The Best Medicare Plans in Pender County: Compare and Save
Posted in Uncategorized last updated on April 3, 2025Choosing the right Medicare plan can feel overwhelming, but it doesn’t have to be.
If you live in Pender County, North Carolina, you have several options to consider.
Making the right choice can save you money, and you get the care you need.
Whether you’re in Burgaw, Hampstead, Rocky Point, Surf City, or any surrounding communities, understanding your Medicare options is the key to making the best decision for your health and budget.
Understanding Your Medicare Choices
Medicare isn’t a one-size-fits-all program.
Different types of plans are available, each with benefits and costs.
In Pender County, seniors can choose from:
- Original Medicare (Parts A & B) – Covers hospital stays and doctor visits but doesn’t include prescription drug coverage.
- Medicare Advantage (Part C)** – **A private plan often includes extra benefits like dental, vision, and prescription drug coverage.**
- Medicare Supplement (Medigap) Plans** – **Helps pay for out-of-pocket costs that Original Medicare doesn’t cover.**
- Medicare Part D – standalone prescription drug coverage for those on Original Medicare.
Many seniors find the choices confusing, and that’s where Palmetto Mutual comes in.
Why Making an Informed Decision Matters
Picking the wrong Medicare plan can lead to higher costs, unexpected bills, or missing benefits.
For example:
- A senior in Surf City might choose a Medicare Advantage plan that doesn’t include their preferred doctor.
- Someone in Rocky Point might enroll in Original Medicare without realizing they need extra prescription coverage.
Understanding your options now can help you avoid costly mistakes later.
How Palmetto Mutual Makes Medicare Easy
At Palmetto Mutual, we specialize in helping Pender County seniors find the right Medicare plan—without the hassle.
Unlike other services, which can be confusing and difficult to navigate, we break everything down in simple terms and make sure you understand your choices.
When you work with Palmetto Mutual, you get:
✔ Local expertise – We know the Medicare plans available in Pender County and which ones work best for seniors in Burgaw, Hampstead, Rocky Point, and Surf City.
✔ Personalized guidance – We take the time to understand your needs and recommend a plan that fits your budget and health concerns.
✔ No-cost help – Our services are free, and there’s never any pressure to enroll.
Ready to Find the Best Medicare Plan for You?
Don’t struggle through the Medicare process alone.
Call Palmetto Mutual today for personalized help from a local expert who understands your needs and community.
Understanding Your Medicare Options in Pender County
Medicare can seem complicated, but breaking it down into simple choices makes it easier to understand.
If you’re a senior in Pender County, whether you live in Burgaw, Hampstead, Rocky Point, Surf City, or the surrounding areas, knowing your options can help you make the best decision for your health and budget.
Here’s a clear explanation of your Medicare choices and how Palmetto Mutual can help you find the best plan.
Original Medicare (Parts A & B): The Basics
The federal government provides Original Medicare, which includes two parts:
✅ Medicare Part A (Hospital Insurance) – Covers inpatient hospital stays, skilled nursing care, hospice, and some home health services.
✅ Medicare Part B (Medical Insurance) – Covers doctor visits, outpatient care, preventive services, and durable medical equipment (like wheelchairs).
🔹 What’s missing?
Original Medicare does not cover prescription drugs, dental, vision, or hearing, and it still leaves you responsible for deductibles, copays, and coinsurance.
Many seniors find they need extra coverage to avoid high out-of-pocket costs.
Medicare Advantage (Part C): Extra Benefits in One Plan
Private insurance companies offer Medicare Advantage plans and combine your hospital, medical, and often prescription drug coverage into one plan.
These plans can also include extra benefits like:
✔ Dental coverage for cleanings, fillings, and dentures.
✔ Vision benefits, including glasses and eye exams.
✔ Hearing aid coverage to help with hearing costs.
✔ Over-the-counter (OTC) benefits for health supplies.
✔ Fitness programs like SilverSneakers®.
🔹 Important to know:
Medicare Advantage plans use provider networks, meaning you may need to see doctors and hospitals in the plan’s network.
Palmetto Mutual helps you compare plans accepted by doctors in Pender County so you don’t end up with a plan that limits your care.
