reason you need to shop around.

2017 Madison County Medigap and Medicare Supplement Rates

Marshall, Mars Hill, Hot Springs and Wolf Laurel are all towns in Madison County. This is a very fast growing part of North Carolina due to its proximity to Asheville and Buncombe County. There are a large number of residents that are in their retirement years as they are over the age of 65. These individuals will be seeking the best rates for medicare supplement or medigap insurance in their county. Fortunately, there several insurance companies that provide medigap insurance in Madison County in North Carolina.

As with any major purchase, it is a very good decision to look at all options available before making a final decision. Remember, there are different types of medicare plans that will provide you with the benefits you need. Keep these numbers handy when calling or talking to an insurance agent:

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

Take the extra time to look at all options before deciding on Blue Cross Blue Shield or North Carolina, Aetna, Old Surety, Cigna or Sterling Life. There are always a number of great providers in your area so do not feel as if you have to choose a specific one. Even if you have been with one insurance company for several years, it does not mean you cannot change in 2017.

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 still seeking more information when it comes to North Carolina’s lowest medigap rates in 2017 feel free to comment below. We will go above and beyond to help you find the rate quote you are looking for.

2017 Haywood County Medigap and Medicare Supplement Rates

Haywood county towns include Waynesville, Clyde, Maggie Valley, Canton and Cataloochee. This part of North Carolina is well known as a tourist area as it is one of the only places that offers whitewater rafting, fly fishing, snow skiing and mountain biking in the same general area. With so many great outdoor activities available it comes as no surprise that many want to retire to this part of Western North Carolina. Those that are just turning 65 or have recently moved to the area will likely be looking for affordable 2017 medicare supplement rates. It is important to note that medigap rates are different based upon many factors including age and if you are a smoker or non smoker.

Before deciding on an insurance policy it is always a wise decision to shop around.

For a frame or reference, here are the price ranges for the different policies in Haywood 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 insurance company feel free to reach out to us. We will be more than willing to shop around for you. Some of the insurance companies that offer medigap or medicare supplement rates in Haywood County include Sterling Life, Aetna, Blue Cross Blue Shield of North Carolina, Cigna, Surety, State Farm, USAA and Oxford Life. By shopping around at multiple insurance agencies, you will likely be able to get a better price.

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.

Take your time and research several options before pulling the trigger on an insurance company and policy. Even if you can only save $10 or $20 a month, it could go a long way to making your financial life easier. It is not as hard as it once was to find the lowest medigap rates in the state of North Carolina. Allow the Internet to do the work for you.

Insurance Companies Offering Medigap Policies in 2017

There are a number of insurance companies that offer medigap polices in the state of North Carolina in 2017. Here they are:

AARP HealthCare Options (United Healthcare Insurance Company)
Aetna Life Insurance Co
American Continental Insurance Company
American Republic Corp. Ins.
American Republic Insurance Company/United Savers Association
American Retirement Life Insurance
Americo Financial Life & Annuity Insurance Company
Bankers Fidelity Life Insurance Co
Blue Cross Blue Shield of North Carolina
Central States Indemnity Co. of Omaha
CIGNA Health and Life Insurance
Colonial Penn Life Insurance Co (formerly Conseco Direct Life Insurance Co)
Combined Insurance Company of America
Constitution Life Insurance Company
Coventry Health & Life Ins Co
Equitable Life & Casualty Insurance Co
First Health Life and Health Insurance Company
Forethought Life Insurance Company
Gerber Life Insurance Co
Globe Life & Accident Insurance Company
Governmental Personnel Mutual Life Insurance Company
Humana Healthy Living (dba Humana Insurance Company)
Humana Insurance Company
Individual Assurance Company, Life, Health and Accident
Liberty National Life Insurance Co
Loyal American Life Insurance Company
Manhattan Life Insurance Company
Medico Corp Life Insurance Company
Mutual of Omaha Insurance Company
New Era Life Insurance Companies
Old Surety Life Insurance Co
Order of United Commercial Travelers of America
Oxford Life Insurance Company
Physicians Mutual Insurance Co
Reserve National Insurance Company
Sentinel Security Life Insurance Company
Standard Life and Accident Insurance Company
Standard Life and Casualty
State Farm Mutual Auto Insurance Co
State Mutual Insurance Co
Sterling Life Insurance Co
Thrivent Financial for Lutherans
Transamerica Life Insurance Company (formerly PFL Life Insurance Company)
Unified Life Insurance Company
United American Insurance Co
United of Omaha Life Insurance Company
USAA Life Insurance Co
World Insurance Co

Sterling Life Insurance 2017 Medigap Rates in North Carolina

Sterling Life Insurance Company is one of many that offers medigap and medicare supplement insurance in the state of North Carolina. When looking for the best medigap rates most “shoppers” will look at a number of different insurance companies including Sterling Life, Blue Cross Blue Shield of North Carolina, Coventry, Aetna and Cigna. Before making a final decision, it is important to understand the benefits of a plan and what an insurance company is willing to do to make your life easier.

Sterling Life Insurance Company has the following contact information:

(877) 906-0926
P.O. Box 5348
Bellingham, WA 98227
www.sterlingplans.com

While the headquarters are in Bellingham, Washington, it does not mean you cannot find a local representative or agent in the state of North Carolina. With Sterling Life Insurance Company offering medigap or medicare supplement coverage in almost every county in the state of North Carolina it makes sense they would have employees to assist those in the state of North Carolina.

In November of 2015, Sterling Life Insurance Company was acquired by Cigna but is still operating under its current name. You can read about it here.

Always remember, there are options when it comes to finding medigap rates in North Carolina. In 2017, complete your research and find the best policy in your county that will fulfill your needs.

2017 Transylvania County Medigap and Medicare Supplement Rates

Transylvania County is the home of Brevard, Rosman, Pisgah Forest, Cedar Mountain and Sapphire, North Carolina. Although this is not the most populated county in Western North Carolina, it is growing due to its proximity to Asheville and Greenville, South Carolina. There are a large number of retirees and seniors that reside in this part of the state. A large number of them will be looking for the best 2017 NC medigap rates. Rather than in the past, it is now very easy to get a round number when it comes to the possible costs of medicare supplements in Transylvania County.

If you are searching for the lowest possible medigap or medicare supplement rates remember there are different policies that offer benefits and annuals costs. Trying to shop around for the lowest monthly cost is not always the best idea.

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

Some of the insurance companies that provide coverage in Transylvania County include Blue Cross Blue Shield of North Carolina, Aetna, AARP, Americo Financial, CIGNA, Colonial Life, Coventry Health, Equitable Life, Gerber Life, Globe Life, Humana, Mutual of Omaha, Old Surety, Sentinel Security Life and Sterling Life. Note that these are not the only options but some of the more popular insurance companies in Transylvania County.

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.

When seeking the absolute lowest medigap rates in NC in 2017 do your research and due diligence. You will find there are some great resources online that will help you find attractive rates in Transylvania County, NC.

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