NC Medicare Expert

NC Medicare Supplement and Medigap Rates

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Raleigh, NC Health Insurance Options for Families

Raleigh, North Carolina is one of the fastest growing cities in the United States. Year in and year out there are publications that list Raleigh as one of the top 5 places to live for families; particularly young families. With so much publicity, it should shock no one that Raleigh is the destination for anyone that was raised in the “ole North State”.

For those that are moving to Raleigh and are self employed, there is a good chance they will search for an insurance agent. Fortunately, finding a Raleigh health insurance agency that will work with you is not challenging. What might be more of a challenge is choosing that one that will not only get you the best rate quote but will provide exemplary customer service.

We strong suggest The Mair Agency which has a headquarters in Cary, North Carolina but has “field agents” that will be more than willing to meet you wherever you so desire. Instead of having to drive to downtown or up to Falls of Neuse Road, you can suggest a location, including your house, and The Mair Agency will send an agent out.

In our experience, The Mair Agency is the best option when it comes to getting a BCBSNC rate quote and receiving an explanation of the coverage. When you move to Raleigh, NC you must recognize there are a number of options when it comes to physicians and hospitals. It is not like most small towns in North Carolina in which there is only a clinic or small hospital. Rex, WakeMed, Duke, UNC and several other small hospitals offer plenty of options when it comes to seeing the doctor.

Before deciding upon a Raleigh, NC health insurance plan, we strongly suggest going over the brochure and making certain you find the right plan. This is why an agent is so valuable. An agent can make certain you do not miss anything when looking over the plan. You may not recognize that certain prescriptions are not covered or there are emergency services that have a high deductible. By contacting an agent at The Mair Agency you do not have to worry about being caught off guard or confused when you go to pay the doctor or physician.

Note that most of these plans do not include orthodontic or cosmetic type surgeries. If you are going to get your wisdom teeth taken out or braces put on, you will likely have to pay money out of pocket. That being said, this is just another reason you should contact a Raleigh health insurance agent today.

Wilmington, NC Health Insurance Agents and Providers

If you are in need of health insurance in the Wilmington, NC area there are a few options available. Remember, finding the right health insurance agent or agency for you can make the process much easier. No one enjoys shopping around for a deal and finding they run into undesirable people. Fortunately, most insurance agents and providers are looking to expand their business so they are going to put their best foot forward in terms of customer service.

By doing a few quick Google searches you will find the following options in terms of Wilmington, NC Health Insurance agents:

  • Schnitzer-Slate Insurance Agency
  • Blue Chip Health Insurance
  • Blue Cross Blue Shield of North Carolina – The Mair Agency
  • James E. Moore Insurance Agency
  • Coastal Insurance Providers
  • Blue Coast Insurance
  • Pinnacle Benefits Group

Before making any final decisions when it comes to your health insurance, remember that when you sign up, it is not something that can easily be switched or changed. This is why it is advisable to find an agent or agency that is willing to take some time to understand your current life position. There is no reason to rush into a decision and sign up for an insurance plan that does not provide you with the coverage you desire.

Whether you are retired and looking for Medicare Part A and B or are a family looking for insurance coverage, there are a number of great options available in the state of North Carolina. Blue Cross Blue Shield of North Carolina has a number of different options throughout the state and in the Wilmington or New Hanover County area. They offer Blue Advantage, Blue Select and Blue Value. Do some research or reach out to the health insurance agents at The Mair Agency if you want to better understand what options are best for you and your family.

What Did President Trump Mean in the State of the Union Address? Healthcare?

If you, like millions of Americans, watched President Trump’s State of the Union Address you likely heard him discuss the “individual mandate”, which, in essence, repeals Obamacare. If you are like so many others, you are probably asking what this means. Does this mean you do not have to get insurance without a penalty? Does it mean Healthcare.gov is basically dead? Is this the repeal and replace of Obamacare?

These are questions that cannot easily be answered by the common American. Instead of trusting on Facebook, Twitter or some news website, we would suggest calling an agent that has decades of experience when it comes to healthcare. The agents at the Mair Agency (BCBSNC) in North Carolina can help you get the answers to all of your questions. This is a much better route than posting on Facebook and asking your “Facebook Friends” what President Trump means by the individual mandate.

Also note that an agent can assist you in choosing the correct healthcare plan for you. Everyone is different and has different needs when it comes to their healthcare. Whether you are a smoker or have a family history of diabetes, there are factors that come into play to help determine which plan will work best for your current condition.

