What is Medicare, and am I eligible for it?

Medicare is federal health insurance for those 65+ or with certain disabilities. Eligibility depends on age, disability, and U.S. residency.

What is the difference between Medicare Advantage and Medigap?

Medicare Advantage combines Part A, B, and sometimes D into one plan, while Medigap covers costs not included in Original Medicare (A and B).

When should I enroll in Medicare?

You should enroll during your Initial Enrollment Period, which starts 3 months before you turn 65 and ends 3 months after.

What does Medicare Part D cover, and how does it work?

Medicare Part D provides prescription drug coverage through private plans, either standalone or as part of Medicare Advantage.

How can I find the best Medicare plan for my needs?

We offer free consultations to compare Medicare plans and help you choose the best one based on your health needs and budget.

Does Medicare cover dental and vision care?

Original Medicare doesn’t cover routine dental and vision care, but many Medicare Advantage plans include these benefits.

What is the difference between term and whole life insurance?

Term life covers you for a set period, while whole life offers lifetime coverage and builds cash value.

Can I switch my Medicare plan after I enroll?

Yes, you can switch plans during the Annual Enrollment Period (October 15 to December 7) or if you qualify for a Special Enrollment Period.

What is the Medicare Savings Program?

The Medicare Savings Program helps low-income individuals pay for Medicare premiums, deductibles, and coinsurance.

Are there any hidden costs in Medicare?

Medicare has out-of-pocket costs such as premiums, deductibles, and co-pays, which can be minimized with additional coverage like Medigap or Medicare Advantage.

Raleigh Medicare Agent – Trusted Local Medicare Help

Medicare Insurance Agent in Raleigh, NC

Item: The Modern Medicare Agency
Rating: 4.8
Author: admin

Schedule Your Free Consultation

New to Medicare in Raleigh? Already Enrolled? Turning 65? I'm Here to Help.

Whether you’re turning 65, working past 65 and transitioning off employer coverage, already on Medicare and considering a change, or under 65 on disability, you deserve clear guidance — not confusion.

And with the Annual Enrollment Period ending December 7th, now is the time to make sure you’re in the right plan for 2026.

I proudly help every type of Medicare consumer in the Raleigh area:

Turning 65

Medicare eligibility, enrollment timelines, and plan options explained clearly for Raleigh residents

Still working past 65

Guidance on coordinating Medicare with employer health insurance coverage

Retiring after 65

Avoid coverage gaps, penalties, and costly Medicare enrollment mistakes

Already on Medicare

Annual plan reviews, cost comparisons, and Medicare Advantage or Supplement evaluations

Under 65 with disability

Support for Medicare eligibility and plan options for disabled individuals

Caregivers & family members

Helping families understand Medicare benefits, coverage choices, and changes

Why Raleigh Residents Choose Paul Barrett for Medicare

Medicare Advantage Plans in Raleigh, NC

Raleigh residents have access to a wide range of Medicare Advantage (Part C) plans offered by several insurance carriers across North Carolina. These plans combine Medicare Part A (hospital) and Part B (medical) coverage, and many include prescription drug coverage (Part D) along with added benefits such as dental, vision, and hearing. Choosing the right Medicare Advantage plan in Raleigh depends on your doctors, medications, preferred hospitals, and total out-of-pocket costs — not just the monthly premium.

I Represent These Top Medicare Advantage Carriers Serving Raleigh:

Why So Many Medicare Plan Choices Matter

Not all Medicare Advantage plans are the same. Some may offer low premiums but have limited provider networks or higher out-of-pocket costs. Others may cost more monthly but provide better coverage and long-term savings.

During our phone or virtual consultation, here’s what I review for Raleigh residents:

Overwhelmed by Choices?

Let me do the heavy lifting. I’ll compare all 50+ plans based on YOUR doctors, prescriptions, and budget—then present you with the top 2-3 options that make sense for your situation.

Medicare Supplement Plans in Raleigh, NC

Prefer the freedom to see any doctor or specialist nationwide who accepts Medicare—no networks or referrals required? A Medicare Supplement (Medigap) plan may be the right fit. North Carolina offers standardized Medigap plans, and I work with 12+ top carriers to help Raleigh residents find competitive rates and dependable coverage.

Raleigh Medigap Carriers I Represent:

UnitedHealthcare (AARP)

Blue Cross Blue Shield of North Carolina

Aetna

Humana

Cigna

Mutual of Omaha

Manhattan Life

American Retirement Life

Bankers Life

Additional carriers

Transamerica

Bankers Life

Multiple carriers = competitive rates and stable pricing over time

Raleigh Unique Medigap Advantages

Understanding Medigap Pricing in Raleigh

Guaranteed Issue Rights

Important: Medigap premiums can increase over time due to inflation and healthcare costs. Choosing a carrier with a strong rate history is essential.

