Medicare Insurance in North Carolina, Made Clear
Dalton Insurance specializes in
Medicare insurance in North Carolina, helping Brevard and Transylvania County residents compare
Medicare plans in
Brevard NC with clarity. Our team meets seniors and eligible disabled individuals where they are, answers questions in plain language, and reviews doctors and prescriptions against plan options. As an independent Medicare agency in Brevard, we represent multiple carriers and always explain choices so you can decide with confidence.
How Medicare Works in Everyday Terms
Medicare Parts A, B, C, D explained
Part A covers hospital care. Part B covers outpatient and doctor services. Part C, known as
Medicare Advantage, is a private plan that combines Parts A and B and often prescription coverage. Part D is stand-alone prescription coverage. If you prefer to keep Original Medicare, a
Medigap policy can help with out-of-pocket costs.
Choosing between Advantage and Supplement
Many neighbors ask whether an Advantage plan or a
Medicare Supplement is the better fit. Advantage plans may include extras like dental or vision and have networks across Western NC. A Supplement (Medigap) pairs with Original Medicare and lets you see any provider who accepts Medicare nationwide. We’ll review your doctors, travel habits, and budget so the fit is clear.
Medicare for disabled individuals under 65
If you receive Social Security Disability, you may qualify for Medicare after 24 months of benefits. Dalton Insurance explains timelines, coordinates coverage in Brevard and Hendersonville, and reviews prescriptions to minimize costs while you transition. When your situation changes, we’ll revisit options at the next election window.
Services That Keep You Confident Year After Year
Free Medicare consultations
Sit down in our Brevard office or chat by phone. Bring your doctors and prescriptions, and we’ll do the homework.
Plan comparison and enrollment help
We compare multiple carriers, confirm provider networks from
Asheville to
Waynesville, and complete enrollment with you so nothing is missed.
Annual plan review
Plans change. So do needs. Each fall, we review changes to premiums, networks, and formularies to help you stay on the best fit.
Medicare Plans We Offer
Medicare Advantage Plans (Part C)
All-in-one plans that bundle hospital, medical, and often prescription benefits, with extras like dental or vision. We’ll confirm your primary care and specialists are in network across Western NC.
Medicare Supplement (Medigap) Plans
Coverage that helps pay deductibles and coinsurance under Original Medicare, with freedom to see any Medicare provider nationwide.
Medicare Part D Prescription Plans
Stand-alone drug coverage tailored to your medication list and preferred pharmacies in Brevard and Asheville.
What stage of Medicare are you?
When am I eligible for Medicare
Most people first enroll at 65 during the seven-month Initial Enrollment Period. Those on disability typically qualify after 24 months of benefits.
What does it cost to work with Dalton Insurance for Medicare help
There is no charge for our guidance. We are compensated by the carriers we represent.
What if I already have a plan and want to change
You can review options during the Annual Election Period each fall. Special Enrollment Periods may apply after certain life events.
Is there a penalty for late enrollment
Delaying Part B or Part D without other creditable coverage can create a late penalty. We will help you time enrollment correctly.
How do I choose between Advantage and Supplement
We compare costs, provider access, travel needs, and medications so you can pick a plan that fits your lifestyle.