North Carolina Medicare Insurance Plans
If you’re a North Carolina resident looking for information about Medicare health options, here are a number of available programs.
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.
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.
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 Secure.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 (SHIP)
North Carolina SHIP 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 the best plan available in your area, talk to a licensed sales agent at MedicareSolutions.com. Our helpful representatives can tailor the best solutions for you, and help you compare North Carolina Medicare insurance plans.