Medicare Plans in Charlotte, NC
Navigating Medicare can feel overwhelming—especially with all the plans, deadlines, and rules. At Thornton Insurance Solutions, we make Medicare simple, clear, and personalized.
Whether you’re turning 65, retiring soon, or trying to compare Medicare Advantage vs Supplement plans, we help you choose coverage that fits your health needs and your budget.
Why Charlotte Residents Trust Us for Medicare
✔ Local expertise
We serve the greater Charlotte area, including South End, University City, Huntersville, Concord, Pineville, Matthews, and Steele Creek.
✔ Independent, licensed Medicare advisor
We compare plans from top carriers—not one company—so you get unbiased recommendations.
✔ No-cost consultations
You never pay for our help. Carriers compensate us, never you.
✔ Personalized plan reviews
Every client receives a yearly coverage checkup before AEP.
Medicare Options We Offer in Charlotte
1. Medicare Advantage Plans (Part C)
Medicare Advantage plans combine:
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Part A (hospital)
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Part B (medical)
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Often Part D (prescription)
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Extras like dental, vision, OTC benefits, gym memberships
Good for people who want:
✔ Lower monthly premiums
✔ One bundled plan
✔ Extra benefits traditional Medicare doesn’t include
We help you compare plans available in Mecklenburg County.
2. Medicare Supplement Plans (Medigap)
These plans work alongside Original Medicare and help pay:
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Deductibles
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Coinsurance
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Copays
Good for people who want:
✔ More predictable costs
✔ Nationwide flexibility
✔ To see any doctor who accepts Medicare
Popular plans in Charlotte: Plan G and Plan N.
3. Medicare Part D Prescription Plans
We review your medications and help you choose a Part D plan that keeps your costs low—especially important with rising drug prices.
4. Special Medicare Plans
We also assist with:
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Dual Eligible (Medicaid + Medicare)
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Chronic Condition Special Needs Plans (C-SNP)
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Low-Income Subsidy (Extra Help)
Who We Help
You’re a good fit for Medicare guidance if you are:
✔ Turning 65
We guide you through timing, enrollment, penalties, and choosing your first plan.
✔ Retiring past 65
We explain when to leave employer coverage and how to avoid late penalties.
✔ Already on Medicare
We review your plan every year to make sure you're not overpaying.
✔ New to Charlotte
Your old Medicare plan may not work well locally—we’ll help you switch.
Medicare Enrollment Periods
Turning 65 (IEP)
Begins 3 months before your 65th birthday, and ends 3 months after.
Annual Enrollment Period (AEP)
October 15 – December 7
Review Medicare Advantage & Part D plans.
Open Enrollment (OEP)
January 1 – March 31
Make one Medicare Advantage change.
Special Enrollment Period (SEP)
For moves, job changes, or qualifying events.
Frequently Asked Questions
1. What’s the best Medicare plan in Charlotte?
There is no one “best” plan—your doctors, meds, and budget determine the right fit.
2. Do Medicare plans include dental?
Many Medicare Advantage plans do. Medigap does not but can be paired with dental insurance.
3. Can I switch my Medicare plan anytime?
Usually during AEP (Oct 15–Dec 7), unless you qualify for a Special Enrollment Period.
4. Do you charge for Medicare help?
No—our guidance is always complimentary.
5. How long does a Medicare review take?
Most consultations take 20–30 minutes.
Get Help With Medicare in Charlotte and all of North Carolina and South Carolina
Choosing the right plan doesn’t have to be confusing.
Let’s walk through your options—clearly and stress-free.
📞 980-346-4999
📩 tanya@tanyathornton.com
🌐 thorntoninsurancesolutions.com
Book your free Medicare consultation today.
Serving North Carolina and South Carolina
We proudly serve:
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Charlotte
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Huntersville
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Concord
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Matthews
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Pineville
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Mint Hill
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Ballantyne
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Lake Norman
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Steele Creek