The Best Medicare Plans in New Hanover County: Which One is Right for You?
Posted in Uncategorized last updated on April 2, 2025Understanding Medicare in New Hanover County
Choosing the right Medicare plan is essential for seniors in New Hanover County, North Carolina.
As of 2020, New Hanover County had a population of 229,943 residents.
Many are likely eligible for Medicare benefits with such many residents.
Navigating the complexities of Medicare can be challenging and can often feel overwhelming.
That’s where Palmetto Mutual comes in.
We simplify the process, offering personalized guidance to help you make informed decisions about your healthcare coverage.
Medicare Basics: What Are Your Options?
If you’re a senior in New Hanover County, understanding your Medicare options is the first step to choosing the right plan.
Medicare isn’t a one-size-fits-all program—different parts cover different needs.
Let’s break it down in simple terms to see what’s best for you.
Original Medicare (Part A & Part B)
What It Covers:
- Medicare Part A covers hospital stays, skilled nursing care, and home health care.
- Medicare Part B covers doctor visits, outpatient care, lab tests, preventive services, and medical equipment (like wheelchairs or oxygen tanks).
What It Doesn’t Cover:
- Prescription drugs
- Routine dental, vision, or hearing care
- Long-term care (like nursing home stays)
📌 Example: If you visit New Hanover Regional Medical Center for surgery, Part A helps cover your hospital stay.
If you later have follow-up visits with a doctor in Wilmington, Part B helps with those costs.
But there’s a catch: Original Medicare does not cover everything!
This is where additional coverage options come in.
Medicare Supplement (Medigap) Plans
Medigap plans to fill the gaps in Original Medicare.
They help pay for things like:
✅ Deductibles (the amount you pay before Medicare starts paying)
✅ Copayments (fixed costs for doctor visits or hospital stays)
✅ Coinsurance (your share of medical bills)
Why Consider Medigap?
- You can see any doctor that accepts Medicare anywhere in the U.S.
- Predictable costs (you won’t get hit with big surprise bills).
- There is no need for referrals to see specialists.
📌 Example: Margaret, a retiree in Carolina Beach, had surgery and was left with a $1,600 hospital bill after Medicare paid its share.
Her Medigap Plan G covered the rest, saving her thousands.
Palmetto Mutual can help you compare Medigap plans and find the one that best suits your budget and medical needs.
Medicare Advantage (Part C) Plans
Medicare Advantage is a private alternative to Original Medicare.
These plans must cover everything that Medicare Part A & B do, but they also offer extra benefits, like:
✔ Dental, vision, and hearing coverage
✔ Prescription drug coverage
✔ Gym memberships and wellness programs
Most plans work within a network, meaning you’ll need to see doctors that accept your plan.
📌 Example: Richard in Wrightsville Beach joined a Medicare Advantage HMO plan because it included dental coverage and a free gym membership.
He saves money every month by keeping all his benefits in one plan.
Palmetto Mutual specializes in helping seniors in New Hanover County choose the right Medicare Advantage plan based on their doctors, prescriptions, and budget.
Medicare Part D – Prescription Drug Coverage
Medicare Part D is a standalone plan that helps cover the cost of prescription drugs.
Why You Need Part D:
- Without it, you could face high medication costs.
- You may pay a penalty later if you don’t sign up when you’re first eligible.
📌 Example: Susan in Ogden takes three daily prescriptions for high blood pressure and diabetes.
Without Part D, she would pay over $400 a month.
With Part D, her medication costs dropped to $35 per month.
Choosing the Right Medicare Plan
Each type of Medicare plan has its pros and cons.
The best choice depends on your health needs, budget, and doctor preferences.
✅ Want to keep Original Medicare but avoid considerable out-of-pocket costs? Consider a Medigap plan.
✅ Looking for an all-in-one plan with extra benefits? Medicare Advantage may be a better fit.
✅ Taking daily medications? Make sure you have Part D coverage.
💡 Need help deciding?
Palmetto Mutual can guide you through the process and make Medicare simple.
Instead of struggling with websites like Medicare.gov, let our Wilmington, Carolina Beach, and Castle Hayne experts walk you through your best options—at no cost!
📞 Call Palmetto Mutual today to get personalized Medicare help from a local expert.
Top Medicare Insurance Providers in New Hanover County
When choosing a Medicare plan in New Hanover County, you have several reliable carriers to consider.
Each one offers different benefits, networks, and coverage options.
Let’s explore some of the top Medicare insurance providers available to seniors in Wilmington, Carolina Beach, Kure Beach, and surrounding areas.
