Medicare Advantage Plans in North Carolina
Medicare Advantage plans in North Carolina offer a comprehensive alternative to Original Medicare (Part A for hospital care and Part B for medical services). These plans are provided by Medicare-approved private insurance companies, including FTJ Senior Insurance, and are required to deliver at least the same benefits as Original Medicare. Many plans also include extra perks like dental, vision, hearing, and wellness programs.
How Popular Are Medicare Advantage Plans in North Carolina?
Medicare Advantage is a popular choice for North Carolinians. According to the Centers for Medicare & Medicaid Services (CMS), over 1.2 million North Carolina residents are enrolled in a Medicare Advantage plan this past year, with more than 180 plan options available statewide. Whether you live in Charlotte, Raleigh, Greensboro, Durham, or a smaller community, it’s important to review your options and find the plan that fits your needs.
North Carolina also offers resources for Medicare beneficiaries, including local SHIP (State Health Insurance Assistance Program) offices for free counseling and support.
Prescription Drug Coverage with Medicare Advantage
Most Medicare Advantage plans in North Carolina include prescription drug coverage (Part D). For 2026, all plans follow CMS rules, including a $35 monthly cap for covered insulin, $0 cost-sharing for adult vaccines, and a $2,100 out-of-pocket maximum for Part D expenses.
How to Enroll in a Medicare Advantage Plan
The best time to enroll is during the Medicare Annual Enrollment Period (AEP), which runs from October 15 to December 7 each year. During this time, you can review your coverage, compare plans, and make changes for the upcoming year. Because plan benefits and prescription drug coverage can change annually, it’s important to review your options each year.
Let FTJ Senior Insurance Help You Compare Plans
At FTJ Senior Insurance, our licensed agents are here to help you review and compare Medicare Advantage plans in North Carolina. We’ll answer your questions, explain your options, and help you find the right coverage for your needs—at no cost and with no obligation to enroll.
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Call us today for a free quote and personalized assistance.