What is Medicare
Insurance Pro Nc - Onslow, Nc's insurance agency for Medicare insurance education and enrollments. Medicare supplements Are senior health insurance plans that are available to people age 65 and older, people who have been on Social Security disability for 24 months, or have certain medical conditions that may qualify them.
Many people have a misconception that Medicare is free and that it covers all your medical bills, with no cost to the individual on Medicare. Unfortunately, this is not correct. There are premiums and coinsurance that are not covered by Medicare, and they are the Medicare beneficiaries responsibility.
Medicare has several different parts; A, B, C, D and F and while A, B and C may have zero monthly premiums in certain situations, they are not free. Medicare A is paid out of your payroll deductions or your spouses. Medicare part B may be paid by Medicaid cost sharing for low income individuals, or you would pay a monthly premium, and Medicare part C may be subsidized by the government with certain plans.
Medicare Disclaimer
‘‘We may not offer every plan available in your area. Currently we represent 6 organizations that offer 36 products in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1–800–MEDICARE to get information on all of your options.’’ or the State Health Insurance Program.
Compliance and Ethical Practices
We are focused on educating our clients on senior health insurance so they can make an informed decision on their coverage. We will provide affordable and comprehensive solutions to fit your goals and objectives.
​
We go through extensive training year after year to make sure we are compliant with all marketing rules and regulations. Our motto is: always do the right thing even when no one is watching.
We pratice ethics and believe integrity is the most important standard in the insurance business.
Medicare Benefits 2025
HOSPITALIZATION BENEFIT
FIRST 60 DAYS ALL BUT $1676.00 / PER 60 DAYS PERIOD
​61ST-90TH ALL BUT $419.00 / PER DAY
​91ST-150* ALL BUT $838.00 / PER DAy
​BEYOND 150 DAYS NOTHING
​
POST HOSPITAL SKILLED NURSING FACILITY CARE
​FIRST 20 DAYS 100% OF MEDICARE APPROVED AMOUNT
​ADDITIONAL 80 DAYS ALL BUT $209.50 / PER DAY
​BEYOND 100 DAYS NOTHING
​PART B COST AND BENEFITS​MEDICARE PART B PREMIUM $185.00
MEDICARE PART B DEDUCTIBLE $257.00
​
OUT OF POCKET MAXIMUM FOR PLAN K AND L
$7,220.20 AND $3,610.20 RESPECTIVELY
What type of Plan are you interested in?
Medicare Supplements
-
Works with original Medicare to cover some of your coinsurance responsibilities that Medicare does not pay.
-
Plans that give you access to Medicare providers without having a network.
-
Nationwide coverage access to Medicare providers.
-
Does not include prescription coverage.
-
Plans are standardized so the coverage is the same no mtter which carrier you have.
Medicare Advantage
-
Coverage is through a private insurance carrier contracted with Medicare.
-
Plans have networks of participating providers.
-
May include prescription coverage.
-
May include additional benefits not covered by original Medicare.
-
May include rebates on Medicare part B premiums.
-
May have "zero dollar" premiums.
-
Coverage usually consist of premiums, deductibles, co-pays, and/or co-insurance.
Medicare prescription
drug plans
-
Plans should be taylored to each individuals needs.
-
Plans are provided by individual insurance carriers.
-
Plans have specific formularies.
-
Coverage usually consist of premiums, deductibles, co-pays, and/or co-insurance.
-
May have "0" co-pays for generic medications.
-
Plans are required to follow Medicare guidlines.
Do you know what Medicare covers?
Get the help you need!
Medicare is, as with most health insurance, very complicated and confusing to most people. Fortunately you don’t have to learn it all on your own, It is best to have an insurance advisor, "agent", assist you with your questions, and help you in enroll in a plan that will be the most benificial to your needs and affordability.
Insurance advisors, "agents", go through annual training, and are licensed by the states they work in. Agents are able to educate people on Medicare, and help enroll beneficiaries in Medicare supplement plans, Medicare Advantage and Medicare prescription drug plans.
There are SHIP programs available to assist people, but ther advisors are not licensed, and are just volunteer workers, so they are not able to enroll you, only assist you.
Free Medicare Presentation
We provide a free Medicare supplement
Powerpoint presentation to explain what you need to know about:
-
Medicare part A
-
Medicare Part B
-
Medicare Part C
-
Medicare Part D
There is no additional cost to work with an insurance agent, they get paid by the insurance carriers when they enroll someone in a plan. The premium cost are the same, whether you use an agent, enroll online or over the phone. Make an appointment with an agent today, and make the right choice for your Medicare insurance plans!
For Medicare questions, or to schedule an appointment
Call : 800-270-4340
Special Assistance
Guidance and Assistance Forms for Your Benefits.
Click on the picture to access the forms and websites.
Apply for Medicare
Appy for help with prescription costs
Scope of appointment form
Plan self enrollment
2025 Medicare handbook
Mutual of Omaha enroll online