Medicare Should
Work For You.
Not Against You.
You lose your ACA plan at 65. You are required to move to Medicare. And if you miss the enrollment window, you pay a penalty for the rest of your life. We have helped thousands of families in the Carolinas navigate this transition — and we will walk you through every step at no cost to you.
You Did Not Call Them.
They Called You.
Every year, Medicare beneficiaries across North Carolina get calls from national call centers offering to "help" them switch plans. They do not know your doctors. They do not know your medications. They do not know your budget. They know their commission. And when your plan changes and something goes wrong — they are gone. We are not that. We are your neighbors. We were your ACA agent. And we will be your Medicare agent for life.
The Call Center Problem
A stranger calls, rushes you through an enrollment, and switches your plan — often without explaining what changed. Your doctors, your drugs, your costs — all different. Nobody warned you.
The Plan Confusion Problem
Medicare has Parts A, B, C, and D. Supplements. Advantages. D-SNPs. Most people have no idea what they have or what it covers until they need it. By then it is too late to change.
The Penalty Problem
Miss your enrollment window by even one month and Medicare adds a permanent penalty to your premium. It never goes away. Most people do not find out until they get their first bill.
We carry every major carrier in your area. We show you all of them. We match the plan to you — your doctors, your prescriptions, your budget. And we are here after enrollment, not just during it.
Brittany Best.
She Will Take the Time.
Brittany is ACA Marketplace and Medicare licensed, and she has personally completed over 50 Medicare enrollments in North Carolina. But what sets her apart is not a number — it is why she does this.
Nobody ever took the time to properly explain Medicare to Brittany's parents. They had coverage, but they did not understand what it covered, what it cost, or what benefits they were actually entitled to. They left money and benefits on the table because nobody sat down with them and walked through it.
"I will spend one hour with you. Two hours if that is what it takes. I am not in a hurry. I want you to leave knowing exactly what you have, exactly what it costs, and every benefit you are entitled to. That is what I wish someone had done for my parents."
— Brittany Best, Medicare AgentIf you are turning 65, already on Medicare, or you think you might qualify for a D-SNP plan — call Brittany. She will review your current coverage, compare every plan available in your area, and make sure you are not leaving any benefits behind.
📞 Call Brittany: (704) 557-0432Medicare Plans We Compare for You
We carry all major carriers in your area — Aetna, Humana, and UnitedHealthcare. We compare every plan side by side and show you exactly what each one covers before you decide anything.
Medicare Advantage (Part C)
Medicare Advantage plans replace Original Medicare and often include prescription drug coverage, dental, vision, and hearing — all in one plan. Many plans in the Charlotte area have $0 monthly premiums if you meet the income requirements.
- ✓ Replaces Original Medicare Parts A & B
- ✓ Often includes prescription drug coverage
- ✓ May include dental, vision, and hearing
- ✓ $0 premium options available for qualifying individuals
- ✓ Top carriers: Aetna, Humana, UnitedHealthcare
D-SNP Plans
If you have both Medicare and Medicaid, you may qualify for a D-SNP — a special Medicare Advantage plan with $0 premiums and significantly reduced cost-sharing. These plans are designed specifically for people who qualify for both programs.
- ✓ $0 monthly premium for qualifying individuals
- ✓ Reduced or $0 copays for most services
- ✓ Prescription drug coverage included
- ✓ Dental, vision, and hearing benefits
- ✓ Coordinates your Medicare and Medicaid benefits
The Dates That Change Everything
Medicare enrollment is not open year-round. Miss the wrong window and you either cannot enroll or you pay a penalty for life. Know your dates.
Initial Enrollment Period
The 7-month window around your 65th birthday: 3 months before, your birthday month, and 3 months after. This is your most important window. Miss it and you face permanent penalties.
Annual Enrollment Period
October 15 – December 7 every year. This is when anyone on Medicare can switch, drop, or add coverage. Changes take effect January 1. This is when call centers are most aggressive.
Special Enrollment Period
If you are still working at 65 and covered by an employer plan, you may qualify for a Special Enrollment Period when you retire. Timing matters — call us before you leave your job.
The late enrollment penalty for Part B is 10% added to your premium for every 12-month period you were eligible but did not enroll. It is permanent. It never goes away. Call us before your birthday month and we will make sure this never happens to you.
Do You Have Both
Medicare and Medicaid?
If you qualify for both Medicare and Medicaid, you may be eligible for a Dual Eligible Special Needs Plan (D-SNP) — one of the most comprehensive and affordable coverage options available. These plans coordinate your benefits from both programs into a single plan.
Many of our clients who are aging out of ACA and into Medicare are also Medicaid-eligible. If your income is near or below the Federal Poverty Level, you may qualify for a D-SNP with $0 premiums and $0 or very low copays.
- ✓ $0 monthly premium for qualifying individuals
- ✓ Prescription drugs, dental, vision, and hearing often included
- ✓ Coordinates Medicare and Medicaid benefits automatically
- ✓ Extra benefits like transportation and meal delivery on some plans
- ✓ Available through Aetna, Humana, and UHC in the Charlotte area
Do You Qualify for a D-SNP?
You must meet both requirements below. Eligibility is determined by your state Medicaid program.
Requirement 1: Medicare
You must be enrolled in Medicare Part A and Part B (Original Medicare).
Requirement 2: Medicaid
You must be enrolled in your state's Medicaid program. Income limits vary — generally at or below the Federal Poverty Level.
2026 Income Guidance (NC)
QMB: ~$1,255/mo individual • SLMB: ~$1,478/mo • QI: ~$1,660/mo. These are estimates — actual limits vary. Call us to check your exact eligibility.
What Happens When You Call Brittany
No pressure. No jargon. No rushing. Here is exactly what to expect.
She Picks Up
No voicemail maze. No hold music. Brittany answers and gives you her full attention — for as long as you need.
She Listens First
She asks about your doctors, your medications, your budget, and your current coverage before recommending anything.
She Compares Every Plan
Brittany pulls every plan available in your zip code — Aetna, Humana, UHC — and walks you through each one in plain English until you actually understand it.
You Get Covered
Enrollment takes minutes. And Brittany stays your agent year-round — not just during enrollment season.
Real Agents. Right Here in Your Community.
All three of our Medicare-licensed agents are local to the Charlotte metro area. You can walk in, meet them face to face, and get covered — no call center, no stranger on the phone.
Brittany Best
Debbie Lewis
Lynette Smith
Your Medicare Questions
Deserve Real Answers.
One call with Brittany and you will know exactly what you qualify for, what every plan covers, and what it costs. No pressure. No rush. No obligation.
📞 (704) 557-0432Charlotte, NC • Serving all of North Carolina • No cost to you
Right Choice Insurance is an independent broker and is not a federal or state Medicare website. This website is owned and operated by Freedom Financial Company LLC, a licensed insurance agency, NPN #19292142. All agents are licensed in their respective states. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options. *$0 premium plans are available to qualifying individuals based on income, location, and plan availability. D-SNP eligibility requires enrollment in both Medicare and Medicaid. Income limits are estimates and subject to change. By using this site, you acknowledge that you have read and agree to the Terms of Service and Privacy Policy.