Medicare · State of North Carolina
Medicare for North Carolina Residents
North Carolina has 2.0 million Medicare beneficiaries — and a fast-growing retiree population as Charlotte, Raleigh-Durham, and Asheville attract relocations from across the country. Ten Point Financial Group is a North Carolina-licensed independent Medicare agency. We help NC residents compare plans honestly — regardless of carrier or location.
2.0M
NC Medicare beneficiaries
$0
Cost to use a Medicare agent
Statewide
Charlotte · RDU · Asheville · coastal · rural
Why North Carolina
North Carolina's Medicare market has strong competition in Charlotte, Raleigh-Durham, and the Triad, with thinner networks in rural NC and the western mountains. Blue Cross NC dominates Medigap; Humana, UnitedHealthcare, Aetna, and Anthem compete heavily on Medicare Advantage. The right plan in Charlotte differs from the right plan in Asheville differs from rural eastern NC — we compare for your specific county.
How we help
Turning 65 in North Carolina
Your 7-month IEP window covers the months around your 65th birthday. We walk NC residents through Part A, Part B timing, Part D, and Advantage-vs-Medigap before you have to choose.
Charlotte + RDU Advantage Plans
These metros have dozens of plans available. Networks (Atrium, Novant, Duke Health, UNC Health) matter — we verify your providers before any recommendation.
Western NC + Coastal Coverage
Western and coastal NC often have thinner Advantage networks. Medigap becomes the better choice in many rural areas because Original Medicare works with any provider accepting Medicare.
Annual Plan Review (AEP)
Oct 15 - Dec 7 every year. We re-shop NC clients' plans annually because networks change, formularies change, your needs change.
Moving to NC
Many NC Medicare beneficiaries are recent transplants from Northern states. Moving triggers a Special Enrollment Period — we handle the transition at no cost.
Annual Enrollment: October 15 to December 7
Every fall, anyone on Medicare can change their Medicare Advantage or drug plan. Any change you make starts January 1. If you do nothing, your plan usually renews as is, even if its costs, network, or drug list changed. That is why a yearly review matters.
What to review before December 7
Your drugs against the plan's drug list
Plans update their drug lists each year. Check that every medication you take is still covered, and at what tier, at the pharmacy you use.
Your doctors and hospitals
Networks change. Make sure your doctors, specialists, and hospital are still in network for next year, not just this year.
Your total yearly cost, not just the premium
Add up the premium, deductibles, copays, and drug costs. A plan with a low premium can cost more over a year if you use a lot of care.
Extra benefits that changed
Dental, vision, hearing, and other extras can shrink or grow from year to year. Read your Annual Notice of Change, which plans mail each fall.
Frequently asked questions
Which Medicare Advantage carriers are strongest in North Carolina?+
Varies by metro. Charlotte: Humana, Aetna, UHC. RDU: similar. Rural NC: often limited. Blue Cross NC has a strong presence statewide for Medigap. We compare for your specific zip code.
Are NC Medigap rates competitive?+
Generally yes. NC Medigap rates are mid-pack nationally. Plan G and Plan N rates vary 25-50% between carriers for the same coverage — we shop multiple.
I'm moving to NC from up north — what do I do for Medicare?+
Moving triggers a Special Enrollment Period (SEP). You'll need to switch plans because your current plan may not work in your new NC zip code. We help new NC residents pick a plan that fits their new location at no cost.
Does North Carolina have any special Medicare protections?+
NC follows federal Medicare rules. There aren't special state-level Medigap protections like in Connecticut or New York. That makes the initial Medigap decision more important — switching off Advantage later often requires medical underwriting.
When is Medicare open enrollment in North Carolina?+
The Annual Enrollment Period is the same in North Carolina as everywhere else: October 15 to December 7. You can join, switch, or drop a Medicare Advantage or drug plan, and changes start January 1. We review North Carolina clients' plans each fall.
Learn more
Carriers We Represent
We're independent — we shop the market for the policy that fits, not the highest commission.
Carrier logos shown are trademarks of their respective owners. We work with additional regional carriers — ask about a specific plan.
Free North Carolina Medicare review
Tell us your NC county, doctors, and current prescriptions. We'll compare plans across carriers and recommend the one that fits.
Educational content only. Not financial, legal, or tax advice. All services are provided by licensed professionals. Coverage decisions depend on individual circumstances.