MEDICARE & HEALTH INSURANCE
LifeStore Insurance is here to serve as your guide in choosing North Carolina health insurance. We promise to assist you in selecting a combination of affordable provisions which are best suited to your individual and family medical insurance needs. We can even assist you in finding appropriate health insurance for your small business or large business.
We will start by evaluating your needs, assessing your options, answering your questions and determining health insurance plans which best suit your budget. We will review the availability of individual/family plans, disability income, long-term care options, dental and vision supplemental policies or cancer policies, offering affordable health insurance plans in North Carolina.
Our prompt and courteous agents can offer a wide range of products, inform you of health care reforms and deal with claims in a rapid and responsible manner. They monitor NC health insurance rates, advising you of information relevant to your provisions; assuring you that your policy remains an appropriate choice.
LifeStore Insurance agents may also assist in the selection of business health insurance for your business, whether large or small. Proper medical insurance is vital to the financial security of you, your family and/or employees – covering sickness and injury, catastrophic medical treatment and lost income.
Medicare’s Annual Election Period begins October 15th and continues through December 7th. During this time you may consider making changes to your Medicare Part D Prescription Drug plan, Medicare Advantage Plan, or Medicare Supplement plan.
Here’s a few LifeStore Medicare Tips: During the annual election period you can make as many changes as you need to your Medicare Coverage. The final change that you make will go into effect on January 1st. If you do nothing, your current, plan, if available in 2022, will renew automatically.
If you have Original Medicare, review the 2022 “Medicare and You” handbook. This will outline your benefits for the upcoming year.
If you have Medicare Advantage or a stand-alone Part D drug plan, you should receive an Annual Notice of Change (ANOC) and an Evidence of Coverage (EOC) from your plan. These documents outline which providers, pharmacies, drugs, and services your plan covers, and what costs you will be responsible for. They’ll also tell you what will change in 2022. If you aren’t satisfied this is a good time to make changes.
Medicare supplement, also known as Medi-gap plans, have rates changes annually. You must shop rates just as you do with other types of insurance like auto or home. You may be able to get the same or similar coverage for a lot less. Please remember Underwriting may be needed to change policies after your (IEP) Initial Enrollment Period.
Our health insurance professionals will be happy to discuss your options and help you determine the best coverage for your needs. Phone 1-800-488-4999 for your free health insurance quote.
Partnering with LifeStore Insurance strengthens you in making informed decisions regarding your medical care.