Medicare Supplement (Medigap) Plans: Covering the Gaps
If you prefer Original Medicare but don’t want to be stuck with high out-of-pocket costs, a Medicare Supplement (Medigap) plan might be a great choice.
✔ Covers deductibles, copays, and coinsurance that Medicare doesn’t pay.
✔ Freedom to see any doctor who accepts Medicare—no networks!
✔ Great for seniors who travel since coverage is accepted nationwide.
🔹 Who should consider Medigap?
If you see specialists frequently or want predictable healthcare costs, a Medigap plan can help you save money and avoid surprise bills.
Medicare Part D: Prescription Drug Coverage
If you choose Original Medicare or a Medigap plan, you’ll need a separate Part D plan to cover your medications.
✔ Helps lower prescription drug costs.
✔ Covers generic and brand-name drugs.
✔ Avoids Medicare’s late enrollment penalty.
🔹 Choosing the right Part D plan:
Each plan has a list of covered drugs (formulary), and prices can vary.
At Palmetto Mutual, we compare plans for you so you get the best coverage for your specific medications.
Why Palmetto Mutual Makes Medicare Simple
Trying to figure out all these options can be confusing and overwhelming. Many seniors struggle to compare plans or don’t know where to start.
That’s why Palmetto Mutual is here to help!
✔ We simplify Medicare, so you understand your options.
✔ We compare plans in Pender County to find the best fit for you.
✔ We offer one-on-one guidance—at no cost to you!
Get Expert Help with Your Medicare Plan Today
Don’t waste hours trying to figure out Medicare alone. Palmetto Mutual makes it easy!
💻 Click here to get started!
Medicare Advantage Plans in Pender County
A Medicare Advantage plan (Part C) could be the right choice if you’re seeking a Medicare plan that includes extra benefits.
Many seniors in Pender County, including those in Burgaw, Hampstead, Rocky Point, and Surf City, choose Medicare Advantage because it combines hospital, medical, and often prescription drug coverage into one plan—with added perks like dental, vision, and over-the-counter benefits.
What Medicare Advantage Plans Offer
Private insurance companies provide Medicare Advantage plans that cover everything Original Medicare does but with extra benefits that help seniors save money.
✅ Prescription drug coverage (most plans include Part D) – Helps lower the cost of medications.
✅ Dental benefits – Covers cleanings, dentures, and some procedures.
✅ Vision care – Includes eye exams and glasses.
✅ Hearing benefits – Helps pay for hearing aids and tests.
✅ Over-the-counter (OTC) allowances – Monthly or quarterly funds to buy health products like vitamins and pain relievers.
✅ Gym memberships (SilverSneakers® & Renew Active®) – Free access to fitness programs to help seniors stay active.
💡 Example:
Mary, a retiree in Surf City, was paying out-of-pocket for her dental cleanings and glasses every year.
After switching to a Medicare Advantage plan, she now gets two free cleanings per year, new glasses every 24 months, and $75 per quarter for OTC products—all at no extra cost beyond her plan’s premium.
Medicare Advantage Providers in Pender County
Several insurance companies offer Medicare Advantage plans in Pender County.
At Palmetto Mutual, we help you compare these options to find the best fit for your doctors, prescriptions, and budget.
✔ Humana – Offers plans with strong dental, vision, and hearing benefits.
✔ UnitedHealthcare – The popular AARP Medicare Advantage plans with large doctor networks are included.
✔ Aetna – Competitive plans with over-the-counter benefits and wellness programs.
Hospitals and Clinics That Accept Medicare Advantage in Pender County
Find a Medicare Advantage plan that your doctor accepts.
Some local providers that accept these plans include:
🏥 Pender Memorial Hospital (Burgaw) – A full-service hospital with emergency care, outpatient services, and rehabilitation.
🏥 Novant Health Oceanside Family Medicine (Hampstead) – Provides primary care and preventive services for seniors.
Other local doctors and specialists may accept Medicare Advantage, but not all plans include every doctor.
That’s why it’s important to compare before enrolling.
Why Call Palmetto Mutual?
🔹 Avoid Surprise Costs – Some Medicare Advantage plans have lower premiums but higher out-of-pocket expenses. We help you find a plan that fits your budget.
🔹 Keep Your Doctors – Not every plan works with every doctor or hospital. We make sure your providers accept your plan.
🔹 Get the Best Benefits – Some plans offer higher dental, vision, or OTC allowances than others. We compare them all for free.
Instead of struggling, let Palmetto Mutual help you find the best Medicare Advantage plan in Pender County—at no cost to you!
💻 Click here to find the right plan for you!
Medigap Plans in Pender County: Avoid High Medical Costs
If you’re on Original Medicare (Parts A & B), you may have noticed that it doesn’t cover everything.
Many seniors in Pender County, including those in Burgaw, Hampstead, Rocky Point, and Surf City, end up paying high out-of-pocket costs for deductibles, copays, and coinsurance.
That’s where Medicare Supplement plans (Medigap) come in.
These plans fill the gaps in Medicare, helping seniors avoid surprise medical bills and keep their healthcare affordable and predictable.
Why Medigap Plans Matter
Original Medicare only covers about 80% of hospital and doctor costs—the rest is up to you. Without a Medigap plan, you could face thousands of dollars in unexpected bills.
✅ Covers copays, deductibles, and coinsurance that Medicare doesn’t pay.
✅ No networks – See any doctor or specialist who accepts Medicare.
✅ Nationwide coverage – Great for snowbirds or seniors who travel.
✅ Guaranteed renewable – You can’t be dropped due to health changes.
💡 Example:
Tom, a retiree in Rocky Point, had knee replacement surgery.
Medicare-covered most of the cost, but he was left with a $1,600 hospital deductible and 20% of outpatient therapy bills.
Since he had a Medigap Plan G, his plan paid everything except his small Part B deductible, saving him over $3,000.
Most Popular Medigap Plans in Pender County
Medigap plans are standardized, meaning each plan offers the same coverage no matter which insurance company you choose.
The most popular options include:
✔ Plan G – Covers everything except the small annual Part B deductible. Great for seniors who want comprehensive coverage.
✔ Plan N – Lower premiums than Plan G, but you pay a small copay for doctor visits and emergency room trips.
✔ High Deductible Plan G – Lower monthly cost but requires a deductible before full coverage. It is suitable for healthy seniors who want lower premiums.
Top Companies Offering Medigap in Pender County
Not all insurance companies charge the same rates, even for identical Medigap plans.
That’s why it’s important to compare prices before enrolling.
The most trusted Medigap providers in Pender County include:
🏢 Mutual of Omaha – Competitive rates and strong financial stability.
🏢 Aflac – Known for straightforward claims and customer service.
🏢 Cigna – Offers household discounts and flexible payment options.
🏢 Aetna – Affordable plans with excellent nationwide coverage.
At Palmetto Mutual, we compare rates from multiple carriers to find you the best price for the plan you want.
Why Call Palmetto Mutual for Medigap Plans?
❌ Don’t overpay – The same Medigap plan can cost more with one company than another. We shop around, so you don’t have to.
❌ Avoid confusion – Instead of spending hours on Medicare.gov, we simplify and understand your options.
✔ Free, no-pressure help – We work for you, not the insurance companies.
💻 Click here to get a free quote!
Medicare Part D in Pender County: Finding the Right Drug Plan
Prescription drug costs can add up quickly, so choose the right Medicare Part D plan to keep your medications affordable.
If you’re a senior in Pender County—whether you live in Burgaw, Hampstead, Rocky Point, Surf City, or nearby communities—you have several Part D options to help cover the cost of prescriptions.
However, not all plans cover the same medications or costs, so compare carefully.
Palmetto Mutual makes finding the best Part D plan for your prescriptions easy—without the confusion.
Why Choosing the Right Part D Plan Matters
Even if you don’t take many medications now, enroll in a Medicare Part D plan as soon as you’re eligible to avoid late penalties.
Here’s why you must choose the right plan:
✅ Different plans cover different drugs – The same prescription could be affordable in one plan but expensive in another.
✅ Some plans have lower monthly premiums but higher out-of-pocket costs at the pharmacy.
✅ Preferred pharmacy networks can mean cheaper drug prices if you go to the right pharmacy.
✅ Medicare Part D penalties apply if you don’t enroll on time, and they last for life.
💡 Example:
Susan, a retiree in Burgaw, was paying $120 per month for her cholesterol medication because she picked a Part D plan that didn’t include it on its preferred drug list.