Popular Medicare Providers in New Hanover County
1. UnitedHealthcare
UnitedHealthcare is one of the largest Medicare providers in the U.S. It offers Medicare Advantage and Medicare Supplement (Medigap) plans.
Their network is vast, so you’ll have plenty of doctors and hospitals to choose from.
They also offer extra benefits like dental, vision, and hearing coverage.
📌 Example: John in Wilmington chose a UnitedHealthcare Medicare Advantage plan for its low premium and extra benefits like a free gym membership and prescription drug coverage.
2. Aetna
Aetna offers a wide range of Medicare Advantage plans, including free monthly premiums and added benefits like over-the-counter allowances for healthy foods and medications.
They’re known for customer satisfaction and their strong network of healthcare providers in the county.
📌 Example: Linda in Carolina Beach found that Aetna’s $0 premium Medicare Advantage plan was a perfect fit for her.
She gets her medications covered and has extra funds for vitamins.
3. Humana
Humana is another popular Medicare provider in New Hanover County.
They offer both Medicare Advantage and Part D plans, and many of their plans include added benefits like vision care, dental, and hearing aids.
Humana also has top-rated customer service, making it easy to get help when needed.
📌 Example: Mark in Kure Beach switched to Humana’s Medicare Advantage plan for its extra hearing coverage and excellent support when he needed help with billing questions.
4. WellCare
WellCare offers affordable Medicare Advantage and Part D plans with extra benefits like health and wellness programs.
Their plans often come with low premiums and are ideal for those on a budget. They also offer vision and dental coverage in many plans.
📌 Example: Sarah, a retiree in Ogden, found that WellCare’s Medicare Advantage plan offered the best value with low copayments and good coverage for her prescription medications.
5. Cigna
Cigna provides a range of Medicare Advantage plans, including $0 premiums and additional benefits such as dental, vision, hearing aids, and wellness programs.
They also offer strong customer service and an extensive network of doctors in New Hanover County.
📌 Example: Dave, a senior in Wilmington, switched to Cigna’s Medicare Advantage plan because of its excellent coverage for his chronic conditions and added perks like free transportation to doctor visits.
Why Palmetto Mutual Partners with These Providers
At Palmetto Mutual, we work with the top-rated Medicare insurance providers to help you find the best coverage for your needs.
By partnering with providers like UnitedHealthcare, Aetna, Humana, and Cigna, we guarantee access to a wide range of plan options tailored to your budget and healthcare needs.
Here’s why Palmetto Mutual partners with these trusted carriers:
1. A Variety of Options
We know that every senior’s needs are different. We partner with multiple providers, offering Medicare Advantage and Medigap (Supplement) plans.
This gives you various plans based on your health, budget, and preferences.
2. Extra Benefits
These providers offer a variety of extra benefits that can save you money and improve your quality of life.
For example, some plans include free gym memberships, dental coverage, vision care, and even over-the-counter allowances.
Palmetto Mutual makes it easy to navigate these options and find the best plan for you.
3. Local Expertise
By partnering with top carriers, we can provide personalized recommendations tailored to New Hanover County.
Whether you live in Wilmington, Carolina Beach, or Kure Beach, our team understands the local healthcare providers and can help you choose the best plan for your needs.
4. Simplified Process
Medicare can be overwhelming, especially when you’re trying to compare plans, premiums, and coverage.
At Palmetto Mutual, we simplify the process by explaining all your options in plain language and helping you navigate the decision-making process—without the headache of Medicare.gov.
Let Palmetto Mutual Help You Choose the Right Plan
Choosing the right Medicare plan doesn’t have to be stressful.
By working with trusted providers like UnitedHealthcare, Aetna, Humana, and Cigna, Palmetto Mutual helps seniors in New Hanover County get the coverage they deserve.
📞 Call Palmetto Mutual today to schedule a free consultation with one of our local Medicare experts.
We’ll help you understand all your options and find the right plan for you—at no cost.
Medicare Supplement (Medigap) Plans in New Hanover County
If you have Original Medicare (Parts A and B), you may have noticed that it doesn’t cover everything.
That’s where Medicare Supplement (Medigap) plans come in.
These plans help fill the gaps in Original Medicare by covering costs like deductibles, copayments, and coinsurance that you would otherwise have to pay out of pocket.
Let’s dive into how Medigap plans work, which ones are popular here in New Hanover County, and why Palmetto Mutual is your best option for enrollment.
How Medigap Works with Original Medicare
Medigap is designed to work alongside Original Medicare, which means you must be enrolled in Medicare Parts A and B before you can buy a Medigap plan. Here’s how it works:
- Original Medicare pays first: Medicare Part A or Part B will pay its share of the costs when you receive medical care.
