North Carolina Medicare Insurance Plans
Medicare is a federally sponsored health insurance program available to those over the age of 65, as well as to individuals who have certain disabilities. At the state level, however, there exist specific organizations that help beneficiaries better understand the Medicare process, and Medicare recipients may even qualify to receive state subsidies, depending on their circumstances. Consider the following information if you are interested in obtaining Medicare coverage in the state of North Carolina.
Medicare Supplement Insurance (Medigap) Policies
North Carolina does require Medigap insurance companies to sell you a Medigap policy, even if you’re under 65. Find more details in the Outreach and Education workbook at CMS.gov.
Mini-COBRA Policies (Small Group)
North Carolina has a form of mini-COBRA coverage, this is a state continuation program, similar to COBRA, that states plans with 2-19 employees may be eligible for up to 18 months of continuation coverage.
North Carolina Medicare Savings Program
North Carolina has four Medicare Savings Programs available, depending on your income level.
*The following data is from 2016 and is based on federal amounts. These amounts may increase in 2017. If your income and resources are slightly higher, you should still apply, you may qualify for benefits even if your income is higher than the limits listed.
- *Qualified Medicare Beneficiaries (QMBs): For individuals with with a monthly income under $1,010 or couples with a monthly income under $1,355.
- *Specified Low-Income Medicare Beneficiaries (SLMBs): For individuals with a monthly income below $1,208 and couples with a monthly income below $1,622, the state pays premiums for Medicare Part B under a second-tier plan for Specified Low-Income Medicare Beneficiaries.
- *Qualified Individuals (QIs) – For individuals with a monthly income under $1,357 or couples with a monthly income under $1,823.
- *Qualified Disabled and Working Individuals (QDWIs) – For individuals with a monthly income under $4,045 or couples with a monthly income under $5,425.
*Data from Medicare.gov
According to ssa.gov, you should be aware that several States may even disregard all resources for individuals or couples in certain categories.
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
In 2016, you may qualify if you have up to $17,820 in yearly income ($24,030 for a married couple).
If you’re a North Carolina resident and need answers about available plans in your area, you may contact a licensed sales agent at MedicareSolutions.com. Our helpful licensed sales agents can tailor the best solutions for you, assist you with comparing Medicare insurance plans and help you find a plan that best fits your needs.