North Carolina Medicare Part D

2. • While Medicare Part A and B cover many hospital and medical needs for individuals, prescription coverage is limited. North Carolina Medicare Part D is available for those who already have Medicare Part A and/or B through a private insurance carrier. Individuals may also decide instead to go with a Medicare Advantage plan, also known as Medicare Part C, that includes North Carolina prescription insurance. Choosing between these two options can be a difficult task, and often the choice you make can have lasting, difficult to reverse, consequences. • At Independent Benefit Advisors, we have years of experience helping people determine which Supplemental medicare plan, Medicare Advantage, and Medicare Part D North Carolina options will best suit them. We are here to assist you, and will provide comparative pricing and cost analysis based on your specific health care needs.

3. Medicare Part D: • Medicare Part D plans are designed to fill the gap between Medicare coverage and out-of-pocket costs for those whose health care requirements may be more extensive. • North Carolina Medicare Part D, also referred to as PDP, will provide a drug policy to help pay for your prescription medicine costs. • This may seem fairly straightforward, but North Carolina prescription insurance through Medicare Part D varies in cost and availability dependent on the county in which you reside. Additionally, North Carolina Medicare Part D uses “tiers” for prescription drug coverage, with each tier having different prescription drugs and costs.

4. • In other words, the prescription medicine you need may be one price in one tier or group of tiers, a higher or lower price in others, and not covered at all in others. • For those who need more than one prescription medicine regularly, choosing a plan that best suits their needs can be overwhelming. • Thankfully, Independent Benefit Advisors can do the comparing for you. At IBA, we are able to determine which Medicare Part D North Carolina prescription insurance plan is best for you.

5. Contact Information: • Phone: (919) 303-9690 • Toll Free: (888) 303-9690 • Fax: (919) 303-9691 • Web: http://www.thebenefitadvisors.com