After calling Palmetto Mutual, we found her a better plan covering the medication at a $15 copay, saving her over $1,200 annually!
Top Medicare Part D Providers in Pender County
Several private insurance companies offer Part D prescription drug plans, but the best plan depends on the specific medications you take.
Some of the most popular Part D providers in Pender County include:
✔ SilverScript (Aetna) – Low-cost options with strong prescription drug coverage.
✔ Humana – Offers preferred pharmacy networks to help lower copays.
✔ Cigna – Competitive plans with broad medication coverage.
Where Can You Use Your Medicare Part D Plan in Pender County?
Most major chain and independent pharmacies in Pender County accept Medicare Part D plans.
Some plans offer lower costs at preferred pharmacies, so choose a plan that works with your pharmacy.
Some popular local pharmacies that accept Medicare Part D include:
🏥 Walgreens (Hampstead & Burgaw) – Often a preferred pharmacy with many Part D plans.
🏥 CVS (Rocky Point) – Works with SilverScript (Aetna) and Humana for preferred pricing.
🏥 Local independent pharmacies – Many locally owned pharmacies participate in Medicare Part D networks, providing personalized service and competitive pricing.
Why Palmetto Mutual Makes Part D Simple
If you’ve ever tried comparing Medicare Part D plans, you know how confusing it can be.
Many seniors struggle to:
❌ Find the right plan that covers their medications at the lowest cost.
❌ Understand the tiers and formularies (each plan has a different drug list!).
❌ Figure out which pharmacy will give them the best price.
At Palmetto Mutual, we handle all this for you—at no cost!
✔ We compare every plan to find the one that covers your prescriptions for the lowest price.
✔ We check pharmacy networks to ensure your plan works at your preferred pharmacy.
✔ We explain your options simply so you know exactly what you’re signing up for.
Need Help Finding the Right Medicare Part D Plan?
Don’t guess when it comes to your prescription drug coverage. Palmetto Mutual will compare plans for you, explain your choices, and help you enroll—all for free.
💻 Click here to get started!
Enrollment Periods: When Can You Sign Up for Medicare in Pender County?
Enrolling in Medicare at the right time is critical to ensuring you get the coverage without penalties or delays.
Whether you’re turning 65 in Burgaw, Hampstead, Rocky Point, Surf City, or anywhere in Pender County, knowing when to sign up for Medicare can save you money and stress.
Many seniors miss key Medicare deadlines, which can lead to late penalties or gaps in coverage.
Palmetto Mutual helps Pender County seniors enroll on time and find the best plan for their needs—without the confusion.
1. Initial Enrollment Period (IEP): For Those Turning 65
If you’re about to turn 65, you have a 7-month window to enroll in Medicare:
📅 IEP Timeline:
✔ Starts 3 months before your 65th birthday
✔ Includes your birthday month
✔ Ends 3 months after your birthday
✅ During this time, you can:
- Sign up for Original Medicare (Parts A & B).
- Choose a Medicare Advantage (Part C) plan for extra benefits.
- Enroll in a Medicare Supplement (Medigap) plan to cover out-of-pocket costs.
- Sign up for a Medicare Part D prescription drug plan to avoid future penalties.
💡 Example:
James from Hampstead turned 65 in August.
He called Palmetto Mutual in May, and we helped him enroll in Medicare Part A, Part B, and Medicare Supplement Plan G before his birthday.
His coverage started on time, and he avoided any late penalties!
2. Annual Enrollment Period (AEP): Oct 15 – Dec 7
Each year, from October 15 to December 7, Medicare allows seniors to review and change their coverage.
✅ During AEP, you can:
- Switch to Medicare Advantage plans if you want better benefits.
- Change from Original Medicare to a Medicare Advantage plan.
- Enroll in or change a Medicare Part D drug plan.
🔹 Why does this matter?
Medicare plans change every year. Your doctor might stop accepting your plan, or your medication costs could go up.
Palmetto Mutual can check if your plan is still the best choice and help you switch if needed.
💡 Example:
Sarah from Burgaw had a Medicare Advantage plan, but her doctor stopped accepting it in 2023.
She contacted Palmetto Mutual during AEP, and we found her a new plan that covered her doctors and included better dental benefits—all at a lower monthly premium!
