The Center for Medicare and Medicaid Services (CMS) provides Medicare policies to those residing in North Carolina, if you are sixty five years of age and older or if you are disabled. Medicare is an insurance policy that assists its enrollees through medical coverage and benefits. There are requirements that must be met by each member in order for them to become eligible for these benefits. Every member has a deductible or coinsurance that is based on their household income. Purchasing supplemental policies may eliminate or decrease these out of pocket expenses.
In North Carolina you may enroll in any of the Medicare plans through a contracted Medicare provider. For example, Blue Cross and Blue Shield of North Carolina have Medicare Advantage Plans as well as Medicare Part D Prescription Drug Coverage to those who are eligible. Basic Medicare coverage consists of Medicare Part A and Medicare Part B. Obtaining benefits from both plans will insure your hospital visits and doctor visits. Part A is considered hospital insurance and will cover visits to local health clinics and the hospital; whereas Part B is geared towards covering visits to the doctor or other medical suppliers.
If you currently need prescription drug coverage, it is recommended that you purchase the Medicare Part D plan. The monthly premium will be determined based on you or your household's income, but it will save you money on your drug purchases. Several insurance companies in North Carolina are contracted through CMS to provide these benefits. You may also decide to purchase a Medicare Supplement if you have extensive medical needs. The basic Medicare plan is limited and may not cover all of the health care you needs. Speak with an agent at your local North Carolina Insurance Department if you have further inquires.
*You may be able to get extra help to pay for your prescription drug premiums and costs. To see if you qualify for getting extra help, call: