North Carolina Medicare Plans
If you're a North Carolina resident looking for information on health options, here are a number of available programs related to Medicare.
Medicare Supplement Insurance (Medigap) Policies
If you're looking for supplemental policies, North Carolina has a wide variety of private Medigap plans that can help cover Medicare costs and plug the gaps in your insurance. Medicare supplemental plans become available within a six-month enrollment period at age 65.
High-Risk Pool Information
North Carolina had its own high-risk insurance pool in place until 2014 and has now been fully integrated into the federal Health Insurance Marketplace, which has sliding fees based on income.
Mini-COBRA Policies (Small Group)
North Carolina has a form of mini-COBRA coverage, which according to North Carolina law gives you at least 18 months worth of limited coverage following a termination from your employment.
Medicare Savings Program
North Carolina has four Medicare Savings Programs available, depending on your income level.
- Qualified Medicare Beneficiaries (QMBs): For QMBs, North Carolina covers all premiums for Medicare Part B and all copayments and deductibles for Medicare Parts A and B. This program is for individuals at 100% of the poverty level.
- Specified Low-Income Medicare Beneficiaries (SLMBs): For individuals with a monthly income below $1,167 and couples with a monthly income below $1,573, the state pays premiums for Medicare Part B under a second-tier plan for Specified Low-Income Medicare Beneficiaries.
- Other plans, such as for Qualified Individuals (QIs) or Qualified Disabled and Working Individuals (QDWIs), are covered through the federal Health Insurance Marketplace.
Senior Health Insurance Information Program (SHIIP)
North Carolina SHIIP centers are there to help individuals and couples understand the variety of Medicare programs and the wide array of supplemental plans available. North Carolina SHIIP provides local counseling sessions as well as personal phone and office consultations for patients throughout the state, educating residents on the wide variety of medical care and insurance options available (which can vary from region to region), including:
- Medicare (Parts A and B)
- Medicare Advantage Plans (Part C)
- Medicare Prescription Drug Plans (Part D)
- Medicare Supplement Insurance (Medigap)
- Prescription assistance programs
- Long-term care and payment options
- Health care rights and protections
- Low-income assistance programs
North Carolina SHIIP works on behalf of Medicare patients by dealing with claims and disputes through a network of hundreds of trained, certified SHIIP volunteers throughout the state of North Carolina.
Low-Income Subsidy (Extra Help) for Prescription Drugs
The available low-income subsidy for Extra Help with prescription drugs in North Carolina is $29.30 for 2015 for individuals with a monthly income below $1,458.75 (or $1,966.25 for couples).
If you're a North Carolina resident and need answers about the best plan available in your area, talk to an insurance specialist at MedicareSolutions.com. Helpful MedicareSolutions.com representatives can tailor the best solutions for you based on both your income and local area.