Medicare in North Carolina
Written by: Bryan Strickland
Reviewed by: Shikita Nunnery, Licensed Insurance Agent
Medicare is a federal health insurance program open to all North Carolinians age 65 and older who are U.S. citizens.
Original Medicare in North Carolina offers coverage for hospital stays and doctors visits. Drug and supplemental coverage also is an option.
Medicare Advantage in North Carolina is another way to get Part A and Part B while also offering things like dental and vision coverage.
Thanks to the Wright Brothers and Michael Jordan, the state of North Carolina is “First in Flight.”
Manning the first motorized airplane or leaping skyward against basketball’s giants can be hazardous to your health. GoHealth is here to serve the health concerns of all North Carolinians.
Find a local Medicare plan that fits your needs
Who is Eligible for Medicare in NC?
Any U.S. citizen age 65 or older that calls North Carolina home is eligible to enroll in the federal Medicare healthcare insurance program. Some people under 65 also may qualify for Medicare in NC:
- Residents who have received 24 months of Social Security Disability Insurance payments or Railroad Board benefits payments are eligible.
- Residents with End Stage Renal Disease or with Lou Gehrig’s disease (also known as ALS) are eligible.
How Much Does Medicare Cost in North Carolina?
While most Medicare offerings have different options with differing costs, Parts A and B are the starting point and have some set costs.
- Part A, commonly called “hospital insurance”, doesn’t have a monthly premium for anyone who has worked at least 10 years.
- Part B, commonly called “medical insurance,” has a monthly premium of $170.10 for 2022.
While Part A and Part B premiums are set, there are scenarios where you may pay less or on rare occasions more for Medicare in NC based on your income.
Other Medicare offerings have varying costs, including:
- Part D, the name given to drug coverage provided by private insurance companies aligned with federal guidelines for Original Medicare beneficiaries.
- Medigap, the name given to supplemental insurance provided by private insurance companies for Original Medicare beneficiaries.
- Medicare Advantage, also known as Part C, offered by private insurance companies that replaces Original Medicare, bundles drug and supplemental coverage and offers additional coverage like dental and vision.
Are you eligible for cost-saving Medicare subsidies?
How do I Apply for Medicare in North Carolina?
Your choices for applying for Medicare in North Carolina include:
- Enrolling online with the Social Security Administration.
- Visiting a local Social Security office.
- Enrolling over the phone at 1-800-772-1213 (TTY: 1-800-325-0778).
If you are receiving Social Security benefits before you turn 65, you may be automatically enrolled in Original Medicare. If not, you have to apply for enrollment. Your first chance to sign up is during your Initial Enrollment Period, which is a seven-month window that begins three months before the month of your 65th birthday.
Does North Carolina have Free Healthcare?
Each state determines how to administer its Medicaid, a federal/state program to help those in financial need with their healthcare costs regardless of age. North Carolina, for example, has a program that allows some people over the state’s income limit for Medicaid to still participate while being responsible for a Medicaid deductible.
The North Carolina Department of Health and Human Services has an online tool to help North Carolinians determine if a financial assistance program may be an option for them.
What extra benefits and savings do you qualify for?
What do the Different Medicare Plans Cover?
Medicare plans in North Carolina help reduce your out-of-pocket costs for hospital stays (Part A) and doctors visits (Part B). You can choose to add a Part D plan to help with prescription costs. Medicare Advantage in North Carolina (Part C) can replace Original Medicare to bundle Parts A, B and D coverages.
All Medicare in NC must offer certain coverages. The 10 Essential Health Benefits are:
1. Outpatient care
2. Emergency service
3. Maternity and newborn care
4. Prescription drugs
5. Pediatric services
6. Laboratory services
7. Rehabilitation and habilitation services
8. Mental health and substance abuse
9. Preventive or wellness services
Are Medicare Advantage Plans Good in All States?
Medicare Advantage plans can offer more benefits than Original Medicare, often with more affordable premiums. The other side of the coin is that while Original Medicare can be used in all states, most Medicare Advantage plans feature a regional network of providers.
But, with an abundance of Medicare Advantage plans available, there’s a good chance that a plan features doctors that you already use. A GoHealth licensed insurance agent can find a Medicare Advantage plan that fits your needs and can check to see if your doctor(s) is in-network.
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Medicare in North Carolina by the Numbers
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Table reflects the latest Beneficiary Demographics Data: Medicare Geographic Variation – by National, State & County
Average HCC Score: The Hierarchical Condition Category score gauges a population’s overall health. The score is based on a value of 1.0. Populations with an HCC score of less than 1.0 are considered relatively healthy. The score can be used to estimate health costs.
North Carolina Medicare Resources & Contacts
Beneficiaries spend an average of $9,791.42 each year on Medicare in North Carolina. To be certain you are not leaving anything on the table, let us help. A GoHealth licensed insurance agent can assess your coverage or explain which North Carolina-based resources, like these, may be able to help:
Medicare Learning Guides
Healthcare is personal. So is choosing insurance. If you are new to Medicare, a beneficiary researching options, or a caregiver, we have tailored Medicare Guides for you.
Before 65 Guide
Understanding health insurance before age 65, especially when considering early retirement
Medicare Plans Guide
Costs, coverage and enrollment details for each Medicare plan
Medicare Beneficiary Guide
For those currently enrolled in Medicare
Low Income and Medicare Guide
For individuals with a qualifying income status
A Caregiver’s Guide
For individuals with a qualifying income status