Medicare Advantage for Charlotte residents
Medicare Advantage (Part C) is a way to get your Medicare coverage through a private plan approved by Medicare. These plans cover the services Original Medicare Part A and Part B cover, many include Part D drug coverage, and most use provider networks. You generally keep paying your Part B premium.
Plans are approved by county. Charlotte is in Mecklenburg County, so you choose from the plans offered there, the same county list your neighbors in Huntersville and Cornelius see.
Networks in a big medical market
Charlotte has large hospital systems and many specialists, and Medicare Advantage networks don't always include all of them. A plan that covers your primary care doctor may not include the specialist or hospital you prefer.
Matt checks each of your doctors, hospitals and your pharmacy against every plan he compares, so you can see the trade-offs before you choose.
When you can enroll or make changes
Medicare has set windows for joining or changing a Medicare Advantage plan:
- Initial Enrollment Period (IEP): a seven-month window that includes the three months before your 65th birthday month, your birthday month and the three months after.
- Annual Enrollment Period (AEP): October 15 to December 7 each year, with changes taking effect January 1.
- Medicare Advantage Open Enrollment Period (MA OEP): January 1 to March 31, if you are already in a Medicare Advantage plan. You can make one change during this period.
- Special Enrollment Periods: certain life events, such as moving or losing other coverage, may let you make changes at other times.
Questions about Medicare Advantage in Charlotte? Matt is happy to help. By calling, you will be connected to a licensed insurance agent. Calls may be recorded.
Call (704) 802-2523Request a callWhat to compare
- Whether your doctors and hospitals are in the plan's network
- How your prescriptions are covered and what they would cost at your pharmacy
- Premiums, copays and the plan's yearly out-of-pocket maximum
- Whether you need referrals or prior authorization for care
- Extra benefits that matter to you, such as dental, vision or hearing (benefits vary by plan)
- Whether the hospital system you prefer is in the plan's network
How Matt helps
Matt is an independent broker, not the insurance company. He gathers your doctors, prescriptions and priorities, compares the plans he represents that are offered in Mecklenburg County, and explains the trade-offs so you can decide. He also helps with enrollment and stays your point of contact after you enroll.
The MacMillan Agency is not connected with or endorsed by the U.S. government or the federal Medicare program. Matt does not offer every plan available in your area. You can contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) for information on all of your options. In North Carolina, the SHIP is the Seniors’ Health Insurance Information Program (SHIIP) at the NC Department of Insurance, 855-408-1212.
We do not offer every plan available in your area. Currently we represent 8 organizations which offer 1,210 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options. The MacMillan Agency is not connected with or endorsed by the U.S. government or the federal Medicare program. Plan availability, benefits and costs vary by county and plan.