- Medigap pays second: Your Medigap plan helps cover the remaining costs after Medicare pays. This could include hospital deductibles, doctor visit copayments, and coinsurance for outpatient services.
- You only pay a small amount: With Medigap, you’ll have fewer out-of-pocket costs and more predictable medical expenses.
📌 Example: If you’re admitted to the hospital in Wilmington, Medicare Part A will pay for most of your stay, but you may still have to pay a deductible (over $1,500).
If you have Medigap Plan G, it will cover that deductible, so you won’t have to pay it out of pocket.
Which Medigap Plans Are Most Popular in New Hanover County?
There are several Medigap plans, but some are more popular than others in New Hanover County.
The most commonly selected plans are Plan G and Plan N.
Plan G
Plan G is often considered the best value for most seniors because it covers almost everything Medicare doesn’t cover, including:
- Part A coinsurance and hospital costs
- Part B coinsurance
- Blood transfusions
- Skilled nursing facility care coinsurance
- Part A hospice care coinsurance or copayment.
- Part B excess charges (if your doctor charges more than Medicare will pay)
📌 Example: Carol, a senior in Carolina Beach, chose Plan G because it covered everything except for her Part B deductible, which she pays once a year.
She loves that she doesn’t have to worry about surprise medical bills.
Plan N
Plan N is another popular option, especially for those who want to save a little on their premiums.
It covers the same benefits as Plan G, but with a few exceptions:
- You’ll pay a small copayment for doctor visits and emergency room visits.
- You won’t be covered for Part B excess charges (which is only a concern if you see a doctor who charges more than Medicare’s approved amount).
Plan N can be a good choice if you’re healthy and don’t mind paying small copayments for doctor visits.
📌 Example: Tom in Kure Beach selected Plan N because he only visits the doctor twice a year and wanted to save on his monthly premium.
His copayments are low, and he’s happy with his choice.
Where to Enroll in Medigap Plans in New Hanover County
Enrolling in a Medigap plan doesn’t have to be confusing.
Forget the hassle of navigating Medicare.gov and figuring out which plan is best for you.
Instead, let Palmetto Mutual handle everything for you.
Here’s how we simplify the process:
- We will walk you through your options. We’ll explain how each Medigap plan works and what’s included. We’ll also help you compare Plan G, Plan N, and other options to find the one that fits your budget and health needs.
- We handle all the paperwork: There is no need to deal with government websites or endless forms. We make the enrollment process quick and easy, and we’ll take care of all the details.
- We provide ongoing support: Once enrolled, we’re here for you. Whether you have questions about your plan or need help making changes, Palmetto Mutual is your local partner.
We’re here to make your Medigap decision more manageable and help you get the best coverage for your needs.
Medicare Advantage Plans in New Hanover County
You have several Medicare Advantage (Part C) plan options in New Hanover County.
Private insurance companies offer these plans and combine all the benefits of Original Medicare (Parts A and B) with added extras like vision, dental, and gym memberships.
Let’s explore the top Medicare Advantage plans in New Hanover County, the extra benefits they offer, and how to pick the best plan for you with the help of Palmetto Mutual.
Which Providers Offer Medicare Advantage in New Hanover County?
Many well-known providers offer Medicare Advantage plans in New Hanover County, including:
- UnitedHealthcare
- Aetna
- Humana
- WellCare
- Cigna
Each provider offers different Medicare Advantage plans with varying premiums, coverage, and extra benefits.
These plans must cover everything Original Medicare covers, but many also include additional coverage for things like dental, vision, and hearing, as well as prescription drug coverage (Part D).
📌 Example: Wilmington residents often choose UnitedHealthcare for their Medicare Advantage plans because of the vast network of doctors and extra benefits like free gym memberships and dental care.
Extra Benefits: Vision, Dental, OTC Benefits, Gym Memberships
One of the best things about Medicare Advantage plans is their extra benefits. These benefits can help improve your health and quality of life, including:
- Vision: Many plans offer eye exams, glasses, or contact coverage.
- Dental: Coverage can include cleanings, fillings, and even dentures.
- Over-the-counter (OTC) Benefits: Some plans offer a monthly allowance for purchasing OTC items like vitamins, first aid supplies, and medications.
- Gym Memberships: Many Medicare Advantage plans offer free or discounted gym memberships so you can stay active and healthy.
📌 Example: Susan, a retiree in Carolina Beach, enrolled in a Humana Medicare Advantage plan that includes vision coverage, dental cleanings, and a monthly OTC allowance.
She’s thrilled with the extra benefits she gets, all with a $0 monthly premium.
Understanding Networks: HMOs vs. PPOs
When choosing a Medicare Advantage plan, it’s essential to understand the type of network the plan uses.
