How Dalton Insurance supports your decision
Plan comparison across carriers
We review plan benefits, star ratings, and provider networks side by side so the best fit stands out.
Straightforward enrollment support
From initial eligibility to Annual Election, our team completes applications with you and provides status updates.
Ongoing annual reviews
Each year we reassess premiums, networks, and benefits to confirm your plan still fits your life in Western NC.
Points to Consider Before You Choose
HMO vs PPO vs PFFS
Understand referral rules, network flexibility, and how out-of-network care works if you travel or split time between locations.
Comparing extra benefits
Dental, vision, hearing, over-the-counter allowances, and fitness perks vary. We help you prioritize what actually matters.
Out-of-pocket protection
We review maximums and copays next to Medigap alternatives so you can evaluate total cost of care.
Answers to Common Advantage Questions
Can I use any doctor with Medicare Advantage
HMO members must stay in network except for emergencies. PPO members have more choice but pay more out of network.
What happens if I want to switch back to Original Medicare
You can change during the Annual Election Period. Some clients move to a Medigap plan if they qualify for underwriting or a guaranteed issue right.
Do Medicare Advantage plans cover prescriptions
Most are MAPD plans with built-in drug coverage. If yours does not include drugs, you will need a separate Part D plan.