Why Medigap Matters for North Carolina Teachers: What You Don’t Know Could Cost You

If you're a North Carolina educator preparing for retirement, you’ve likely heard about Medicare. But what many teachers don’t realize is this: Medicare doesn’t cover everything.

In fact, Original Medicare only pays about 80% of approved health care costs. That missing 20%? It could mean thousands of dollars in surprise bills—unless you have the right supplemental coverage in place.

That’s where Medigap comes in.

What Is Medigap?

Medigap (also known as Medicare Supplement Insurance) is designed to help fill the "gaps" in Original Medicare. It helps cover out-of-pocket costs like:

• Deductibles
  
  

• Co-payments
  
  

• Coinsurance
  
  

• Certain care when traveling outside the U.S.
  
  

This added layer of protection can be a game-changer—especially for retirees on a fixed income.

Common Mistakes NC Teachers Make with Medigap

Too often, we see educators make costly errors that could have been avoided with the right information. Here are the most common ones:

1. Waiting too long to enroll – Missing the Medigap Open Enrollment window can lead to higher premiums or denied coverage.
   
   

2. Confusing Medigap with Medicare Advantage – They are not the same. Medigap supplements Original Medicare; Medicare Advantage replaces it.
   
   

3. Overpaying for the wrong plan – Many teachers choose plans with more coverage than they need, wasting hundreds each year.
   
   

Watch the Replay: Medigap Secrets EXPOSED

We recently hosted a powerful episode of Retirement Ready titled “Medigap Secrets EXPOSED”—and the replay is now available.

In this episode, we broke down:
✅ The biggest Medigap pitfalls NC educators face
✅ How to compare plans without getting overwhelmed
✅ What to do now if you’re already on Medicare but unsure if you're overpaying

👉 Click here to watch the replay now.

If you’re serious about protecting your retirement from unexpected medical expenses, this session is a must-watch.

🛡️ Don’t Let Health Costs Derail Your Retirement

Your health care strategy in retirement is just as important as your pension or savings plan. Choosing the right Medigap policy could be the key to avoiding unnecessary financial stress down the road.

If you’re unsure where to begin or want help reviewing your options, schedule a free 15-minute consultation and let’s walk through it together.

👉 Schedule your call here: https://bit.ly/4440F9l

You’ve worked hard to earn a secure retirement. Let’s make sure health care costs don’t take that away.