Medicare 101 Starter Guide for North Carolina Residents
A simple welcome for North Carolinians turning 65
Starting Medicare can feel like a lot. This Medicare guide North Carolina residents rely on was created to make your first steps clear and stress free. Security Plus Inc., based in Cornelius and serving Charlotte and Lake Norman, explains what to do, when to do it, and how to choose a path that fits your doctors and budget. If you prefer a quick overview of your choices, begin with our
Medicare Insurance Plans summary and come back to this checklist when you are ready.
Medicare basics you can learn in minutes
- Part A covers inpatient hospital services.
- Part B covers doctor visits, outpatient care and durable medical equipment.
- Part C, called Medicare Advantage, is offered by private insurers and often includes medical, drug coverage and extra benefits in one plan.
- Part D covers prescription drugs and is purchased as a standalone plan with Original Medicare or built into many Advantage plans.
Security Plus Inc. helps you compare these routes for Charlotte metro and Lake Norman providers so your care continues smoothly.
New to Medicare checklist for North Carolina
Mark your calendar
Your Initial Enrollment Period is a 7 month window that starts three months before the month you turn 65, includes your birthday month, and continues for three months after. We confirm the exact dates for your situation.
Gather key information
Have your Social Security number, preferred email, list of current medications, the doctors and hospitals you use in Charlotte or near Lake Norman, and any employer or retiree coverage details.
Choose your coverage path
Decide between Original Medicare with a Medicare Supplement plus a Part D drug plan, or a Medicare Advantage plan that bundles coverage. If your doctors sit in strong Advantage networks locally, that may be a fit. If you want broader access, a Supplement might suit you better. For timing details, review
enrollment periods so your decision lines up with deadlines.
Check for financial help
NC residents can apply for Extra Help for drug costs and Medicare Savings Programs if income and assets qualify. We point you to the right North Carolina resources and assist with forms.
Enroll in Parts A and B
You enroll through Social Security online, by phone, or in person. We help you prepare the information you need and confirm your start dates.
Compare plans with your doctors in mind
Bring your medication list and the names of your Charlotte area providers. We check networks and formularies and show total cost expectations, not just premiums.
Get local guidance
A licensed Medicare broker at Security Plus Inc. can walk you through every step at no cost to you.