Humana, Aetna, UnitedHealthcare, Blue Cross — we pull the real plan data for your ZIP code and compare premiums, copays, networks, and drug coverage side by side. Free, with a licensed local agent.
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We compare plans from Humana, Aetna, UnitedHealthcare, Blue Cross NC, and every other carrier in your county — so you see the full picture, not just one company's options.
Before recommending any plan, we verify your current providers are in-network and your prescriptions are on the formulary at the best cost tier. No surprises after enrollment.
We show you actual premiums, specialist copays, hospital costs, and out-of-pocket maximums — the numbers that matter when you actually use your plan.
Every carrier markets their plan as the best. Here's what actually matters when you're comparing Medicare Advantage options in the Triangle.
Most Medicare Advantage plans in Wake and Durham counties are either HMO or PPO. An HMO typically costs less but requires you to stay in-network and get referrals for specialists. A PPO gives you more flexibility to see out-of-network providers, but at a higher cost. The right choice depends entirely on how you use healthcare — and which network your doctors actually belong to. We check that before recommending either type.
Find out which fits your doctors →It's one of the most common questions — and the skepticism is fair. Medicare Advantage plans receive funding from the federal government based on your county and health profile. That subsidy allows many carriers to offer $0-premium plans with built-in dental, vision, and hearing benefits. The trade-off is that you're using a provider network rather than having open access like Original Medicare. For people whose doctors are already in-network, it can be an excellent deal — but it's not right for everyone.
See if $0-premium plans work for you →Plans change every year. Carriers adjust premiums, drop providers from networks, move drugs to higher cost tiers, and change copay structures — all without switching your plan for you. If you enrolled a year or two ago and haven't compared recently, you could be paying more for less. During the Annual Enrollment Period (Oct 15 – Dec 7) or the Open Enrollment Period (Jan 1 – Mar 31), you can switch to a better plan at no cost. We'll pull your current plan's latest details and compare it against every other option in your county.
Compare my current plan for free →One call. 15 minutes. We'll pull every Medicare Advantage plan in your county and show you exactly how they stack up — premiums, doctors, drugs, and total cost.