2024 Plan Details

Annual enrollment is here, and we have some new, exciting benefits to share – all made directly from community feedback. Get our 2024 enrollment guide to learn more about our plans and costs.

Featured Plans

Our Medicare Advantage plans do more than save you money on monthly premiums. They also deliver lower copays, additional prescription savings and more.



  • $0 Medical Deductible
  • $5** Primary Care Provider Visit
  • $3,200 Yearly Limit (not including Rx)



  • $0 Medical Deductible
  • $0** Primary Care Provider Visit
  • $2,800 Yearly Limit (not including Rx)

*Doesn’t include Part B premium, which is required for all Medicare plans. **This is the cost for in-network providers. †This is the in-network yearly limit. This plan has a combined (both in-network and out-of-network) yearly limit of $8,950. ‡This is the in-network yearly limit. This plan has a combined (both in-network and out-of-network) yearly limit of $5,450.

FirstMedicare Direct Member Perks

NEW! Benefits Mastercard® Prepaid Card (Flex Card)

Preloaded with coverage for services you use regularly.
Just swipe and go.

  • Fitness activities.
  • Vision hardware.
  • Over-the-counter products.

The Benefits Mastercard® Prepaid Card is issued by The Bancorp Bank, N.A., Member FDIC, pursuant to license by Mastercard International Incorporated. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. Card can be used for eligible expenses wherever Mastercard is accepted. Valid only in the U.S. No cash access.

Additional Perks

Have questions about switching Medicare plans?

Join us for an upcoming informational event. Whether attending online or in person, you’ll get useful information about plans, benefits, costs and more. Our Medicare experts are happy to answer your questions and help you make an informed Medicare decision.

See Events

Get the 2024 enrollment guide now.

Before you enroll in a new Medicare plan, make sure you have all the information. Download our free guide now.

Frequently Asked Questions

Here are some of the most common questions asked about FirstMedicare Direct Medicare Advantage coverage. For more topics and details, download our free 2024 enrollment guide.

  • Yes! They cover up to $3,000 a year for use on preventive dental services, like cleanings, X-rays and more at in-network providers. You may have a copay or coinsurance for some dental services. Check your Summary of Benefits.

    Our drug formulary (the list of drugs we cover) is available online at our pharmacy coverage page. There, you’ll also find helpful information, like how our coverage works, ways to save on costs and how to find an in-network pharmacy.

    Yes! POS Standard and POS Plus Medicare Advantage members can see any doctor who accepts Medicare. They also have access to Assist America®. This service connects you to prompt medical attention and helps make sure you’re admitted to reliable hospitals when traveling more than 100 miles away from home. With doctors, nurses and emergency medical technicians on staff, help is just a phone call away, 24 hours a day and 365 days a year.

    Yes! POS Standard and POS Plus virtual health coverage includes the ability to talk to a board certified doctor by phone or secure video through the On the Go app or, 24/7. You may also connect with your primary care provider or specialist over the phone or online with our telehealth benefit. Access varies by provider. Speak with your provider to determine availability. Copayment may apply.

    Yes! POS Standard and POS Plus members save money with the new over-the-counter (OTC) supplemental benefit from FirstMedicare Direct. This program uses a prepaid card attached to your plan, giving you an allowance of up to $140/year ($35 every three months, with no rollover) for commonly used OTC products.

    Yes! Get the most out of your fitness activities with Be Fit. You get to choose how you want to work out, and your $360-per-year Flex Card benefit will take care of the payment. Activities include fitness classes, gym memberships, golf, skiing, tennis and more.

    POS Standard and POS Plus plans offer many benefits and perks you can use every day. Whether you’d like to speak to a dietitian, want to quit smoking or need help understanding a recent diagnosis, we have teams to help you achieve your goals or get you back on track.

    Connect to a team of providers, like nurse practitioners, social workers, health coaches, dietitians, pharmacists and more, who work with your doctor to make sure you have the resources you need to stay healthy or work through your medical issues. The care coordination team reaches out to offer these services, but you can also request them if you’d like this personalized help.

Don’t see your question?

You can ask us directly. Click the “Chat With An Expert” icon to begin. We’re happy to help you find answers and solutions to your unique healthcare situation. Chat times are Monday – Friday, 8 a.m. to 5 p.m. local time.

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We are FirstMedicare Direct.

As a provider-owned insurance company, our top priority is your health and well-being. That includes giving you the information you need to make informed decisions about your Medicare Advantage coverage.

Customer service is our focus:

  • 85%

    of members stay with us from year to year.

  • 96%

    of issues are resolved by customer service representatives on the first call.

  • 90%

    of clean claims are processed within 10 business days.

  • 84%

    of our employer groups stay with us from year to year.

First Medicare Direct

FirstCarolinaCare Insurance Company’s plans are HMO and PPO plans with a Medicare contract. Enrollment in a FirstCarolinaCare Insurance Company plan depends on contract renewal. Out-of-network/non-contracted providers are under no obligation to treat FirstCarolinaCare members, except in emergency situations. Please call our customer service number or see your Evidence of Coverage for more information, including the cost-sharing that applies to out-of-network services. For accommodations of persons with special needs at meetings, call (888) 382-9781 (TTY 711). FirstMedicare Direct is a Medicare Advantage product offered by FirstCarolinaCare Insurance Company. Y0094_24_113348_M MDMKFC24-SHLlandpg-0623