Medicare Supplements through Blue Cross Blue Shield of North Carolina are a great way for individuals already enrolled in Medicare Parts A and B to fill the coverage gaps left by Original Medicare.  Although some people who have a Medicare plan may also have supplemental coverage provided by a former employer to help pay health care costs not covered by Medicare, many do not.  If you don’t have access to employer coverage, you may choose to select a Medicare Supplement through a private carrier such as BCBSNC.

You can enroll in a Medicare Supplement through Blue Cross Blue Shield NC and have guaranteed issue (meaning you cannot be denied coverage) during the Initial Enrollment Period.  This period begins the first day of the month in which an applicant is both age 65 or older and enrolled in Medicare Part B.  This is the very best time to enroll in a Medicare Supplement.  There are, however, other special circumstances when a Medicare eligible person loses their current coverage through no fault of their own when they may be eligible for a Medicare Supplement through BCBSNC on a guaranteed issue basis. (more…)

If you are turning 65 and are newly eligible for Medicare, you may be asking yourself this important question:  Is Medicare enough coverage to meet your health care needs?  Here are some facts to keep in mind as you are exploring your Medicare options:

Medicare Parts A and B, which are also known as Original Medicare, are run by the federal government and if you have these two parts, the government will pay the doctors and hospitals you visit.  However, not every expense will necessarily be covered and you may want to consider a Medicare Supplement. (more…)