Charlotte Medicare, Mecklenburg County IL Medicare

Health Plan One offers more than 5 Medicare plans in Charlotte, which is part of Mecklenburg County, North Carolina. Medicare carriers that offer Medicare Advantage and Medicare supplement plans in Charlotte include Humana and AARP. Enter your ZIP code above to compare the details of the Medicare plans available in Charlotte.

Medicare is funded by the government for those who are 65 years and older.  Medicare consists of Part A, or hospital insurance, and Part B, or medical insurance.  Medicare Part C is a Medicare Advantage Plan which combines Part A and Part B and in some cases Part D.  Medicare Part C is managed by insurance companies which are Medicare-approved.  These plans cover the necessary medical services, and have co-payments, coinsurance, and deductibles which vary.  Medicare Part D provides assistance in covering prescription drugs and can prevent high costs in the future.  Like Medicare Part C, the coverage depends on the plan.

NCRx is a state-run prescription drug program which aids low-income seniors who participate in the Medicare Part D plan.  NCRx pays up to $18 towards monthly Part D premiums.  Those who are eligible to participate in this plan are North Carolina residents, are 65 years or older, meets the income requirements, and is not eligible for the full federal “Extra Help” subsidy for Medicare Part D.

For more information, call 1-888-488-NCRX.

For more information on North Carolina State Medicare, visit our North Carolina Medicare page.

AARP is a nonprofit organization for those who are above the age of 50.  AARP is broken down into three categories which are: MedicareComplete, MedicareRx, and Medicare Supplement

MedicareComplete is a group of Medicare Advantage plans that offer all benefits under original Medicare as well as prescription drug coverage, no limitations on pre-existing conditions and fitness benefits.

MedicareRx is a group of Medicare Part D plans which are designed to make prescription drug costs more predictable.  In 2007, AARP members saved a combined $15 billion on prescription drugs alone.

Medicare Supplement plans provide coverage for eligible AARP members.

For more information on AARP Medicare, visit our AARP Medicare page.

Humana healthcare formed in 1961.  Humana offers Charlotte residents a variety of HumanaChoice PPO plans.  The office visit deductibles range from $10-$40, and the deductibles for hospital outpatient visits range from $0-$250 depending on the type of plan the beneficiary chooses.  Pharmacy is covered under the PPO plans with a premium ranging from $56-$72.

For more information on Humana Medicare, visit our Humana Medicare page.

Key areas to consider when choosing the appropriate Medicare plan are out of pocket costs, whether the plan allows the beneficiary to choose in network or out of network doctors, hospital expenses, co-insurance, the amount of skilled nursing and in-home recovery coverage the plan offers, as well as facility co-insurance.  PPO plans offer the freedom to choose out-of-network doctors and specialists while in most cases HMO plans do not.  However, the copay or deductible may be higher if the beneficiary chooses an out-of-network doctor under a PPO plan.