Burial Insurance & Medicare in Durham, NC
If you live in Durham NC and are looking for help understanding your options around final expense insurance and/or Medicare insurance, our independent insurance agents can help. Because we are independent brokers we work with a number of different companies to help provide you with many different options that will suit your healthcare and budgetary needs. We will help you find the best possible policies for your specific situation. Contact us online or give our agents a call at (919)679-9911 to get a free quote on final expense insurance, burial insurance, and Medicare in Durham, North Carolina.
Burial Insurance in Durham, NC
Did you know that the average funeral in North Carolina costs between $7500 & $10000 dollars? At these costs, it’s no wonder that more people have been looking into final expense insurance. Final expense insurance, or burial insurance, doesn’t require a medical check up and most people can get approved for coverage. The best part is that once you have coverage, your premiums can never go up and can not be canceled so long as you are up to date on your premiums.
Because your funeral expenses are not usually anticipated, they can place a financial strain on your family and loved ones. Unlike with life insurance, burial insurance can pay out in as little to 24-48 hours after you pass away, which means your family or loved ones can have some instant financial relief during a stressful time. At Triangle Life and Health we work with a number of different burial insurance providers so we can make sure to find you the best coverage at an affordable rate. Contact our North Carolina burial insurance agents today and get a quote for peace of mind.
Durham Medicare Options
At the age of 65, individual become eligible for Medicare, which is the federally managed health insurance program in America. Medicare covers a lot of the costs of your doctor visits and other health care needs, but there are always additional costs for services under original Medicare. There are many different Medicare options available to residents of Durham NC and our team of independent Medicare agents can help you choose the policies that are right for you. You qualify for original Medicare if any of the following statements apply to you:
- You are under the age of 65 with approved medical conditions
- You are 65 or older
- You are suffering from ESRD (End-State-Renal-Disease)
Options For Additional Medicare Coverage in Durham, NC
Medicare Part A & Medicare Part B & Original Medicare in Durham
If you are enrolled in Original Medicare, you will always have a portion of your healthcare costs covered. However, there is usually an additional cost for medical services which you must pay out of pocket. Most prescription drugs are also not covered with Medicare Part A + Medicare Part B, but may be covered with Medicare Advantage or Medicare Part D. With Medicare Parts A & B you can visit any doctor you wish, so long as they are accepting new Medicare patients and are enrolled as a Medicare Provider.
Medicare Part A – Covers your hospital visits, nursing facility stays, home healthcare needs, and visits to other medicare facilities.
Medicare Part B – Covers your necessary medical care & supplies as well as preventative medical services such as outpatient care, visits to the doctor, and medical supplies.
Medicare Part C or Medicare Advantage in Durham NC
Medicare Advantage is Medicare coverage that is offered by private companies and replaces your Medicare Part A & Medicare Part B coverage. Medicare Advantage offers benefits such as Private Fee For Service Plans (PFFS) Medical Savings Account Plans For Medicare, Health Maintenance Organizations (PPO), Preferred Provide Organizations (PPO), and Special Needs Plans (SNP). If original Medicare doesn’t provide the coverage you need, it may be worth looking into a Medicare Advantage Plan in Durham.
Medicare Advantage Plans in Durham offer different costs for copays & deductibles and many of them often carry no monthly premium costs. Because we offer a wide variety of plans for a number of different carriers we can help you find a Medicare Advantage Plan in Durham that best suits your budget and your healthcare needs.
Medigap & Medicare Supplements in Durham
Medigap or a Medicare Supplemental Insurance Plan in Durham is an additional insurance policy with a separate monthly premium that you pay to a private insurance company. To be eligible for Medigap you must already have enrolled in Medicare Part A & Medicare Part B. Medigap also only provides coverage for a single individual, which means married couples must enroll in two separate Medicare Supplement Insurance plans to be covered. Medigap plans that are registered after 2006 do not provide prescription drug coverage. Medigap Plans do help you cover the costs of coinsurance, co-pays, and your deductibles. Medicare supplemental insurance plans can not be canceled if you develop chronic health issues and are always renewable.
Medicare Part D Prescription Drug Coverage in Durham
Because original Medicare and Medicare Supplement plans to not offer coverage for prescription drugs, many individuals with monthly prescription drug needs can benefit from Medicare Part D. Medicare Part D can help you cover the monthly cost of your prescriptions and we can help you determine the best plan for your prescription drug coverage needs. Contact an agent at Triangle Life & Health today to find out more about Medicare Part D in Durham, North Carolina.
For Help Understanding Your Burial Insurance & Medicare Coverage in Durham, Contact Triangle Life & Health
At Triangle Life & Health we know that it can be confusing to understand all of the different final expense insurance options & Medicare options available to you. As independent insurance agents, we can help you determine the best final expense insurance and Medicare options that are available for your specific needs and budget. We can provide assistance with all of the different Medicare options including Medicare Advantage, Medicare Prescription Drug & Part D, Medicare Part A + Part B, and Medicare Supplemental Insurance or Medigap. We provide free consultations all over the United States & North Carolina, including, but not limited to the following cities: Durham, Cary, Chapel Hill, Apex, Raleigh, Greensboro, Charlotte, Rocky Mount, Fayetteville, Sanford, Pinehurst, Southern Pines, Asheville, and Wilmington. If you, or someone you know is looking for help finding the right burial insurance plan or Medicare Insurance coverage in Durham, contact us for a free consultation at (919)679-9914