Most Medicare Advantage plans are HMO (Health Maintenance Organization) or PPO (Preferred Provider Organization).
HMO (Health Maintenance Organization) Plans
- You must use network providers: In an HMO, you must see doctors and specialists in your plan’s network.
- Referral required: You may need a referral from your primary care doctor to see a specialist.
- Lower premiums: HMO plans tend to have lower monthly premiums but offer less flexibility in choosing providers.
PPO (Preferred Provider Organization) Plans
- More flexibility: PPO plans offer more freedom to see any doctor, even those outside the plan’s network.
- Higher premiums: PPO plans generally have higher premiums but give you more doctor options and fewer restrictions.
- No referrals: You don’t need a referral to see a specialist with most PPO plans.
📌 Example: Tom, a senior in Wrightsville Beach, chose a PPO plan because he likes to see doctors who aren’t always in-network.
His plan allows him to see specialists without needing a referral.
Avoiding Common Mistakes: Why Choosing the Wrong Plan Can Limit Doctor Choices
One of the most common mistakes seniors make when selecting a Medicare Advantage plan is not fully understanding how the plan’s network works.
Here’s why it’s so important:
- If you choose an HMO plan and later want to see a doctor who’s out of network, you may have to pay full price for the visit or be unable to see that doctor.
- With a PPO plan, you’ll have more freedom to choose your doctors but remember that you’ll likely pay higher premiums.
Choosing the wrong plan can severely limit your options for care and lead to higher out-of-pocket costs if you end up seeing doctors who aren’t in your plan’s network.
📌 Example: Maggie, a senior in Kure Beach, chose a plan without checking if her favorite doctor was included in the network.
She later realized that she couldn’t see that doctor without paying more.
Contact Palmetto Mutual for Guidance in Picking the Right Plan
At Palmetto Mutual, we make choosing the right Medicare Advantage plan simple and easy.
Instead of navigating confusing government websites or figuring out which plan is best for you, let our local experts guide you every step of the way.
Here’s how Palmetto Mutual can help:
- We’ll explain all your options: Whether it’s an HMO or PPO, we’ll walk you through the pros and cons of each plan type.
- We’ll compare benefits: We’ll help you compare Medicare Advantage plans based on premiums, extra benefits, and doctor availability.
- We handle the paperwork: No more dealing with Medicare.gov or filling out complicated forms. We make enrollment easy and hassle-free.
- Ongoing support: After you enroll, we’re here to answer your questions and ensure your plan meets your needs.
📞 Call Palmetto Mutual today to get personalized guidance from our local experts in New Hanover County.
We’ll help you find the best Medicare Advantage plan, ensuring you get the coverage and benefits you deserve.
Top Hospitals & Medical Providers That Accept Medicare in New Hanover County
When selecting a Medicare plan in New Hanover County, one of the most important factors is whether your doctors and hospitals are included in your plan’s network.
Some of the most prominent healthcare providers and hospitals accept Medicare in Wilmington, Carolina Beach, and surrounding areas.
Still, ensuring that your plan works with these hospitals and medical providers is essential.
Let’s explore the top hospitals and providers in New Hanover County and why choosing the right Medicare plan that includes them in its network is so crucial.
New Hanover Regional Medical Center (NHRMC) – Major Hospital in Wilmington
New Hanover Regional Medical Center (NHRMC) is the largest and one of the most well-known hospitals in Wilmington, offering a wide range of services, including emergency care, surgeries, cancer treatments, and maternity services.
As a Medicare-certified facility, NHRMC accepts Original Medicare and most Medicare Advantage plans.
Why NHRMC is Popular for Seniors:
- Comprehensive Care: NHRMC offers specialized care, including cardiology, orthopedics, and neurology, which many seniors in New Hanover County rely on.
- Accessibility: The hospital is located centrally in Wilmington, making it easy for residents to access various medical services.
- High-Quality Services: Known for its high-quality care, NHRMC is consistently rated highly by patients, making it a popular choice among Medicare beneficiaries.
📌 Example: John, a senior in Wilmington, chose a Medicare Advantage plan because it included NHRMC in its network, ensuring he could continue receiving care from his trusted doctors there.
Novant Health and Wilmington Health – Key Providers
Novant Health and Wilmington Health are other primary healthcare providers in New Hanover County that accept Medicare.
These providers have a vast network of primary care doctors, specialists, and urgent care centers.
Novant Health
- Medicare Advantage Plans Accepted: Novant Health accepts many Medicare Advantage plans and provides services such as routine checkups, preventive care, and specialized medical treatments.
