When looking at Medicare recipients in the Tar Heel State, there are a little more than 2,000,000 residents who benefit from having this coverage. Of these citizens, some are enrolled in all aspects of Medicare. Others have chosen to use just some portions of Medicare.

In this article, we’ll give you information about Medicare and the different supplemental plans that North Carolinians can choose from.

North Carolina Medicare: Looking at the Numbers

  • A hair over 1,246,000 North Carolina residents is enrolled in either Part A or Part B. Meanwhile, just shy of 1,119,000 citizens in the state have both Part A and Part B.
  • Of the North Carolinians who enjoy both, nearly 937,000 aged into the program. Another almost 182,000 came in due to disability.
  • Nearly 803,000 boomers have a Medicare Advantage plan.
  • There is a shade under 1,500,000 residents who are enrolled in a prescription drug plan.

Assessing Medicare Costs in North Carolina for 2022

To figure out what your costs will be in relation to Original Medicare, it can be helpful to know what each part’s function is.

Part A basically covers any hospital visits and services surrounding this. It’s known as inpatient care and a prime example is a trip to the emergency room. Anyone 65 years or older and also possessing a 10-year or longer work history can receive Part A for free.

On the other side, Part B carries a monthly premium set at the federal level that is the same regardless of where you live. This is all outpatient care — think normal doctor visits, yearly checkups, flu shots, medical equipment or supplies, and more.

Medicare Part A Costs in 2022 Medicare Part B Costs in 2022
  • Part A is premium-free for most
  • Part A deductible is $1,556 per benefit period
  • Inpatient hospital stay days 61-90 is $389
  • The standard Part B premium is $170.10
  • The annual deductible for Part B is $233
  • Medicare pays 80%, you pay 20% out-of-pocket

Original Medicare Coverage in North Carolina

In just Part A, there are 1,240,000-plus people enrolled. In just Part B, nearly 1,125,000 North Carolinians enjoy benefits — right around 943,000 joined because of age; another 182,000 have it because of disability.

Medicare Part A (Hospital Coverage)

  • Inpatient care in hospitals
  • Skilled nursing facility care
  • Hospice care
  • Home health care
Medicare Part B (Medical Insurance)

  • Services from doctors and health providers
  • Outpatient care
  • Home health care
  • Durable medical equipment
  • Some preventive services

Checking Out Supplemental Medicare Plans for North Carolinians

In a perfect world, each person would pay a low rate that didn’t change each year. However, that’s not the case for anyone. Healthcare costs have steadily been on the rise with no end in sight. So it’s imperative that you advocate for yourself by exploring all of your options to secure the best medical insurance that’s also affordable. That’s not always easy when it involves Medicare.

Thankfully, we can help layout some of your choices in this matter. Starting off, exploring Medicare Supplemental plans in North Carolina can be a good first step. These plans are valued by beneficiaries because they’re easy to understand and use, while also being standardized.

Supplemental plans also exist to offer benefits that neither Part A nor Part B of Original Medicare extends to its recipients. These plans are provided by private companies for a low monthly cost. A Medicare Supplemental plan is also known as Medigap because it fills in the gaps in your Medicare coverage.

Medicare Advantage plans are also popular options. This is often a low-cost plan for those with limited incomes and serves to add coverage for things like dental and vision that Original Medicare doesn’t cover.

One last advantage of using either Medigap or Medicare Advantage is that both either include or can be paired with a prescription drug plan.

North Carolina Medicare Resources

Starting right off, the North Carolina Department of Insurance has a website dedicated to Medicare and its SHIIP program. This is a pretty comprehensive landing page with information about Medicare for North Carolinians.

The Tar Heel State also takes care of Medicaid. The state of North Carolina through the NCDHHS has information on how to apply for or access your current Medicaid coverage.

FAQs

What is the income limit for Medicare in North Carolina?

For Part A, you qualify for Medicare through age, disability, and work history, so if you hit all those marks, income doesn’t come into the equation. For Part B, however, the premium you pay depends on your income for each tax year. Just to show an illustrative example, a single person who made $88,000 or less in 2021 would pay the standard premium of $148.50 for that year. However, a person making $500,000 or more in the same timeframe would be on the hook for $504.90.

How old do you have to be to apply for Medicare in NC?

You can start the application process to receive Medicare in North Carolina three months prior to your 65th birthday. If you have ALS, have been receiving disability income, or have a family member such as a spouse already on Medicare, you can get it as early as age 62.

Does North Carolina have free healthcare?

There are a couple of instances that qualify as free healthcare in North Carolina. The first is if you are old enough and have enough of a work history to receive Part A of Medicare with no premium.

The second instance is receiving Medicaid. This is for all low-income residents across the United States, which includes children and pregnant women.

Part B has a standard monthly premium everyone pays based on their income each year, so it’s not free.

How to Sign Up for Supplemental Medicare in North Carolina

Your best bet comes from working with a licensed agent since Medicare is not easy to navigate on your own. The services for working with a licensed agent are free, so don’t worry about any additional costs. To see what you can receive regarding supplemental plans, give us a call today. Or fill out this easy rate form to get pricing on plans in your area.

by Lindsay Malzone, Lindsay Malzone is the Medicare expert for Medigap.com. She's been contributing to many well-known publications as an industry expert since 2017. Her passion is educating Medicare beneficiaries on all their supplemental Medicare options so they can make an informed decision on their healthcare coverage.
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