In Winston-Salem, North Carolina, there are 249,840 beneficiaries enrolled in Medicare plans. 113,836 of these enrollees have Original Medicare, while 54.44% have Medicare Advantage.
Keep reading to learn more about the supplemental plans available for Medicare in Winston-Salem, North Carolina?
Supplemental Medicare Plans in Winston-Salem, North Carolina
Supplemental Medicare plans are also known as Medigap plans. Medigap plans assist beneficiaries with extra costs that aren’t covered by other Medicare plans in North Carolina. In Winston-Salem, there are 45.78% male and 54.22% female enrollees, with an average age of 71.
Affordable Medicare Advantage Plans in Winston-Salem, North Carolina
In Winston-Salem, Medicare Advantage plans in North Carolina are a popular alternative to Medicare. People living in Forsyth County can select from 44 plans. In Winston-Salem, 136,004 beneficiaries are enrolled in Medicare Advantage plans.
All the Medicare Advantage plans in Winston-Salem have a premium of $0. The most affordable option is Aetna, which has a four-star rating (out of five stars). This plan is a local preferred provider organization (PPO) with a maximum out-of-pocket (MOOP) of $4,500.
Another affordable option is Wellcare, which is also a local PPO, similar to Aetna. This option has a MOOP of $5,550 and a three-star rating.
The plan with the highest star rating is UnitedHealthcare, with a perfect five stars. This plan is an HMOPOS, which stands for health maintenance organization (HMO) plan with added point of service (POS) benefits. This plan has a MOOP of $6,700.
| PLAN | PREMIUM | MOOP | Plan Type | Star Rating |
| UnitedHealthcare | $0 | $6,700 | HMOPOS | 5 |
| Apexhealth | $0 | $6,500 | HMO | N/A |
| Humana | $0 | $6,950 | REGIONAL PPO | 4 |
| Aetna | $0 | $4,500 | LOCAL PPO | 4 |
| Wellcare | $0 | $5,550 | LOCAL PPO | 3 |
As you’re considering Medicare Advantage plans, check out the top five Medicare Advantage plans of 2022.
Average Medicare Supplement Plans in Winston-Salem, North Carolina
North Carolina Medicare Supplement plans, or Medigap plans, help cover out-of-pocket costs, or gaps, in Medicare coverage. They can help you cover extra costs including copayments, coinsurance, and deductibles. Medicare supplement plan benefits do not change or vary by state, but the premiums do vary.
One of the most popular Medigap plans in Winston-Salem, North Carolina is Plan G. This plan’s lowest premium is $107.50, and the highest premium is $327.52.
Another popular Medigap plan option for residents living in Winston-Salem, North Carolina is Plan F. This plan’s lowest premium is $124.13. The highest premium on Plan F is $348.08.
A popular, yet affordable plan for Winston-Salem beneficiaries is Plan HDF. This plan’s lowest premium is $34. The highest premium for this plan is $77.68.
| LETTER PLAN | LOWEST PREMIUM | HIGHEST PREMIUM |
| PLAN A | $97.34 | $379.48 |
| PLAN B | $129.53 | $303.32 |
| PLAN C | $129.64 | $347.62 |
| PLAN D | $116.58 | $327.13 |
| PLAN F | $124.13 | $348.08 |
| PLAN HDF | $34.00 | $77.68 |
| PLAN G | $107.50 | $327.52 |
| PLAN HDG | $33.66 | $74.36 |
| PLAN K | $53.83 | $104.00 |
| PLAN L | $67.75 | $228.36 |
| PLAN M | $81.03 | $259.51 |
| PLAN N | $83.04 | $309.72 |
Medigap rates look different for each beneficiary. Here are the eight factors that will impact your Medigap rates.
Affordable Medicare Part D in Winston-Salem, North Carolina
Medicare Part D in North Carolina is a plan that covers prescription medication drugs. Once you enroll in Medicare, it’s recommended that you sign up for an affordable Part D plan. However, there are some Medicare Advantage plans that do include prescription drug coverage.
For beneficiaries living in Winston-Salem, the plan with the highest star rating is Humana with four stars. This plan has a $480 deductible, and it has a $22.70 premium.
A more affordable option is Aetna. This plan has a three-star rating. The deductible is $480, and the premium is $7.
A similar, affordable option comparable to Aetna is Wellcare. This plan is also rated three stars, and it has a $480 deductible. The premium for this plan is $12.90.
| PLAN | PREMIUM | DEDUCTIBLE | STAR RATING |
| Aetna | $7.00 | $480 | 3 |
| Wellcare | $12.90 | $480 | 3 |
| Clear Spring | $18.10 | $480 | 2 |
| Humana | $22.70 | $480 | 4 |
| Elixir | $29.00 | $480 | 3 |
Wondering why you might need a Part D plan? Learn about the Medicare coverage gap.
Medicare Special Needs Plans in Winston-Salem, North Carolina
Special Needs Plans (SNPs) are a subset of Medicare Advantage plans. SNPs are available to people with special needs and chronic disabilities. These plans are not available in all areas.
In Winston-Salem, North Carolina, the most affordable SNP is provided by Wellcare. This plan is a local PPO with a $0 premium. The MOOP is $3,450.
Another affordable option ifor Winston-Salem residents is provided by Liberty. This plan is a health maintenance organization (HMO) with a $0 premium. This plan has a $5,000 MOOP.
Finally, another affordable option is Alignment (HMO). This plan has dual-eligibility, and it has a premium of $0. The MOOP for this plan is $6,700.
| PLAN | PREMIUM | MOOP | Plan Type | Eligibility |
| Liberty | $0 | $5,000 | HMO | Institutional |
| Alignment | $0 | $6,700 | HMO | Dual |
| Aetna | $0 | $7,550 | HMO | Dual |
| BCBS of North Carolina | $0 | $7,550 | HMO | Dual |
| Wellcare | $0 | $3,450 | LOCAL PPO | Dual |
FAQs
How can you Apply for Medicare Coverage in Winston-Salem, North Carolina?
To apply for Medicare coverage, you can apply online, by telephone, or at your local office. You can also visit your local Social Security Administration (SSA) office, but this will only help you enroll for Medicare Parts A and B.
Is Medigap Cheaper than Medicare Advantage in Salem, North Carolina?
Generally, Medigap premiums are higher than Medicare Advantage premiums, but there are lower out-of-pocket expenses. To figure out the best plan for you, calculate how much you expect to pay for healthcare over the next year. Then, compare that to your annual premium cost.
Do Medigap Premiums in Salem, North Carolina Increase With age?
No, Medigap Premiums do not increase with age. Every single beneficiary on a Medigap Plan will be charged the same amount, regardless of age. Premiums may increase because of other factors, such as inflation, but not because of your age.
Do Medigap Premiums Increase Every Year in Salem, North Carolina?
Typically, yes. Medigap premiums do increase every year.
How Long Before you Turn 65 can you Apply for Medicare in Salem, North Carolina?
You can apply for Medicare three months before you turn 65. Don’t apply before then, or you will have to reapply.
How to Sign Up for Supplemental Medicare in Winston-Salem
Finding the right plan in Charlotte, North Carolina can be challenging and time-consuming—but it doesn’t have to be. To make your life easier, we can help you find a plan that works best for you. Give us a call or fill out the form to get started.