- Extensive Access: With multiple locations across Wilmington, Carolina Beach, and Kure Beach, Novant Health provides seniors in New Hanover County with convenient, high-quality healthcare services.
Wilmington Health
- Comprehensive Services: Wilmington Health offers various services, from primary care to specialty care, including oncology, dermatology, and cardiology.
- Accepts Medicare: Like Novant Health, Wilmington Health accepts many Medicare plans and provides affordable care for community seniors.
📌 Example: Margaret, a senior living in Carolina Beach, chose Wilmington Health because it has multiple locations and accepts her Medicare Advantage plan. This makes it easy for her to see her primary care physician and specialists without worrying about high out-of-pocket costs.
Why Networks Matter – Not All Plans Work at Every Hospital
One of seniors’ biggest mistakes when choosing a Medicare Advantage plan is assuming all plans will work at their preferred hospitals or with their favorite doctors.
That’s not always the case.
- HMO Plans: Health Maintenance Organization (HMO) plans typically require using in-network hospitals and doctors. If you want to see a specialist or visit a certain hospital, you may need a referral, and the provider must be part of your plan’s network.
- PPO Plans: Preferred Provider Organization (PPO) plans offer more flexibility and let you see out-of-network doctors. Still, you’ll usually pay higher copayments and premiums when you leave the network.
It’s crucial to check that your Medicare plan includes your preferred hospitals and medical providers in their network to avoid unexpected medical bills.
Some plans may not involve New Hanover Regional Medical Center or Novant Health in their networks, leaving you with fewer options for care.
Call Palmetto Mutual to Confirm Your Doctor is Covered Under Your Plan
Choosing the right Medicare plan that works with your doctor and hospital network is essential to getting the care you need without unnecessary costs.
At Palmetto Mutual, we simplify the process by helping you select a Medicare Advantage or Medigap plan that includes your preferred hospitals and doctors in the network.
Here’s how Palmetto Mutual can help:
- We check your doctor’s participation: We’ll help you determine whether your doctor or hospital accepts your chosen Medicare plan.
- We guide you through the plan options. Whether you need a PPO or HMO plan, we’ll help you understand how each plan works and which best fits your needs.
- We simplify the process. You won’t need to struggle with online research or confusing government websites.
📞 Call Palmetto Mutual today to speak with a local expert who can help you choose a Medicare plan that includes your doctor and the top hospitals in New Hanover County.
Prescription Drug Plans (Medicare Part D) in New Hanover County
Choosing the right Medicare Part D plan for prescription drug coverage is crucial to your healthcare.
With so many options available, finding a plan that suits your medical needs and budget is essential.
In New Hanover County, CVS, Walgreens, Walmart, and numerous independent pharmacies partner with Medicare plans, making it easy for you to fill your prescriptions quickly.
Let’s explain why Part D matters, how to pick the right plan, and how Palmetto Mutual can help.
Why Choosing the Right Part D Plan is Crucial
Medicare Part D covers prescription drugs, but not all Part D plans are created equal.
Your prescriptions can vary in cost depending on your chosen plan, so selecting the right one is crucial to keeping your healthcare affordable.
Here’s why Part D matters:
- Costs Vary: Part D plans have different premiums, deductibles, and copayments. Choosing a plan that covers your medications at the lowest price is essential to avoid surprise bills.
- Drug Coverage: Each Part D plan has a formulary—a list of medications it covers. If your prescription isn’t on the formulary, it could be much more expensive or not covered.
- Prescription Access: If you need specialty medications or drugs for chronic conditions, your chosen plan must include your medications in its formulary.
You want a plan that gives you easy access to the medicines you need without restrictions or extra costs.
📌 Example: Carol, a senior from Wrightsville Beach, was paying high out-of-pocket costs for her diabetes medication.
After reviewing her options with Palmetto Mutual, she switched to a Medicare Part D plan that covered her medications at a much lower price.
Local Pharmacies That Work with Medicare Plans
In New Hanover County, you can fill your prescriptions at many local pharmacies that work with Medicare plans, including CVS, Walgreens, Walmart, and several independent pharmacies.
It’s essential to check if your preferred pharmacy is in-network for your chosen plan.
Pharmacies to Consider:
- CVS: CVS is one of the largest pharmacy chains in the area and works with most Medicare Part D plans. It offers convenient locations in Wilmington and surrounding areas, and it offers online ordering and automatic refills.
- Walgreens: Walgreens also partners with most Medicare Part D plans, offering easy medication access at several locations throughout New Hanover County.
- Walmart: Walmart pharmacies accept Medicare Part D plans and are known for offering low-cost generic medications. They also provide home delivery for added convenience.