Take the time to call the agents at The Mair Agency today so you can get answers to the questions related to President Trump’s repeal of the individual mandate.

919-238-7065 Phone Number is Calling and Leaving Voicemail – Is It Real or Spam?

There is a possibility that the phone number 919-238-7065 has contacted you in the months of November or December of 2017. This is the phone number of a very reputable health insurance agency – The MAIR Agency. They have been of great assistance to a number of our readers that are looking for information on Medicare supplements, general healthcare insurance information and more. Do not think this is a spam phone calling you. This is an actual person/agent that can assist you with your insurance related questions.

If you have been called by The MAIR Agency, we can vouch that they offer a great service at no cost. You can get information about options with Blue Cross Blue Shield of North Carolina (BCBSNC) moving forward. This includes plans for 2018 and beyond. If you have any questions you can also contact them directly a their website here.

Last Minute Health Insurance Options in NC in December 2017

If you’d like to change your Blue Cross NC Blue Medicare HMO Essential health insurance plan for 2018, you should do so this month so that your coverage can begin on January 1, 2018. If you do not choose a new plan, you will stay with your current plan. Let’s take a closer look at some of the changes to the Blue Cross NC Blue Medicare HMO Essential plan:

The monthly premium will change from $77.60 in 2017 to $56.80 in 2018. However, your monthly premium will increase if you have a higher income or are required to pay a lifetime Part D enrollment penalty. It will be less if you are receiving “Extra Help” with your prescription costs.

Maximum out-of-pocket expenses for 2018 will be $6,700, the same as they were this year. Once you have paid your $6,700 out-of-pocket for Part A and Part B services, you won’t be required to pay anything for covered services the rest of the year.

Since there are changes to the provider and pharmacy network for 2018, it is in your best interest to visit The Mair Agency to and they can help you take a look at the updated provider and pharmacy directory. You should check to see if your primary care physician, specialists, hospital, and pharmacy are in our network for the upcoming year.

There are also some changes to the benefits and costs for medical services such as ambulance services, colorectal cancer screening, emergency care, inpatient mental health care, outpatient mental health care, outpatient surgeries, physician services, and skilled nursing facility care. You can learn about these changes by visiting The Mair Agency as well.

To compare your health insurance options, we encourage you to go to www.medicare.gov and click “Find health & drug plans.” You’ll gain access to information about costs, coverage and quality ratings for a variety of Medicare plans. If you’d like some assistance selecting the right plan, don’t hesitate to contact the MAIR Agency.

Who Marcus Turner from the Mare or MAIR Agency Calling Me?

If you have received a voicemail from Marcus Turner from the MAIR Agency, some may think it is the Mare Agency, you may be wondering who this is and if it is legit. Is this someone that can really help me with my questions related to health insurance during open enrollment? The answer is yes. You can call The MAIR Agency at 919-459-2683 or you can visit their health insurance website here.

Note that open enrollment for individuals ends on December 15th, 2017 and enrollment for Medicare ends on December 7th, 2017. If you are looking for North Carolina medicare information be sure to call Marcus Turner of the MAIR Agency today. He can assist by explaining the difference in Medicare Part A & Part B vs Medicare Advantage (Part C) and Medicare Supplements (Medigap). There is also the Prescription Drug Plan that many people may desire which is Medicare Part D.

This can all be very confusing so it would be wise to allow The MAIR Agency to explain it in laymen’s terms. If you try to read up on all the different plans, coverage maps and costs on the Internet you will likely only confuse yourself more.

Are There Programs to Make Prescription Drugs More Affordable for Seniors?

Prescription drugs are essential to older adults and individuals with disabilities because they help them control chronic conditions, treat temporary conditions, and improve their overall long-term health. Since prescription medications are often very costly, there are programs available to make them more affordable for seniors.

