Medicare Insurance Plans in North Carolina
Medicare basics in clear terms
Medicare has four parts that work together in different ways.
- Part A covers hospital care
- Part B covers doctor visits and outpatient services
- Part C, known as Medicare Advantage, is offered by private insurers and often bundles medical and drug coverage with extra benefits
- Part D covers prescription drugs.
Security Plus Inc. explains how these parts fit and helps you decide which path matches your care in Charlotte, Lake Norman and across North Carolina.
Original Medicare, Medicare Advantage and Medigap compared
With Original Medicare, many people add a Medicare Supplement, also called Medigap, and a Part D plan for prescriptions. Medicare Advantage combines coverage through a private insurer with set networks and copays. If you prefer the broadest provider access, Medigap may be the better fit. If you want predictable copays and a single ID card, Advantage might be appealing. Our local knowledge helps you compare networks that serve Charlotte, Cornelius, Huntersville, Davidson and Mooresville. For details about timing, see enrollment periods to understand when changes are allowed.
When to enroll and how timing works
Your Initial Enrollment Period begins around your 65th birthday. The Annual Enrollment Period runs in the fall for changes to Medicare Advantage and Part D. Special Enrollment Periods can apply if you delayed Part B due to employer coverage or if you move within North Carolina. We confirm the correct window and assist with applications on Medicare.gov or paper forms.
Choosing a plan with local insight
Plan choice often comes down to your doctors and prescriptions. We verify whether your specialists and hospitals are in network for Medicare Advantage options that serve the Charlotte area, and we compare Medigap premiums across carriers for your age and ZIP code. If you travel frequently or split time between counties, we explain how those patterns influence Advantage networks versus Medigap portability.