- Independent Pharmacies: Many independent pharmacies in Wilmington, Carolina Beach, and other parts of the county also accept Medicare Part D and can offer personalized service. These pharmacies can be an excellent choice for those who prefer a more community-oriented option.
📌 Example: Tom from Carolina Beach uses Walmart pharmacy because it’s close to home and accepts his Medicare Part D plan, saving him money on his prescriptions.
Formulary Confusion? Skip It and Let Palmetto Mutual Help You Find the Best Plan for Your Prescriptions
One of the most confusing parts of choosing a Medicare Part D plan is understanding formulary lists.
A formulary is simply a list of prescription drugs a plan covers, but these lists can vary significantly between plans.
Formulary confusion often arises because:
- Plans change formularies every year, which means your medication might not be covered next year, or it may be covered at a higher cost.
- Some plans may place your medications in different tiers, affecting out-of-pocket costs.
- Finding a plan that covers specialty medications can be especially tricky if you’re taking specialty medications.
But don’t worry! Let Palmetto Mutual handle the details.
We’ll work with you to find the best Medicare Part D plan that covers your prescriptions and fits your budget. We will:
- Compare plans: We’ll help you compare different Part D plans to find the one that gives you the best medication coverage.
- Check formularies: We’ll cover your prescriptions at the lowest cost possible.
- Help you switch plans: If your current plan doesn’t work, we can guide you to a better option.
📞 Call Palmetto Mutual today to speak with a local Medicare expert. We’ll make sure your prescriptions are covered so you can avoid overpaying for your medications.
Why Call Palmetto Mutual?
Choosing the right Part D plan doesn’t have to be stressful. At Palmetto Mutual, we specialize in making the process easy and transparent.
Here’s what we do for you:
- Explain all your options: We’ll walk you through different Part D plans and help you pick the one that best covers your prescriptions.
- Avoid confusion: Forget about trying to decipher formulary lists on your own. We’ll handle all of that for you.
- Get personalized advice: Whether you use CVS, Walmart, or an independent pharmacy, we’ll ensure your plan is compatible with your preferred pharmacy.
Choosing the right Medicare Part D plan for your prescriptions can save money and give you peace of mind. Call Palmetto Mutual today for expert guidance!
How & When to Enroll in Medicare in New Hanover County
As you approach age 65 or become eligible for Medicare, understanding when and how to enroll is crucial to securing the coverage you need while avoiding unnecessary costs.
Navigating Medicare enrollment can feel overwhelming, but the process can be smooth and straightforward with the proper guidance.
In New Hanover County, we’ll help you understand the key enrollment periods, the common mistakes to avoid, and how Palmetto Mutual can make it easy.
Turning 65? When and How to Sign Up
Turning 65 is the most common time for seniors to become eligible for Medicare.
If you’re turning 65 and are planning to sign up, here’s what you need to know:
Initial Enrollment Period (IEP):
Your Initial Enrollment Period starts three months before your 65th birthday month, includes your birthday month, and continues for three months after your birthday month.
This gives you a seven-month window to sign up for Medicare.
Example: If your birthday is in June, your Initial Enrollment Period would start March 1 and end September 30.
How to Enroll:
You can sign up for Medicare online at Medicare.gov, by calling the Social Security Administration, or in person at a Social Security office.
However, this can be unclear for many, especially with all the available options, like Medicare Advantage, Medigap, and Part D plans.
That’s where Palmetto Mutual can help!
We’ll guide you through enrollment, ensuring you pick the right plan for your needs.
Annual Enrollment Periods (AEP) & Special Enrollment Periods (SEPs)
Once you’re enrolled in Medicare, there are specific times during the year when you can change your coverage.
1. Annual Enrollment Period (AEP)
The AEP occurs every year from October 15 to December 7. This is the time when you can:
- Switch from Original Medicare to a Medicare Advantage plan (Part C).
- Change your Medicare Advantage plan (switch to a different plan or return to Original Medicare).
- Enroll in or switch your Part D prescription drug coverage.
Any changes you make during AEP will take effect on January 1 of the following year.
📌 Example: Tom, a senior in Wilmington, was on Original Medicare but decided to switch to a Medicare Advantage plan during AEP because it offered additional benefits like dental and vision coverage.
2. Special Enrollment Periods (SEPs)
You may qualify for a Special Enrollment Period (SEP) if:
- You move to a new location (like moving from one part of New Hanover County to another or out of the county).
- You lose employer-based coverage or Medicaid.
- You qualify for specific life changes like losing coverage or moving into a long-term care facility.
SEPs allow you to enroll in or change your Medicare plan outside of the standard Initial Enrollment Period or AEP without facing late enrollment penalties.
