Those who have Original Medicare can have a SC Medicare Supplement coverage to pay some of what Medicare Part A and B doesn't. They are also entitled to enroll in a Part D prescription drug plan of their choice. Medicare supplement plans are available everywhere in the country and they are guaranteed renewable. The premiums vary by state.
These plans are all in one plans that contain parts A, B, & D of Medicare. These plans feature a safeguard against catastrophic out of pocket expense. The out of pocket limit eliminates the need for supplemental coverage so you pay less each month in premium.
And they have some extra benefits Original Medicare doesn't have like Silver Sneakers gym memberships and allowances for over the counter pharmacy supplies. You pay less now and pay copays when you go to the doctor or hospital.
Medicare Advantage Plans have different costs and benefits depending upon what area you live in. You need the help of a licensed agent to compare all the benefits. We can help you.
Medicare supplement, Life, Dental Vision Hearing & Long Term Care Insurance applications can be made anytime of year and you can change any time of year. Medicare Advantage and Part D prescription Plans have some restrictions about when you can change. Generally changes are made during annual enrollment which is October 15th through December 7th. If you are aging into Medicare or Medicare Disability or if you are entitled to a special enrollment period you may be able to change anytime. People with Low Income Subsidies for prescription coverage can apply to change once each month.
Safe Harbor Insurance is a full service Medicare brokerage agency specializing in NC Medicare and SC Medicare plans. We can help you evaluate all your options so you can decide which plan best fits your needs and your budget. We know how to make sure you get any extra benefits you may be eligible for. We can help you with Medicare, Medigap, Medicaid, Dental, Vision, Hearing, Life, Long Term Care and Annuties. And after we help you purchase insurance, we provide prompt personal service for you with whatever you need. Please give us a call today!