Annual Enrollment Period · Oct 15 – Dec 7, 2026
Carriers have sent their Annual Notices of Change and 2027 brochures. Before you auto-renew, we compare your premium, copays, network, and drug list so you know exactly what is changing.
Medicare Agent · Charlotte, NC
Turning 65, or the mailers already stacking up? We compare Medicare Supplement and Advantage plans against your doctors and prescriptions — no cost to you, no pressure.
Annual Enrollment: Oct 15 – Dec 7. Book your review early to beat the rush.
Capital Insurance Agency has helped neighbors across Charlotte, Matthews, Ballantyne, and Mecklenburg County navigate Medicare since 1996 — Medicare Supplement (Medigap), Medicare Advantage, and standalone Part D. Whether you're turning 65, helping a parent, or reviewing a plan that stopped working, we sit down with you (in person at our Sardis Road office, on the phone, or on video) and put a real recommendation on the table.
You'll need to be enrolled in Medicare and have your red, white, and blue A&B card handy — it's the one thing we need to set up a Supplement or Advantage option for you.
Not sure which route is right? A Supplement gives you nationwide freedom of choice, while Advantage plans often add extra benefits within a network. We'll walk through both with you — no pressure.
Personalized Medicare guidance
Medicare isn't one-size-fits-all. Your doctors, your prescriptions, your budget, and how often you travel all change the answer. We offer free, one-on-one consultations — in person at our Charlotte office, over the phone, or by video — to help you find the plan that actually fits your life.
Visit us: 1811 Sardis Rd N, Ste 207, Charlotte, NC 28270
We'll look at your current coverage, your doctors, and your medications, then walk you through every option — Supplement, Advantage, and Part D — in plain English.
No call centers, no rotating reps. You get a licensed Charlotte agent who knows your name, your situation, and the local doctors and hospitals you actually use.
Our help is free because carriers compensate us. Your premium is the same whether you enroll through us or directly — but with us, you have an advocate all year.
Who this page is for
Every carrier wants your attention right now. Here's how we'd start: one 20-minute call, we list your doctors and prescriptions, and by the end you'll know whether a Supplement or Advantage plan fits your life — before you sign anything.
Bring your questions and, if you can, your parent's red, white, and blue Medicare card. Here's how we'd start: we'll walk through both routes together in plain English, at their pace, and put the decision in their hands — not the mailer's.
That's a valid reason to look at a change, and there may be a Special Enrollment window open for you. Here's how we'd start: send us your current plan and your must-keep providers — we'll tell you what your real options are.
Medicare, in plain English
Medicare is one program with several moving pieces. Here's what each one actually does.
Inpatient hospital stays, skilled nursing after a hospital stay, hospice, and some home health. Most people get Part A premium-free because they (or a spouse) paid Medicare taxes while working.
Doctor visits, outpatient care, preventive services, and durable medical equipment. Comes with a monthly premium set by Medicare. This is the part you can be penalized for delaying without a valid reason.
A private plan that bundles Parts A and B — usually plus prescription drugs, and often vision, dental, and hearing. You get everything through one card, but you stay inside that plan's network.
Standalone prescription drug coverage from a private carrier. If you go with a Supplement, this is a separate plan you add on. Advantage plans usually include it.
A private plan that pays what Original Medicare doesn't — copays, coinsurance, and deductibles. Any doctor that accepts Medicare accepts it. Predictable costs, no networks.
Supplement vs Advantage
The right one is the one that fits your doctors, your prescriptions, and how you actually use care. Here's what each tradeoff really means.
Doctor & prescription drug network check
A Medicare plan is only good if your doctor is in it and your prescriptions are covered. That's the part mailers skip. Send us your provider names and your medication list and we'll run them against every plan we offer — then show you which ones keep the care you already have.
Major carriers we check
20+ years
Checking Medicare networks and drug formularies for Charlotte neighbors
Since 2005
Placing Medicare Supplement, Advantage, and Part D coverage locally
1 check, free
No cost, no obligation — carriers pay us, not you
Every doctor you see
Primary care, specialists, and any surgeon you'd actually use — we confirm who is in network for each plan before we recommend one.