Plan G

Comprehensive Coverage

High Deductible Plan G provides the same comprehensive benefits as Plan G once the annual deductible is met, but with lower monthly premiums. This option is ideal for those who want strong protection against major medical expenses while keeping premiums down.

Best for: Those who want predictable costs and maximum coverage.

High Deductible Plan G

Smart Savings

Plan N offers lower premiums than Plan G in exchange for modest cost sharing, such as small copays for certain office visits and emergency room use. It’s a popular middle-ground option for those comfortable with limited out-of-pocket costs.

Best for: Healthy individuals seeking catastrophic protection at a lower cost.

Plan N

Balanced Option

Best for: Those balancing premium savings with good coverage.

Want to See Actual Rates?

I compare prices from multiple Medigap carriers so you can make an informed decision. Many Raleigh residents are surprised at how affordable Medicare Supplement plans can be.

Medicare Part D Prescription Drug Plans in Raleigh, NC

Raleigh residents can choose from multiple standalone Medicare Part D plans. If you have Original Medicare and don’t enroll in a Part D plan when eligible, you may face late enrollment penalties.

Finding the Right Part D Plan

In Raleigh, the “best” Part D plan isn’t necessarily the one with the lowest monthly premium. The right plan is the one that covers your specific medications at the lowest total yearly cost. While a plan may seem affordable at first, it could end up costing more if your prescriptions fall into higher tiers. It’s important to evaluate the entire cost, including deductibles, co-pays, and the formulary, to ensure you choose the plan that offers the best overall value for your needs, rather than just a low monthly premium.

I'll Help You Compare:

Whether your current prescriptions are covered in Raleigh, NC.
How your medications are classified (generic vs. brand-name tiers).
Your estimated total annual cost (premiums, deductibles, and copays).
Preferred nearby pharmacies (CVS, Walgreens, and local Raleigh pharmacies).

Important: Part D plans can change formularies every year. Reviewing your plan annually helps ensure you’re still getting the best value.

Free Consultation

We’ll meet by phone or Zoom—whatever’s most comfortable for you. No cost, no obligation.

Understand Your Needs

I’ll ask about your doctors, prescriptions, budget, and health priorities. The more I know, the better I can help.

Compare Your Options

I’ll show you side-by-side comparisons of the plans that fit your situation—from all carriers I represent, not just one company.

Enroll with Confidence

Once you’ve chosen the right plan, I’ll handle the enrollment paperwork and make sure everything is submitted correctly.

Ongoing Support

Your coverage starts, and I remain your resource for questions, claims issues, or annual reviews. I’m here for the long haul.

How Working with Paul Barrett Works

Free Consultation

We’ll connect by phone or Zoom whatever works best for you. There’s no cost and no obligation for Raleigh residents.

Understand Your Needs

I’ll ask about your doctors, prescriptions, budget, and healthcare priorities. The more I understand your situation, the better I can guide you

Compare Your Options

I’ll walk you through side-by-side comparisons of Medicare plans that fit your needs — from multiple carriers, not just one insurance company.

Enroll with Confidence

Once you choose the right plan, I’ll take care of the enrollment process and ensure everything is submitted correctly and on time.

Ongoing Support

After your coverage begins, I remain your go-to resource for questions, claims assistance, plan changes, and annual Medicare reviews. I’m here long-term.

All of This Costs You $0

You may be wondering how this service is free. The answer is simple: I’m compensated by the insurance carriers when you enroll, but you pay the exact same premium whether you work with me or enroll directly. The difference? With me, you get expert guidance, access to multiple carriers, and ongoing local support. Enrolling on your own means navigating Medicare alone.

Common Medicare Questions from Raleigh Residents

Get answers to the questions I hear most often from NC Medicare beneficiaries

Which is better in Raleigh: Medicare Advantage or Medicare Supplement?

There isn’t one “best” plan. Medicare Advantage plans may offer extra benefits like dental, vision, and $0 premiums, while Medicare Supplement (Medigap) plans give broader access to doctors and more predictable out-of-pocket costs. We help you compare both options based on your doctors, prescriptions, and budget so you can make the best choice.

Why do plan options vary so much between Raleigh neighborhoods?

Medicare Advantage and Part D plan availability depends on ZIP code, carrier participation, and local provider networks. Your neighborhood can affect premiums, coverage, and which doctors or hospitals are in-network.

Is my doctor or hospital in-network on Medicare Advantage in Raleigh?

Network participation varies by plan. We check your preferred doctors and hospitals—including Atrium Health, Novant Health, and other major Charlotte facilities—to make sure they’re in-network before you enroll.

Does Medicare cover the shingles vaccine?

Yes. Most Medicare Advantage plans with prescription coverage, as well as Part D, cover the shingles vaccine (Shingrix). Copay amounts vary by plan, and we help you find the lowest out-of-pocket cost.

What do Medicare Part A and Part B cost?

Part A is usually premium-free if you’ve paid Medicare taxes for 10 years. Part B has a standard monthly premium based on income. We explain all costs clearly so you know what to expect.

