Get Covered with Medicare
in Wilmington, North Carolina
If you’re in North Carolina and looking for Medicare coverage, we’re here to help you find the right plan to meet your healthcare needs.
At Osborne Insurance Services, we’ve been the trusted Medicare advocates in the community for years, guiding individuals through the complexities of Medicare. Our independent agency is dedicated to finding coverage that fits your unique needs without the pressure of serving any specific insurance company. This allows us to explore options from top providers across North Carolina, ensuring you get the best Medicare coverage possible.
Why Should I Go with Osborne Insurance Services?
Navigating Medicare can be confusing and time-consuming. With various plans like Medicare Advantage, Medicare Supplement, and Prescription Drug Plans, how do you know which one is right for you?
That’s where we come in. Our team offers free assistance to North Carolinians, making the process easier and ensuring you’re on the path to the best Medicare plan for your specific situation. Our experts will guide you through every step, helping you avoid penalties, unnecessary payments, and the confusion that often comes with Medicare decisions.
We’ll educate you on the different parts of Medicare—Part A, Part B, Part C, and Part D—ensuring you understand your coverage options, out-of-pocket expenses, and the differences between in-network and out-of-network providers. We’ll also inform you of any complications that could arise with certain plans.
How Can I Select a Plan?
Well, always begin with a conversation with us. As your agents and advocates, it’s why we’re here: to help you find the best plans!
Secondly, we want you to be equipped with the right information to make informed decisions for you and your family. Here’s our simple, five-step process to help you narrow your options:
- Figure out what’s necessary. Though injury and sudden illness are unpredictable, you can anticipate other medical needs. You may visit a medical specialist every so often, so find a plan that includes your preferred doctors and hospitals and offers low copayments for those visits.
- Don’t buy more than what’s necessary. You may not need certain benefits, so find out how you do without them. If you’re young and healthy, you may want to look at a high-deductible health plan (HDHP) for the considerably lower premium.
- Review your plan’s network. Make sure your preferred doctors and hospitals are in-network on whatever plans you’re looking at.
- Be informed! Learn what your share of healthcare costs may be in certain scenarios, from copays to premiums to deductibles. And, know what your annual limits on coverage and services may be.
- Understand your out-of-pocket maximum. The total of your cost share (copays, deductible, etc.) accumulates toward this number, and you are completely done when you reach it; from there the plan pays 100% of all covered in-network services for the rest of the calendar year. Be aware of this number and choose a plan that works for your budget.