Medicare Advantage (Part C)
All-in-one plans from private carriers that cover Part A and Part B, and often prescriptions and extra benefits like dental and vision.
DBS Insures · Independent agency
Insurance & Medicare guidance, in plain English
Medicare is confusing. Sitting with someone who knows it isn't. Nicky Adams has spent 10 years in insurance. She'll walk through your options with you, answer what you actually asked, and leave the decision where it belongs: with you.
Medicare
Medicare plans
Medicare choices can have lasting effects. Nicky explains the options, compares plans from several carriers, and helps you pick what fits your doctors, prescriptions and budget.
Medicare Supplement (Medigap)
Works alongside Original Medicare to help pay deductibles, copays and coinsurance, with the freedom to see any provider that accepts Medicare.
Part D prescription plans
Standalone drug coverage for people on Original Medicare. Nicky checks your medication list against each plan's formulary.
Annual plan review
Plans change every year. A yearly review during Annual Enrollment makes sure your plan still fits.
Key dates: Annual Enrollment runs October 15 – December 7, and changes take effect January 1. Turning 65 or losing other coverage may open a separate enrollment window. Browse plans in your area or book a Medicare review on dbsinsures.com.
Under 65
ACA & Marketplace health plans
Not on Medicare yet? Nicky helps individuals and families compare Affordable Care Act Marketplace plans and see whether they qualify for savings based on income.
Shop Marketplace plans- Individual and family coverage
- Help checking eligibility for premium savings
- Open Enrollment and special enrollment periods
- Plan comparisons by doctors and prescriptions
Life & retirement
Life insurance, annuities & retirement income
Protect the people who depend on you and plan income you can count on.
Life insurance
Term and permanent coverage, including final-expense policies sized to your budget.
Annuities
Options that can turn savings into a dependable stream of retirement income.
Tax-advantaged retirement
Strategies that can help reduce taxes on retirement income, coordinated with your tax picture.
For employers
Employee benefits
Small businesses can offer meaningful benefits without a big HR team. Nicky helps you compare group options and fits them alongside your bookkeeping and payroll.
Payroll & business accounting →Carriers: As an independent agency, DBS Insures works with several insurance companies, including Humana, UnitedHealthcare®, Aetna and Blue Cross NC. Ask Nicky which carriers offer plans in your area.
Important: We do not offer every plan available in your area. Currently we represent 4 organizations which offer 59 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options. DBS Insures · Toranique (Nicky) Adams, licensed insurance agent, License #17408987, licensed in North Carolina, South Carolina, Virginia, Georgia, Alabama and Arizona.
Questions
Insurance FAQ
Does it cost more to use an agent?
No. Plan premiums are set by the insurance company and are the same whether you enroll on your own or with an agent. Your consultation with Nicky is no-cost.
What should I bring to a Medicare appointment?
Your Medicare card, your current plan card, a list of your medications with doses, and the names of the doctors you want to keep.
Can you help me if I live outside North Carolina?
Nicky is licensed in North Carolina, South Carolina, Virginia, Georgia, Alabama and Arizona, and can meet by phone or video.
When can I change my Medicare plan?
During Annual Enrollment, October 15 – December 7, with changes effective January 1. Other windows exist for special situations; Nicky can tell you which applies.
More from DBS
Insurance sites & tools
MedicareDBS InsuresBook a Medicare plan review.dbsinsures.com
EventMedicare Update WebinarMondays at 6:30 PM during Annual Enrollment.workshops.dbsinsures.com
ToolBrowse Medicare plansCompare plans on PlanEnroll.planenroll.com
Real EstateMoving after 65?Coordinate your move with your coverage.real estate →