📌 Example: Sue, who lives in Carolina Beach, had employer-based insurance until she retired.
When her employer-based coverage ended, she used a Special Enrollment Period to enroll in Medicare without penalty.
Mistakes to Avoid – Late Enrollment Penalties, Missing Deadlines
Regarding Medicare, it’s crucial to follow the deadlines carefully.
Missing your Initial Enrollment Period, AEP, or SEP can result in late enrollment penalties, which can add up over time.
Common Mistakes to Avoid:
1. Missing Your Initial Enrollment Period:
If you don’t sign up for Medicare when you’re first eligible, you may face a late enrollment penalty that could permanently increase your monthly premiums for Part B (medical insurance) and Part D (prescription drug coverage).
2. Not Signing Up for Part D:
If you don’t enroll in Part D (prescription drug coverage) when you first become eligible and don’t have other drug coverage, you may face a penalty if you enroll later.
3. Not Reviewing Plans During AEP:
Reviewing your Medicare Advantage and Part D plans during AEP every year is essential.
Plans can change their benefits and premiums, so it is wise to check you’re still in the best plan for your needs.
Palmetto Mutual Makes Enrollment Easy – No Need to Struggle with Medicare.gov!
At Palmetto Mutual, we take the stress out of Medicare enrollment. Here’s how we can help:
1. We walk you through the process: Instead of struggling with Medicare.gov, we explain each step clearly and help you choose between Original Medicare, Medicare Advantage, and Medigap plans.
2. We help you avoid penalties: We make sure you enroll at the right time, avoid late enrollment penalties, and get the coverage you need when needed.
3. We simplify AEP and SEPs: We’ll advise when to review or change your coverage and assist you with any Special Enrollment Periods.
4. Personalized service: Our team at Palmetto Mutual is here for you every step, providing personalized assistance based on your unique needs in New Hanover County.
📞 Call Palmetto Mutual today to get expert guidance on Medicare enrollment.
We’ll help you make the right decisions and get the coverage you deserve—without the confusion of Medicare.gov.
Avoiding Medicare Scams & Common Pitfalls
As a senior in New Hanover County, you may be excited about signing up for Medicare or switching to a new plan, but staying alert to scams and high-pressure sales tactics can lead to confusion or financial loss.
Unfortunately, many scammers target seniors because they know you may not be familiar with the complex world of Medicare.
Let’s explore how you can protect yourself from scams and common pitfalls.
Beware of High-Pressure Sales Tactics – How Scammers Trick Seniors
Scammers often use high-pressure sales tactics to trick seniors into making hasty decisions about their Medicare coverage.
These scams can come in many forms, including phone calls, unsolicited emails, or even door-to-door visits. Here’s how you can spot these tactics:
1. Urgency and Fear Tactics: Scammers may tell you to decide immediately, or you’ll lose out on a special offer or risk missing a vital enrollment period.
They’ll use phrases like “This is your last chance” or “Act now before it’s too late.”
2. Promises of Free Services: Some scammers offer “free” services or gifts if you sign up for a Medicare plan through them.
While some legitimate insurance agents may provide incentives, anything that seems too good to be true should raise a red flag.
3. Requesting Personal Information: Scammers may ask for your Medicare number, bank account information, or Social Security number under the guise of helping you enroll in Medicare or get a better plan.
Legitimate agencies do not ask for this information over the phone or by email.
What to do:
- Don’t share personal information with unsolicited callers or door-to-door visitors.
- Never feel pressured to decide on the spot—take your time to research and consult with trusted experts.
Medicare Phone Scams – What to Watch Out For
Phone scams are among the most common ways scammers trick seniors into revealing personal information.
Here are some red flags to watch out for:
1. Calls Claiming to Be from Medicare: Scammers often pretend to be from Medicare and ask for your personal information, including your Medicare number or bank details.
Medicare will never call you unsolicited to ask for this information.
2. Offering “Special Deals” or “Discounts”: If someone calls offering you “discounted” or “free” Medicare plans, especially if they want you to act quickly, it’s likely a scam.
These callers may even try to pressure you to sign up immediately.
3. Caller ID Spoofing: Scammers may use caller ID spoofing to make it look like the call is coming from a legitimate number, like Medicare or a trusted insurance company.
Don’t assume the call is legitimate based on the caller ID alone.
What to do:
- Hang up immediately if you receive a suspicious call.
- Call Medicare or your insurance company directly using their official phone number (found on their website) to verify any claims made by the caller.
- Consider blocking suspicious numbers that repeatedly call.
Why Working with a Trusted Local Agency Like Palmetto Mutual Protects You
At Palmetto Mutual, we take your security seriously.
