Retire NC 2024 - 40

At Peace with Insurance
Medicare is complex and far
more individual than you
might imagine. Consult a
North Carolina professional
to find the program that's
right for you-and to avoid
scammers.
A
n army of professionals offers free
advice to clients when they reach
the age of eligibility for one of the
U.S. government's most popular programs.
While some insurance agents say
Medicare is confusing because there are so
many companies offering so many options,
Basic Medicare is relatively easy. It's when
people begin looking at options for coverage
beyond that that the challenge sets in.
Mike Causey, commissioner of the N.C.
Department of Insurance, offers the following
advice for those seeking to understand
Medicare:
Several months before turning 65 you
should begin to learn more about Medicare
and how it relates to your circumstances.
For example:
* If you or your spouse have paid into
the Social Security System for 10 or more
years, you are eligible for premium-free
Medicare Part A (Hospital Insurance) at
age 65. If you have paid fewer than 10
years, you can buy Medicare Part A coverage.
Everyone pays a premium for Medi40
care
Part B (Medical Insurance).
* If you have been on Medicare due to
disability, you have a brand new six-month
Open Enrollment Period for purchasing
Medicare supplemental insurance when
you turn 65.
* Talk to your employer's benefit officer
and ask for any information about
company health insurance after age 65.
You will need to decide if you should keep
your employer group health plan (EGHP)
as secondary to Medicare or if you need to
drop your EGHP and purchase a Medicare
supplement or join a Medicare Advantage
Plan. If your EGHP has drug benefits, make
sure they are as good as or better than
Medicare Part D.
* If you aren't covered by an EGHP plan,
investigate other health insurance options
like an individual Medicare Supplement
Policy or a Medicare Advantage Plan. Senior
Health Insurance Information can
provide information about the Medicare
Supplement Plans, Medicare Advantage
Plans (Part C) and Medicare Prescription

Retire NC 2024

Table of Contents for the Digital Edition of Retire NC 2024

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