If you have Blue Medicare HMO by BCBSNC, you may qualify for assistance in paying for your prescription drugs. Here’s a brief overview of the programs that may help you out:

“Extra Help” From Medicare

If you are living on a limited income, you may qualify for “Extra Help” to pay for your prescription drug costs. In the event that you qualify, Medicare could pay for up to 75% or more of your drug costs. These drug costs include coinsurance, monthly prescription premiums, and annual deductibles. Since many Medicare beneficiaries are eligible and do not even realize it, you should call one of the following numbers to find out if you qualify:

  • 1-800-MEDICARE
  • The Social Security Office: 1-800-772-1213
  • The North Carolina Medicaid Office

Prescription Cost-Sharing Assistance for Individuals with HIV/AIDs

The AIDS Drug Assistance Program or ADAP is designed to ensure that ADAP-eligible individuals with HIV/AIDS have access to HIV medications that can save their life. In order to be ADAP eligible, you must prove that you are a resident of North Carolina and are living with HIV, have low-income as defined by North Carolina, and meet the uninsured or underinsured status. In addition, Medicare Part D prescriptions that are covered by ADAP qualify for prescription cost-sharing assistance.

If you’d like more information on the eligibility criteria for prescription cost-sharing assistance or would like to enroll in the program, you should call the North Carolina AIDS Drug Assistance Program at 1-877-466-2232 or visit http://epi.publichealth.nc.gov/cd/hiv/adap.html.

Contact The MAIR Agency

For more details on these programs and how you can save money on your prescription drugs, do not hesitate to contact The MAIR Agency today.

Free Local Health Insurance Counseling to Seniors with Blue Medicare HMO BY BCBSNC

The purpose of the State Health Insurance Assistance Program or SHIP is to provide Medicare beneficiaries with enrollment assistance, information, and counseling. SHIP counselors are volunteers who have undergone training and earned special certifications to help anyone with Medicare take full advantage of their benefits.

In North Carolina, the SHIP is called Seniors’ Health Insurance Information Program or SHIIP. It is a state program that’s funded by the federal government and provides individuals with Medicare health insurance counseling at no cost. It also creates and distributes educational materials such as the Medicare Supplement Comparison Guide that can be very useful for Medicare beneficiaries. In addition, SHIIP holds free public events throughout North Carolina to assist Medicare beneficiaries in getting the most out of their benefits.

SHIIP was founded in 1986 by the Department of Insurance in direct response to the growing number of health insurance related concerns for more than one million Medicare beneficiaries in North Carolina. This program provides Medicare beneficiaries with an objective information service and helps them navigate the complexities of the Medicare system.

Since its inception, it has served as a role model for other states and earned two national awards for its “innovative” and “exemplary” service. In 2016, SHIIP was able to save beneficiaries over $44.3 million dollars in North Carolina.

To contact SHIIP, you can call 855-408-1212, email ncshiip@ncdoigov, or visit www.ncshiip.com. Trained SHIIP counselors will be available in all of the 100 counties in North Carolina. In the event that your question or issue is too complex to handle over the phone or email, you can set up an in person appointment with a SHIIP counselor.

Contact The MAIR Agency

If you’d like more information on the SHIIP program and how it can help you make the most out of your Blue Medicare HMO by BCBSNC, you should contact The MAIR Agency today.

When Can I Drop My Medicare Prescription Drug Coverage Completely in NC?

If you live in the state of North Carolina and you would like to drop your Medicare Prescription Drug Coverage (Part D) completely you can do so during the Annual Enrollment Period (AEP). This is from October 15th through December 7th. If this is something you desire to do as you replace Part D with other coverage contact the MAIR Agency today at 919-459-2683 as they have agents that can assist you through the process.

Medicare is very difficult to comprehend. Comparing Part A & Part B to Medicare Advantage and understanding Medicare Supplements is quite confusing. Rather than getting confused and choosing the wrong plan, contact the MAIR Agency today as they can walk you through all options. They will also go above and beyond to explain the differences and similarities of all the plans for 2018, 2019 and beyond.

When Can I Switch from One Medicare Drug Plan to Another Medicare Drug Plan in NC?

If you are looking to switch from one Medicare Drug Plan (Part D) to another Medicare Drug Plan (Part D) you can do so during the Annual Enrollment Period (AEP). This is from October 15th through December 7th. There has been some confusion as to the Obamacare Open Enrollment and the Annual Enrollment Period. If this is confusing to you or you are simply looking to switch or change your Medicare Drug Plan, contact the MAIR Agency today at 919-459-2683. They can assist you with all of your Medicare needs.

Understanding your options when it comes to Medicare Part D and other plans such as Medicare Advantage and Medicare Supplements can be very confusing. For this reason, we strongly suggest contacting the MAIR Agency today as their team can help you with any type of concerns you may have. If you have questions, they are there to help.

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