Generation Health

Most Durham folks think Medicare decisions can wait until next year. That's when the phone calls start.

"Rob, I picked the wrong plan and now my heart specialist isn't covered. Can I switch?" Unfortunately, you're locked in for 11 months unless you qualify for special enrollment.

Or this one: "My drug went from $15 to $180 a month because I chose Medicare Advantage instead of Medigap." The difference between these two paths isn't just monthly premiums — it's how much you'll actually pay when you need care.

Medicare Advantage caps your costs but limits your doctors. Medigap gives you freedom but costs more upfront. Most people in North Carolina pick based on the wrong numbers and spend months frustrated with their choice.

The enrollment window closes December 7th. After that, you're committed to living with whatever decision you made — whether it fits your actual needs or not.

Your Medicare choice affects every doctor visit, every prescription, every medical bill for the entire year ahead. Getting it right the first time means peace of mind. Getting it wrong means counting days until you can switch again.

What questions do you have about Medicare Advantage versus Medigap before Durham's enrollment deadline? (828) 761-3326