
HEALTH PLANS FOR SENIORS
Unicare of North Carolina Medicare InsuranceAdvantage, Medigap Supplemental and Part D Prescription Drug Plans
The Original Medicare Plan is designed to cover many of the health care costs you may encounter as a senior. However, there are many expenses it fails to cover. You will generally have to pay some portion of nearly every medical expense you incur. Medicare supplemental insurance, also known as Medigap, is intended to fill in most of the coverage gaps left by Medicare Parts A and B. The Medigap plans, labeled by letters A through L, each offer different types and amounts of coverage. The challenge is to find out which plan, and which company, is right for you.
Medicare supplemental insurance plans are sold through private insurance companies in North Carolina and through the United States. As a result, companies have the freedom to choose which Medigap policies they want to offer, and at which prices they want to set their premiums. This can make shopping for a Medicare supplemental insurance slightly confusing; however, keep in mind the three most important questions to ask yourself while policy shopping:
- Do they have they plan I need?
- Is the pricing competitive against other premiums in North Carolina?
- Are they a reputable company with good customer service?
UniCare of North Carolina is an established and highly-trusted insurance company offering Medigap policies to senior resident of North Carolina. Despite turbulent economic times, they’re a financially strong company with an ‘A+’ rating from Standard&Poor’s, and an ‘A-‘ rating by A.M. Best. With UniCare, you enjoy direct access to the doctor, hospital, or health care provider of your choice rather than choosing from pre-selected network providers.
Upon enrolling, you won’t have to wait for coverage of pre-existing medical conditions – many insurance companies require up to six months before this coverage kicks in. Your coverage is guaranteed renewable each year, and UniCare of North Carolina will never cancel your Medigap policy for any reason other than non-payment.