3. Special Enrollment Periods (SEP): For Qualifying Life Events
Some seniors qualify for a Special Enrollment Period (SEP), allowing them to enroll or change plans outside the standard windows.
✅ You may qualify for a SEP if you:
✔ Move to or from Pender County; your plan isn’t available in your new location.
✔ Lose employer health coverage (for example, retiring at age 67).
✔ Have Medicaid and become newly eligible for a Medicare Savings Program.
✔ Lose a Medicare Advantage plan due to the plan leaving your service area.
💡 Example:
Bob from Surf City retired at 67 and lost his employer’s health insurance.
He was worried about missing Medicare deadlines, but Palmetto Mutual helped him enroll through a Special Enrollment Period, so he had no gap in coverage!
Why Call Palmetto Mutual?
❌ Miss a Medicare deadline, and you could face lifelong penalties or coverage delays.
✔ We make sure you enroll at the right time to avoid penalties.
✔ We compare all plans in Pender County to find the best one for your needs.
✔ Our help is 100% free, and we handle all the paperwork for you!
Need Help Enrolling in Medicare? Don’t Miss Your Deadline!
💻 Click here to find out when you should enroll!
Medicaid & Low-Income Assistance for Pender County Seniors
Many seniors in Pender County struggle to afford healthcare, but some programs can help lower your Medicare costs.
If you’re on a fixed income and worried about affording Medicare premiums, copays, or prescription drugs, you may qualify for Medicaid, a Medicare Savings Program, or Extra Help.
If you live in Burgaw, Hampstead, Rocky Point, or Surf City, you don’t have to navigate these programs alone.
Palmetto Mutual specializes in helping seniors find financial assistance and apply for the benefits they qualify for—at no cost!
Medicare & Medicaid: Dual-Eligible Plans
If you qualify for both Medicare and Medicaid, you’re considered dual-eligible.
This means you may be able to get a unique Medicare Advantage plan that provides:
✅ $0 monthly premiums and low out-of-pocket costs
✅ Extra dental, vision, and hearing benefits
✅ Over-the-counter (OTC) allowance for products like vitamins, bandages, and aspirin
✅ Transportation assistance for medical appointments
✅ Lower prescription drug costs
💡 Example:
Betty from Rocky Point was struggling to pay her Medicare costs.
She called Palmetto Mutual, and we helped her enroll in a dual-eligible Medicare Advantage plan.
This plan eliminated her premiums and gave her extra benefits like free dental and vision coverage.
Extra Help: Lowering Prescription Drug Costs
Medications can be expensive, but the Extra Help program can significantly reduce costs.
✅ Helps pay for Medicare Part D premiums
✅ Lowers prescription drug copays
✅ No Part D late enrollment penalties
🔹 Who qualifies for Extra Help?
Seniors with limited income and resources may be eligible.
If you think you might qualify, Palmetto Mutual can check for you and help you apply.
💡 Example:
John from Surf City was paying $90 per month for his prescriptions.
After enrolling in Extra Help, his monthly medication costs dropped to $8, saving him over $1,000 yearly!
Pender County DSS Resources for Low-Income Seniors
If you need food, housing, or medical assistance, the Pender County Department of Social Services (DSS) provides several programs for low-income seniors.
📍 Pender County DSS Office
📍 Address: 810 S. Walker St, Burgaw, NC 28425
📍 Phone: (910) 259-1240
💡 Programs available through DSS:
✔ Medicaid for seniors – Helps pay for medical costs not covered by Medicare.
✔ Food and Nutrition Services (SNAP) – Provides monthly food assistance.
✔ Low-Income Energy Assistance Program (LIEAP) – Helps cover heating and cooling costs.
Many seniors don’t realize they qualify for these programs. Palmetto Mutual can help determine if you’re eligible and guide you through the application process.
Why Call Palmetto Mutual for Assistance?
❌ Don’t miss out on benefits you qualify for! Many seniors leave thousands of dollars in assistance on the table because they don’t know how to apply.
✔ We check all available financial assistance programs to get you the help you deserve.
✔ We help you apply for Extra Help, Medicaid, and Medicare Savings Programs.
✔ We do all of this for FREE—there’s never a cost to you!
Need Help Lowering Your Medicare Costs?
💻 Click here to get started!
