January 1st - March 31st - Open Enrollment Period (OEP)
Medicare beneficiaries who have both Medicare Parts A and B, and who have already enrolled in an Rx plan have one OPPORTUNITY to switch to a different plan, effective on the first of the following month.
Beneficiaries are limited to the types of changes they may make during the Open Enrollment Period, and may not make changes to their Part D status.
Now more than ever, Seniors need to seek advice from "qualified" agents who know the Senior Market and can help them make the "right" choice for their health care needs!
We have been serving NC residents since 1971.
For more information, please give us a call at: 1-800-994-6671
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( 2.9 / 213 )Medicare Supplemental Insurance Plans
As more and more baby boomers are heading into their retirement years, they must decide what type of Medicare Supplemental Insurance Plan is right for them.
Once they turn 65, they have access to Medicare health coverage as long as their enrolled in Medicare Part A and Medicare Part B.
We receive calls weekly from Seniors that are literally “flooded” from insurance companies asking for their Medicare Supplemental Insurance business. At this point, many Seniors become very confused with all of the different options that are available to them.
That’s why is more important than ever for Seniors to rely upon experience knowledgeable insurance agents that know the North Carolina Medicare Supplemental Insurance marketplace. By placing their trust in an experience agent, will insure that they will make the right decision concerning their future health insurance needs. Seniors can rest assured that their agent will be there for them in the future to help and answer any questions or problems that may arise.
McLeod Insurance Agency, LLC has been serving North Carolina residents with their insurance needs since 1971. Over the years, we have seen lots of insurance companies come and go in this market. A lot of companies will come in with a “cheap” rate to get consumers to buy their product but after a couple of years their premiums will increase dramatically! Thus, leaving Seniors with a difficult task of having to reapply with other insurance companies to try and help lower their premiums.
For more information on Blue Cross and Blue Shield of North Carolina(R) Medicare Supplemental Plans, please visit our website at: www.NCHealthBenefits.com
Ray McLeod
Agent
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( 3 / 206 )We are often asked from new and potential health insurance clients, What is a Pre-Existing Condition?
Blue Cross and Blue Shield of North Carolina(R) defines a Pre-Existing Condition as those which medical advice, diagnosis, care or treatment was received or recommended within 12 months of the date that the BlueAdvantage or BlueOptionsHSA coverage begins.
The individual may receive credit toward the 12-month waiting period if Blue Cross and Blue Shield of North Carolina(R) receives their completed BLue Advantage(R) or BlueOptionsHSA(SM) application within 63 days of the termination of their previous health coverage.
For more information on this topic, please download a Blue Advantage(R) or BlueOptionsHSA(SM) brochure from our website: www.NCHealthBenefits.com
Todd McLeod
"Authorized" BCBSNC(R) Agent
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( 3 / 204 )FACT: BENEFITS are not always important to us until we need them!
Blue Cross and Blue Shield of North Carolina's(R) Blue Advantage(R) individual health insurance remains the best health insurance value for consumers in the North Carolina marketplace!
Recently, we had a client who was on vacation here in N.C. with his family when he suddenly had a kidney stone attack. The client was rushed to the nearest hospital for treatment. I believe the total cost of the emergency room visit was $3200.00. Our client paid his Blue Advantage(R) Emergency Room Co-Payment of $150.00. Blue Cross and Blue Shield of North Carolina(R) paid the remaining balance of his bill at 100%.
This is just 1 of the many BENEFITS you get with Blue Advantage(R)!
Get the BENEFITS you want and deserve!
Catastrophic Illnesses are REAL!
QUALITY coverage begins with working with an experience AGENT that can help "GUIDE" you with the right protection that best meets your needs.
View all of the health plans that Blue Cross and Blue Shield of North Carolina(R) offers at our website: www.nchealthbenefits.com
We have been serving North Carolina residents since 1971.
Todd McLeod
Agent
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( 3 / 191 )Our agency is constantly taking calls from senior citizens all across North Carolina who is wanting to know when they can change their Medicare Prescription Drug Plan(referred to as Medicare Part D). The Annual Enrollment Period for Medicare Part D is from November 15 to December 31st of each year. During this period, everyone entitled to Medicare Benefits under Part A or enrolled in Part B is eligible to switch to another Medicare Prescription Drug Plan that is offered in the North Carolina service area on a "guaranteed" basis with no waiting periods. However, the new Benefits will not start until January 1st.
