Medicare Advantage in Troutman, NC

Medicare Advantage for Troutman residents

A Medicare Advantage (Part C) plan is another way to get your Medicare coverage, through a private plan approved by Medicare. It covers what Original Medicare Part A and Part B cover, and many plans include Part D drug coverage. You generally keep paying your Part B premium.

Troutman is in Iredell County, so you choose from the plans offered there. The list, the networks and the costs can change from one year to the next, so it's worth reviewing your plan each fall.

Prescriptions and pharmacies

Drug costs can differ a lot from plan to plan. Each plan has its own list of covered drugs, called a formulary, and many plans have preferred pharmacies where your copays may be lower.

Matt enters your prescriptions and the pharmacy you use, so you can see how each plan would treat them before you choose.

When you can enroll or make changes

You can join or change a Medicare Advantage plan during these windows:

• 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.

What 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 pharmacy you use is preferred, standard or out of 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 Iredell 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.