Let J.Carter & Associates make it easy for you!

The process of applying and enrolling in Medicare and Social Security Retirement benefits can be challenging and confusing. Let Patriot Benefits help you navigate the maze of confusion. We send all Social Security Administration paperwork by certified mail and track the delivery to ensure your successful Medicare enrollment. We monitor the entire process and assist if any issues arise.

Medicare Supplement plans give you peace of mind about your healthcare coverage throughout your retirement. With a Medicare Supplement plan, you have total control over your choice of providers. There are no network restrictions or referrals needed, so you can choose any provider that accepts Medicare coverage.

Medicare Advantage (MA) plans combine all of the benefits of Original Medicare Part A (Hospital) and Part B (Medical), and in some cases, Part D (Rx) in a single plan. MA plans are offered through private companies and must be approved by Medicare. These plans can provide additional benefits such as hearing, dental, and vision, as well as health and wellness programs. Plans may use specific provider networks and preferred hospitals where you must receive your care to ensure that care is covered.

A Prescription Drug Plan (PDP) may help lower your prescription drug expenses and protect against higher costs in the future. PDP plans are offered only by private companies that have contracted with Medicare. Most PDP plans have an extensive network of pharmacies that includes mail delivery, specialty, retail, on-line ordering, long-term care and home infusion.

Other Services

We work with our clients to seek solutions aimed at their specific needs instead of a “one size fits all” approach.

Long Term Care

We can help you plan for the future in ways that provide

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Dental & Vision Insurance

100% preventative care coverage that includes two dental exams and cleanings per

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Individual Major Medical

With the ever changing complexities of the Affordable Care Act (ACA), choosing

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Life Insurance

Life insurance can not only help a family with final expenses, but

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Final Expenses

Being prepared for death means taking care of financial matters so your

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Home Insurance

Home insurance is one of the biggest investments you can make because

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          T. Phillips

          I cancelled all of my insurance coverage with other agencies after Joseph was able to secure better coverage (automobile, homeowners, etc.) for me at lower rates. I will recommend Joseph to other customers and continue to use him in the future. If you haven’t had the opportunity to discuss coverage options with Doris in Joseph’s office, or Joseph himself, give them a call today. You will be glad you did.

          J. James

          If you are searching for the best value in insurance then give Joseph a call. His knowledge, professionalism and genuine interest in finding his customers the best value for their dollar should serve as a model for all the other insurance brokers to follow!!!

          Rosemary W.

          Joseph is awesome! He did a great job in saving me a substantial amount of money for my secondary insurance! He made me comfortable in switching over to his company. He's professional, warm, friendly and caring. I know Joseph was on my side in making a big decision an easy and wise choice for me. Thanks, Joseph!


          Help you plan, prepare and protect
          what matters most.

          Great question, but no, you don’t have to wait until open enrollment unless you have a Medicare Advantage plan.

          Yes, all companies that are approved in NC & SC to provide supplemental insurance have the same standards for coverage.

          No, you are grandfathered in if you have the F plan, If you turn 65 in 2019 and after you aren’t offered the F plan so no worries.