Every medication on your list
Each drug checked against the plan's formulary: what tier it sits in, your copay, and whether it needs prior authorization or step therapy first.
Your hospitals and facilities
Where you'd deliver care, have surgery, or use imaging — because a plan can cover your doctor and still not cover your hospital.
Your pharmacy
Chain or independent, local or the one you use at a second home — we confirm it's in network before you commit.
What you'd actually pay
Premium, deductible, the coverage gap, and the plan's yearly out-of-pocket maximum — written down so you can compare side by side.
What changed since last year
We read your Annual Notice of Change line by line and flag every premium, copay, network, and drug-list change before you renew.
Bring with you: your medication list (or the bottles), the names of your doctors and specialists, your pharmacy, and your red, white, and blue Medicare card.
Or call 704-545-7000Medicare enrollment windows for Charlotte, NC neighbors
Miss the right window and you can pay for it — literally — for the rest of your life. Here's when each one opens.
3 months before your birthday month, your birthday month, and 3 months after. Signing up in the first 3 months means coverage starts the first day of your birthday month.
→ Call us before this window opens.
The main window to switch between Original Medicare and Advantage, change Advantage plans, or add/drop Part D. Changes take effect January 1.
→ Call us in September for a plan review.
If you're already on Advantage and it isn't working, you get one chance to switch to a different Advantage plan or drop back to Original Medicare.
→ Call us if your new plan isn't fitting.
Moving, losing employer coverage, qualifying for Extra Help, and other life events can open a Special Enrollment window outside the normal calendar.
→ Call us the week the change happens.
Set expectations honestly
Medicare is broad — but it isn't everything. Knowing the gaps up front is how you pick coverage that actually fills them, whether that's a Supplement, an Advantage plan with extras built in, or a standalone dental/vision policy on the side.
Beyond Medicare
Medicare doesn't cover routine dental, and it isn't life or cancer insurance. Allstate Health Solutions, an Allstate Company, offers all three — and you can quote them in one place through their secure enrollment portal in just a few minutes. Have questions first? Call us and we'll walk through the options with you.
an Allstate Company
Cleanings, fillings, dentures, and major work — the care Medicare doesn't cover. Standalone dental plans can start right away and work alongside any Medicare plan you already have.
Get a quick quoteA cancer diagnosis shouldn't drain your savings. These plans pay cash benefits directly to you — for treatment, travel, and everyday bills — so you can focus on getting better.
Get a quick quoteFinal-expense and term life coverage sized to your family's needs, often with simplified underwriting. It's easier to qualify than most people expect.
Get a quick quoteQuotes and enrollment run through the Allstate Health Solutions portal — an Allstate Company. Prefer a person? Call 704-545-7000 and we'll help you compare dental, cancer, and life options over the phone.
This is a marketing advertisement. We do not offer every plan available in your area. We do not offer all Medicare Advantage plans in your area, and we do not offer all Medicare Supplement (Medigap) insurance plans in your state. Enrollment in a Medicare Advantage plan requires enrollment in Medicare Part A and Part B. You may enroll in a plan from another insurer or with us.
To get information on all of your options, contact Medicare.gov, call 1-800-MEDICARE (1-800-633-4227), TTY users call 1-877-486-2048, or contact your State Health Insurance Assistance Program (SHIP) or local Area Agency on Aging. We are happy to help you compare the plans we do offer, at no cost to you.
We are compensated by the carrier when you enroll through us. Your premium is the same whether you enroll with us or directly.
Not connected with or endorsed by the U.S. government or the federal Medicare program.
Aetna, UnitedHealthcare, Humana, Cigna HealthSpring, and SilverScript are trademarks of their respective companies. Capital Insurance Agency is an independent agency and is not affiliated with or endorsed by any of those carriers.
Related coverage
Serving the Charlotte area
Free Medicare reviews in person at our Sardis Road office — or by phone and video — for neighbors in Charlotte, Matthews, Ballantyne, and across Mecklenburg County and nearby South Carolina.
Talk to a licensed agent who will compare carriers and tailor a policy to your needs — good record or bad, we can help.
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