The Best Medicare Plan? It Depends on Your Needs
There’s no one-size-fits-all option when choosing a Medicare plan in Pender County.
The best plan for you depends on your health needs, doctor preferences, and budget.
Seniors in Burgaw, Hampstead, Rocky Point, Surf City, and surrounding areas all have different healthcare priorities.
That’s why Palmetto Mutual takes the time to understand your needs and compare all available options so you can confidently choose the right Medicare plan.
Key Factors to Consider When Choosing a Medicare Plan
When selecting a Medicare plan, ask yourself these questions:
1. Do You Have Any Ongoing Health Conditions?
Your health status plays a significant role in which Medicare plan is right for you.
✔ If you have chronic conditions (like diabetes, heart disease, or COPD), you may need a Medicare Advantage plan that covers specialists and medications at a lower cost.
✔ If you visit the doctor frequently, a Medigap plan might be a better choice because it reduces out-of-pocket costs.
✔ If you’re healthy and rarely see the doctor, you might prefer a lower-cost Medicare Advantage plan with additional dental, vision, and hearing benefits.
💡 Example:
Linda from Burgaw has diabetes and sees a specialist monthly.
She originally picked a Medicare Advantage plan but later realized her specialist wasn’t covered.
Palmetto Mutual helped her switch to a plan that included her doctor and kept her medication costs low.
2. Do You Want to Keep Your Current Doctors?
Not all Medicare plans cover the same doctors and hospitals.
✔ Medicare Advantage plans have networks, meaning you may need to see specific doctors.
✔ Medigap plans let you see any doctor nationwide who accepts Medicare—no networks to worry about!
💡 Example:
Joe from Surf City wanted to keep seeing his primary doctor at Pender Memorial Hospital.
He called Palmetto Mutual, and we helped him find a Medicare plan that included his doctor and covered his prescriptions.
3. What’s Your Budget?
Every Medicare plan has different costs, including:
💰 Monthly premiums – Some Medicare Advantage plans have $0 premiums, while Medigap plans have a monthly cost but lower out-of-pocket expenses.
💰 Copays and deductibles – Medicare Advantage plans often have small copays for doctor visits, while Medigap plans cover most out-of-pocket costs.
💰 Prescription drug costs – If you take daily medications, choosing a plan with strong Part D or built-in prescription drug coverage is essential.
💡 Example:
Sarah from Rocky Point was on a tight budget and needed a low-cost Medicare plan.
Palmetto Mutual found her a $0 premium Medicare Advantage plan that included dental, vision, and prescription coverage—saving her hundreds of dollars annually.
Why Work with Palmetto Mutual?
Trying to compare Medicare plans on your own can be frustrating and time-consuming. Many seniors find it overwhelming and worry about making the wrong choice.
At Palmetto Mutual, we:
✔ Compare all plans available in Pender County to find the best fit for YOU.
✔ Make sure your doctors and prescriptions are covered to avoid surprise costs.
✔ Explain everything in simple terms—no confusing Medicare jargon!
✔ Help you enroll at NO COST—our services are always free to you.
Find Your Best Medicare Plan Today!
Don’t guess when it comes to your health and finances.
Let Palmetto Mutual help you choose a Medicare plan that fits your needs, budget, and doctors!
📞 Call Palmetto Mutual today at [YOUR PHONE NUMBER] to find the right plan for you!
💻 Click here to get started!
Avoiding Medicare Scams & Bad Plans
Medicare is a significant part of your healthcare, but not every plan is good, and not everyone selling Medicare has your best interests at heart.
Seniors in Pender County, especially in Burgaw, Hampstead, Rocky Point, and Surf City, need to be cautious when choosing a Medicare plan to avoid falling for scams or misleading sales tactics.
At Palmetto Mutual, we’re a trusted local brokerage that helps seniors find legitimate, high-quality Medicare plans while avoiding bad deals and scams.
Beware of Misleading TV Commercials & Pushy Salespeople
You’ve probably seen those Medicare commercials on TV promising free benefits, tremendous savings, or even money back on Social Security checks.
While some plans offer extra benefits, these ads can often be misleading or miss important details.
❌ Common Medicare TV Ad Tricks:
- “Get $148 back on your Social Security check!” → Only sure low-income seniors qualify, but the ad sounds like everyone can get this benefit.
