Burial Insurance & Medicare Agent Charlotte NC
Triangle Life and health provides free consultations on final expense insurance, burial insurance, and help understanding your options when it comes to Medicare in Charlotte. Our agents work with individuals all across the greater Charlotte Metropolitan area. Because we work with many different insurance carriers, we are able to help you select the right policies and coverage for your specific needs and budget. Give our agents a call at (919)679-9911 on contact us online today and get your free quote on burial insurance or supplements to Medicare in Charlotte today.
Charlotte Burial Insurance & Final Expense Insurance in Charlotte
The average funeral in North Carolina costs around $7500 dollars, which doesn’t take into account any additional services that you may want at your funeral. Many people try not to think about their own death or the financial strain it can put on their family and loved ones afterwards. Because these expenses are often not anticipated, it can create unnecessary financial problems that could have easily been covered with an affordable final expense insurance policy.
Because we are independent brokers, we work with a variety of burial insurance carriers and can help you select a policy that fits your budget and has the coverage that will give you and your family peace of mind. Unlike life insurance, you can often qualify for burial insurance without requiring a medical check up and your rates are guaranteed not to go up so long as you keep paying your premium. Contact one of our experts today and let us help you find the bust burial & final expense insurance in Charlotte.
We Help You Understand Your Charlotte Medicare Options
When you turn 65 you are eligible for Medicare, which is a federally managed medical insurance program for U.S. Citizens. While Medicare does cover a lot of your doctor visits, hospital stays and other health care needs, it might not cover them in their entirety. Our Medicare insurance agents can help you understand what plans and coverage are best for your healthcare needs and budget. You can qualify for Original Medicare if you fit into any of these categories:
- People under 65 with approved conditions or disabilities
- People who are 65 years old or older
- Individuals who are suffering from ESRD (end stage renal disease), including those who need a kidney transplant or dialysis.
There Are A Variety Of Different Options For Medicare in Charlotte
Charlotte Medicare Part A & Medicare Part B (Original Medicare)
Medicare Part A & Medicare Part B will always cover a portion of your healthcare costs, but there is also always an out-of-pocket cost for each individual. You can also choose to see any doctor or specialist (without a referral) so long as the doctor is enrolled in Medicare and is accepting new Medicare patients in Charlotte. Prescription drugs are generally not covered by Medicare Part A & Medicare Part B in Charlotte, so if you need to have your medication covered, you might want to look into Medicare Part D or a Medicare Advantage Plan.
Medicare Part A – This portion of your Medicare plan covers visits to the hospital, nursing homes, in home health care, and other visits to other medical facilities.
Medicare Part B – This portion of your original medicare will cover preventative and necessary medical care and supplies. This includes outpatient care, doctor visits, medical supplies, and preventative medical services.
Understanding Your Charlotte Medicare Advantage Options (Medicare Part C)
For some individuals, an Original Medicare policy will not provide an adequate amount of coverage. In these cases, it’s worth looking into getting a Medicare Advantage policy. Medicare Advantage is a type of Medicare plan that is managed by private insurance carriers that provide all of your Medicare Part A + Part B coverage. Some of the types of benefits offered through Medicare Advantage include: Special Needs Plans (SNP), Health Maintenance Organizations (HMO), Preferred Provider Organizations (PPO), Private Fee For Service Plans (PFFS) and Medical Savings Account Plans for Medicare.
Many Medicare Advantage in Charlotte plans don’t have a monthly premium and there are also different costs for deductibles and co-pay costs. We offer coverage from a number of different providers, which means that there are more options available to you and it is more likely that we will be able to find a plan that fits your needs and your budget better than an Original Medicare plan.
Medigap in Charlotte
For some customers, a Medigap plan, or Medicare Supplemental Insurance Plan in Charlotte makes more sense than just having an original Medicare Plan. To be eligible for Medigap in Charlotte, you MUST already be covered by Medicare Part A & Medicare Part B. Medigap requires a payment of a separate monthly premium to a private insurance company, in addition to what you are paying for Original Medicare and can only be used by a single individual. A married couple would need to each carry a separate Medigap policy. Your Medicare Supplement Insurance Plan in Charlotte can help you cover the cost of Coinsurance, co-pays and deductibles. Medigap plans, that were registered after 2006 do not coverage prescription drugs. However, your Medicare Supplemental Medigap plan is always renewable, you can not be denied if you develop chronic health issues and your policy can not be canceled so long as you have paid your premium.
Medicare Part D Charlotte NC
Medicare Part D, or Medicare Prescription Drug Coverage can help you cover the costs of prescription drugs. Medicare Part D is a great option for individuals on Medicare Part A + Part B, Medigap or other Medicare policies that do not cover the cost of prescriptions. If you are interested in getting a supplement for prescription drugs on Medicare, or want to learn more about Medicare Part D in Charlotte, contact one of our Medicare Part D agents today!
For Final Expense Insurance & Medicare in Charlotte, Contact Triangle Life & Health
We understand that it can be hard to understand the options available to you with Medicare or coverage for your final expenses. Our insurance agents at Triangle Life and Health can help you determine which burial insurance policies & Medicare options will give you the coverage you need, at a price that fits into your budget. We provide help with all aspects of Medicare including Medicare Part A + Part B, Medigap, Medicare Advantage. as well as Medicare Part D (prescription drug coverage). We work with multiple carriers in Charlotte as well as the rest of NC including: Wilmington, Chapel Hill, Apex, Durham, Raleigh, Asheville, Fayetteville, Southern Pines, Sanford, Greensboro and beyond. If you, or someone you know is looking for help with Medicare or Burial insurance in Charlotte, contact our team online or at (919)679-9914 and get a free quote quickly!