As a trusted agency in New Hanover County, we offer several protections to help you avoid Medicare scams and make informed decisions about your coverage.
1. Personalized, Local Service: We’re right here in your community, which means we know the local Medicare landscape and can help you navigate your options with care.
We don’t use high-pressure sales tactics. Our goal is to educate you while providing the best plan for your needs.
2. Expert Guidance: Unlike cold callers or strangers at your door, Palmetto Mutual provides honest, professional advice.
We’ll help you compare Medicare Advantage, Medigap, and Part D plans so you can make a decision based on your needs, not a sales pitch.
3. No Unsolicited Contact: We don’t engage in unsolicited phone calls or door-to-door visits.
Our communication is always transparent, and when you contact us, you know you’re speaking with a real, trusted local agency.
4. We Protect Your Information: When you work with us, you can trust that your personal information is safe.
We will never ask for sensitive information over the phone or through unsolicited emails. Your security is our priority.
5. Ongoing Support: Once you’re enrolled, we’re still here to help.
We’ll answer any questions, assist with claims, and help with plan changes during Annual Enrollment Periods (AEP) or Special Enrollment Periods (SEPs).
Protect Yourself with Palmetto Mutual
By working with Palmetto Mutual, you avoid the risk of falling for scams.
We offer honest, no-pressure service and guide you through your Medicare options, ensuring you understand your choices and find the right plan.
📞 Call Palmetto Mutual today for expert, local guidance on your Medicare options.
Approaching age 65 or becoming eligible for Medicare? Knowing when and how to enroll is key to getting the right coverage and avoiding unnecessary expenses.
Palmetto Mutual protects you from scams and high-pressure sales tactics while ensuring you get the Medicare coverage you deserve.
Let us simplify the process and help you avoid common pitfalls!
Get Personalized Medicare Help in New Hanover County
Medicare can be confusing, and choosing the right plan can feel overwhelming.
But why struggle with Medicare alone when you have an expert team in New Hanover County?
At Palmetto Mutual, we make Medicare simple by doing all the hard work for you, ensuring you get the coverage you need without the confusion.
Why Struggle with Medicare Alone? Palmetto Mutual Does All the Hard Work
Choosing the right Medicare plan doesn’t have to be stressful.
There are many options—Medicare Advantage, Medigap, and Part D prescription drug plans—each with different benefits, costs, and coverage.
Knowing the best fit for your health, budget, and lifestyle can be difficult. That’s where Palmetto Mutual comes in.
We’ll take the time to:
- Listen to your specific healthcare needs.
- Explain your options in simple, easy-to-understand terms.
- It helps you compare plans to find the best coverage for your medications, doctors, and budget.
- Complete all paperwork on your behalf so you don’t have to navigate confusing websites or fill out forms independently.
With Palmetto Mutual, you’ll have the support you need every step of the way, ensuring you get the best Medicare plan without any stress.
Schedule a Free Consultation Today!
Ready to get started?
Don’t wait!
Call us today to schedule your free consultation.
We’ll sit down with you, answer all your questions, and help you find the perfect Medicare plan based on your needs.
📞 Call Palmetto Mutual to schedule your free consultation today, or fill out our contact form on our website, and we’ll contact you!
Local Expertise – We Know New Hanover County’s Hospitals, Doctors, and Plans Better Than a National Call Center
When you work with Palmetto Mutual, you get a local expert who understands the unique needs of seniors in New Hanover County.
Unlike national call centers, we know the local hospitals, doctors, and Medicare Advantage plans available to you.
Whether you’re looking for coverage at New Hanover Regional Medical Center, Novant Health, or Wilmington Health, we’ll help you find the plan that gives you access to the care you need right here in Wilmington, Carolina Beach, and surrounding areas.
We’re familiar with the ins and outs of New Hanover County’s healthcare network, and we’ll use that local knowledge to your advantage.
Whether you’re dealing with a chronic condition or need preventive care, we know which plans will give you the coverage you need.
Let Us Find the Perfect Medicare Plan for YOU!
At Palmetto Mutual, we believe every senior deserves personalized service and the right Medicare plan to fit their needs.
With our local expertise, we’ll help you avoid costly mistakes and find the best plan to ensure your healthcare needs are covered—without the confusion of dealing with a national call center.
Don’t navigate Medicare alone—let us guide you to the perfect plan for YOU!
📞 Call Palmetto Mutual today to schedule your free consultation.
We’re here to help you every step of the way!
With Palmetto Mutual, you get the best of both worlds: local service and expert guidance.
Let us help you find the perfect Medicare plan so you can enjoy the peace of mind that comes with knowing you’re covered.