- “Free dental, vision, and hearing for all!” → Not every plan includes these benefits; some only offer limited coverage.
- “Call now for a special Medicare plan just for you!” → These are often national call centers that don’t understand local plans in Pender County.
💡 Example:
Martha from Burgaw called a number from a TV ad and was told she could get more benefits with a new Medicare Advantage plan.
She later found out her doctor didn’t accept the plan, and her medications were no longer covered.
Palmetto Mutual helped her switch back to a plan that fit her needs!
Why Working with a Local, Independent Brokerage Protects You
Instead of calling a random 1-800 number, working with a local Medicare expert like Palmetto Mutual gives honest advice and a plan that works for you.
🔹 We’re local! – We know the Medicare options in Pender County and which ones work best with local doctors and hospitals.
🔹 We’re independent! – Unlike pushy salespeople working for a single company, we compare all major carriers to find the best plan for your needs.
🔹 We work for YOU! – Our job isn’t to sell you something—it’s to help you make an informed decision with no pressure or sales gimmicks.
💡 Example:
Frank from Rocky Point received a call from an agent who immediately pressured him to sign up for a Medicare plan.
Instead, he called Palmetto Mutual, and we helped him review his options carefully, ensuring his doctors and prescriptions were covered before enrolling.
Common Medicare Scams Seniors in Pender County Should Avoid
Unfortunately, scammers often target seniors with fake Medicare offers. Here are a few red flags to watch for:
🚩 Phone calls claiming to be from Medicare – Medicare will never call you to offer a new plan or ask for your personal information.
🚩 People asking for your Medicare number – Scammers try to steal your Medicare ID to bill fake services in your name.
🚩 Offers of “free medical equipment” – Scammers say you qualify for free braces, wheelchairs, or devices but use your Medicare number to commit fraud.
🚩 Fake Medicare Advantage plans – Some scammers create fake websites or mail fake letters pretending to be legitimate insurance providers.
💡 Protect yourself:
✔ Only work with licensed Medicare brokers like Palmetto Mutual.
✔ Never give your Medicare ID or Social Security number to strangers.
✔ If something sounds too good to be true, it probably is!
Palmetto Mutual: You Only Enroll in Trusted Plans
When you work with Palmetto Mutual, you can rest easy knowing you’re choosing a Medicare plan that works for you—not a plan someone is trying to sell you.
✔ We only work with reputable Medicare companies like Humana, Aetna, Cigna, and Mutual of Omaha.
✔ We explain all your options clearly so you don’t get stuck in an evil plan.
✔ We check your doctors, medications, and coverage needs before recommending a plan.
Need Honest Medicare Help? Call Palmetto Mutual Today!
💻 Click here to get started with a free Medicare review!
Get Local, Personalized Medicare Help Today
Choosing the right Medicare plan doesn’t have to be overwhelming.
Whether you live in Burgaw, Hampstead, Rocky Point, Surf City, or Pender County, Palmetto Mutual is here to make Medicare simple and stress-free.
With so many options, it’s easy to feel confused, but you don’t have to figure it out alone.
Our local Medicare experts will take the time to listen to your needs, compare your options, and help you find the best plan—all at no cost to you.
📞 Speak with a Local Medicare Expert at Palmetto Mutual Today!
Don’t spend hours searching online or worrying about making the wrong choice. Let us do the hard work for you.
✅ Step 1: Call us
✅ Step 2: Schedule a free, no-obligation consultation
✅ Step 3: Get expert Medicare advice tailored to your health, budget, and doctors
🔹 Prefer to meet in person?
We’re happy to schedule an in-person visit for a face-to-face consultation.
💻 Need help online? Fill out our quick contact form, and we’ll get in touch!
No More Stress.
No More Confusion. Just the Right Medicare Plan for You.
At Palmetto Mutual, we believe that every senior in Pender County deserves expert Medicare help—without the frustration.
✔ Local experts who understand your Medicare options
✔ Personalized help at no cost to you
✔ Friendly, patient service—no sales pressure
💡 Medicare shouldn’t be complicated. Let us make it easy.
📞 Call Palmetto Mutual today at [YOUR PHONE NUMBER] to get started!
💻 Click here to schedule your free Medicare review!