Do you help all areas of Raleigh?

Yes! I serve clients throughout Raleigh and Mecklenburg County, including Uptown, Matthews, Huntersville, Concord, and nearby areas.

Can I switch Medicare plans if I’m not happy in Raleigh?

Yes. During the Annual Enrollment Period or other special enrollment periods, you can change Medicare Advantage or Medigap plans. We guide you through your options so you can switch with confidence.

Which Medicare Advantage plans work best with Raleigh major hospitals?

Not all plans are equal. We review provider networks to ensure your preferred hospitals—including Atrium Health, Novant Health, and other major Raleigh facilities—are in-network. We also compare costs, medications, and extra benefits like dental, vision, hearing, fitness, and transportation.

What Raleigh Clients Say

Real stories from real people who found the right Medicare coverage with Paul’s help.

“After researching various advantage insurance plans, I felt frustrated and stressed making this decision by myself. Mr. Barrett came to the rescue. In several days he found a plan that best suited my needs. Plus, I don’t pay a premium! He was readily available to address all my concerns. I am a very satisfied client.”

“WOW..Paul is so attentive to details and ALWAYS quick to reply to my concerns. I would recommend him to everyone I know. I am trying. I really don’t post reviews, but he deserves anything i can do for him. Very Knowledgeable.”

“Paul is an awesome broker and spent a lot of time helping me understand what was the best plan to get. He even sent a package of brownies after our phone conversation..who does these kind of things anymore.. I highly recommend him!!”

“My Agent is Paul Barrett, I had a wonderful experience with him. He was professional, easy to talk to and very informative, as I knew nothing about getting medical insurance. Ive been telling family and friends about my experience and how satisfied I am. I also like the fact that he is available any time I might have questions. Thank you Paul”

“Paul is extremely good at what he does-helping people with their health insurance needs. He helped me tremendously. I found a good Humana Medicare Advantage Plan. He even helped me cancel a future-dated policy when my plans to move permanently to Tucson, AZ fell through. He’s very helpful-takes the time to answer all your questions, returns calls promptly-a real professional.”

“Paul is just the best to work with. He patiently guides you through the crazy maze of the medicare system. He encourages you to contact him with any questions or concerns. He is extremely knowledgeable, and provides all the information you need to make a good decision in choosing the plan that suits your needs. I could not have done it without his help! Thank you Paul!”

“When my Medicare Advantage plan suddenly stopped covering my doctors at Atrium Health, I had no idea what to do. I was frustrated, anxious, and worried I’d have to change all of my providers. A friend recommended I call Paul Barrett — and I’m so grateful I did. Paul took the time to understand my situation, walked me through all my options, and found a new plan that kept every one of my doctors in-network. He explained everything clearly, without pressure, and made the entire process effortless. If you live in Raleigh and your plan changes or your doctors fall out of network, call Paul. He truly knows this market and cares about getting you the right coverage. He saved me from losing the medical team I trust.”

— Patrick C.

Raleigh, NC

“When Medicare Open Enrollment came around, I was completely overwhelmed. Every commercial, every flyer, every phone call just added to my confusion. My biggest worries were keeping my doctors here in Raleigh and finding a plan that would actually lower my out-of-pocket costs. I didn’t know where to start — or who to trust. Paul took the time to explain my options in plain English. Thanks to Paul, I enrolled in a plan that keeps all my doctors AND saves me money every month. The relief I felt after our call was incredible. He made a stressful process simple and helped me feel confident in my choice. If you’re in Raleigh and feeling overwhelmed by Medicare, talk to Paul. He genuinely cares and makes the whole process so much easier.”

— Mary

Raleigh, NC

About Paul Barrett – Your Raleigh Medicare Expert

18+ Years

Experience

Paul has helped thousands of Medicare beneficiaries understand coverage and choose plans that fit their needs — with unbiased guidance and year-round support.

What sets me apart? I don’t work for any single insurance company. I’m an independent broker representing 10+ Medicare Advantage carriers and 12+ Medigap carriers. This means I can give you truly unbiased advice. My loyalty is to you—not to hitting sales quotas for a corporate office.

I believe in education over sales pressure. My role isn’t to push you into a plan you don’t need — it’s to help you clearly understand your options so you can make a confident, informed decision. Some clients need just 15 minutes to know exactly what they want. Others prefer multiple conversations before deciding. Both are perfectly fine. I work at your pace, not mine. When you work with me, you’re not just getting help during enrollment season. I’m available year-round to assist with claims questions, coverage changes, and annual plan reviews. Medicare can be confusing, and having a knowledgeable advocate on your side truly makes a difference.

— Paul Barrett

The Modern Medicare Agency

Medicare Insurance Agent in Raleigh, NC

Schedule Your Free Consultation

New to Medicare in Raleigh? Already Enrolled? Turning 65? I'm Here to Help.