Newly eligible individuals who is now "eligible" for Medicare can purchase a prescription drug plan at that particular time of eligibility. Under limited circumstances, a person who has moved out of their plan's service area, would have an opportunity to choose another drug plan that serves his/her new area.
For more information on these type plans, pleae give us a call at 1-800-994-6671.
Todd McLeod
Agent
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( 3 / 199 )NC Health Insurance Agency, McLeod Insurance Agency, LLC, of Asheboro North Carolina, has launched NCHealthbenefits.com (http://www.nchealthbenefits.com/) which allows health insurance applicants in North Carolina to rates or request quotes.
Health insurance agency in Asheboro North Carolina, McLeod Insurance Agency, LLC., recently launched their new web sites, NCHealthbenefits.com (http://www.nchealthbenefits.com/) to allow interested health insurance applicants to request quotes online or review health insurance rates.
As more people are turning to the internet to shop for affordable health insurance in North Carolina, the agency that has been helping people find insurance since 1971 can now reach out to the NC health insurance shoppers on the internet. The new web site includes a variety of features to not only help people find affordable health coverage but also educate them on health insurance.
Upon entering the web site, users can read about the top nine things to know about buying health insurance in North Carolina. This short checklist allows McLeod Insurance Agency to use there thirty six years of experience to help health insurance applicants to start their health insurance shopping with a brief crash course on what to know.
Health insurance applicants in regions of North Carolina such as Asheville, Charlotte, Greensboro, Greenville, Hickory, Raleigh, and Fayetteville can instantly view rates via the regional quotes pages located on the home page of NCHealthbenefits.com. To get the most accurate information, McLeod Insurance Agency recommends the quote request form.
Since the web site launching at the first of July 2007, users have already started experiencing the benefits of using the online quote tool as the most convenient way of shopping for health insurance in North Carolina.
The web site will soon be home to a North Carolina health insurance blog where the experience insurance professionals of McLeod Insurance Agency will keep blog users updated on things happening with the health insurance market in North Carolina and other valuable information.
For more information visit http://www.nchealthbenefits.com.
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( 3 / 237 )#1. Check out the Financial Rating of the health insurance carrier.
(We highly recommend a carrier with a “A” rating or higher.)
#2. Is health insurance carrier totally committed to the N.C. Health Insurance Market?
Find out how long they have been selling their current health insurance product in N.C.
Find out what would happen to your coverage, if the health insurance carrier decided to “stop” writing insurance in N.C. & “pull out” of our state.
#3. Will your “personal” physician & “local” hospitals accept health insurance carrier’s plans.
ALL plans penalize you for using out-of-network doctors & hospitals.
Research ALL In and out-of Network Benefits
#4. Will health insurance carrier’s health plan “limit” you to the # of visits you can use your co-payment benefit in a calendar year?
A lot of health plans offered in N.C. put certain “limits” on how many visits you can use their co-payment options.
#5. Make sure “you” the “insured” DISCLOSE all health information about yourself & other family members that are applying for coverage on the health insurance carrier’s application.
Failure to “disclose”, can cause serious problems for “you” in the future & will most likely see your health insurance carrier “deny “ your claim.
#6. Read ALL policy “Exclusions” & “Limitations” before buying a health insurance policy.
Make sure you know what ”benefits” are covered and the one’s that are “excluded” or “limited”.
#7. Research the Prescription Drug Benefit
Find out what the “maximum” benefit that is provided by carrier’s plan per calendar year.
#8. If the health insurance carrier’s “benefits” plan your looking at seems to be too expensive, look at possibly raising your “deductible” & “co-payment” options to get your “premiums” more affordable.
Most carrier’s offer considerable rate “reductions” for High Deductible health plans.
Higher Deductible health plans offer consumers more stable & consistent rates.
#9. If you need “help” or “advice” in the future, who will be there to assist you?
Purchase your coverage from a “reputable” insurance agent who has been in the insurance business for several years & knows the N.C. health insurance market!!
Buying coverage from an “Authorized” agent doesn’t cost “you” the “consumer” any additional premium than if you purchased the coverage directly from the health insurance carrier’s website!!!
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