Healthcare News & Stories
Medicare
What Medicare Covers When Traveling
With many people finally able to start planning for travel again after Covid-19, it's essential to consider your health insurance coverage while you're away. While there's nothing like exploring new places, being prepared for any unexpected costs is necessary to ensure you're not left significantly out of pocket on your vacation. Where you're traveling, and the type of Medicare policy you have can impact your coverage while you're away. It can also be a good idea to purchase additional insurance depending on your coverage. If you have any questions, a local health insurance agent can help you decide on the right policy for you, so you can rest assured and enjoy your trip.
Health Plans of NC, Kelly Quinn
Individual/Family, Short Term
What Is Short Term Health Insurance?
Short-term health insurance provides temporary coverage that typically lasts from a few months to a year. This type of health plan isn't regulated by the Affordable Care Act (ACA), so they're not required to provide the minimum essential health benefits other plans mandated by the ACA do. If you're in between health insurance plans, short-term health insurance can be an affordable option if you're looking for health coverage. Depending on your circumstances, short-term plans can even be more affordable than a major medical plan.
Health Plans of NC, Kelly Quinn
Medicare
What Is Medigap Plan M?
Medigap Plan M is a type of Medicare Supplement Plan offering basic coverage to help cover the gap for costs not covered by Original Medicare Part A and Part B. It provides a low monthly premium, but you must pay for half of your hospital deductible and 100% of your yearly outpatient deductible.
Health Plans of NC, Kelly Quinn
Medicare
What Is Medigap Plan L?
Medigap Plan L is a type of Medicare Supplement Plan. This plan helps cover the gaps not covered by Original Medicare, such as deductibles and coinsurance. In addition, Medigap Plan L provides a lower premium if you're willing to share some of your health care costs with your insurance provider.
Health Plans of NC, Kelly Quinn
Medicare
What Is Medigap Plan K?
Medigap Plan K is a basic Medicare Supplement plan, offering similar benefits to other types of plans but with lower premiums. Purchasing a Medigap Plan K also provides you with a cap on your out-of-pocket maximum. A Medigap Plan K plan supplements Original Medicare Parts A and B.
Health Plans of NC, Kelly Quinn
Medicare
What Is Medigap Plan D?
Medigap Plan D is a Medicare Supplement Plan that helps cover the gaps in coverage not covered by Original Medicare. There are 10 different Medigap plans available in North Carolina. Medigap Plan D offers more coverage than Medigap Plan A or Medigap Plan B, but not as many benefits as you can get if you purchase Medigap Plan C, Medigap Plan F, or Medigap Plan G. It's important to realize that Medigap Plan D is a different plan from Medicare Part D, which provides coverage for prescription drugs. Though their names are very similar, Medigap plans do not provide coverage for any prescription drugs.
Health Plans of NC, Kelly Quinn
Medicare
What Is Medigap Plan A?
Medigap Plan A refers to coverage that helps you pay for some out-of-pocket costs from Original Medicare, including Medicare Part A (Hospital) and Part B (Medical.) Medigap Plan A is also known as Medicare Supplement Insurance Plan A. It shouldn't be confused with Medicare Part A, a different plan that offers distinct benefits.
Health Plans of NC, Kelly Quinn
Medicare
What Is Medigap Plan B?
Medigap Plan B is a standardized Medicare Supplement plan. In North Carolina, you can choose from 10 different Medigap policies to supplement Original Medicare Parts A (Hospital) and B (Medical.) Although Medigap Plan B sounds similar to Original Medicare Part B, they are not the same and offer different levels of coverage.
Health Plans of NC, Kelly Quinn
Medicare
What Is Medigap Plan C?
A Medigap Plan C is a health insurance plan covering almost all of Original Medicare's coinsurance requirements, except for excess charges relating to Medicare Part B. Medigap Plan C is also known as Medicare Supplement Insurance Plan C. As of January 1, 2020, Medigap plans sold to people new to Medicare can no longer cover the Medicare Part B deductible. Because Medigap Plan C covers the Part B deductible, this plan is no longer available to people new to Medicare on or after January 1, 2020. It's important to realize that Medigap Plan C is not Medicare Part C (Medicare Advantage). These are two unique plans with different levels of coverage included.
Health Plans of NC, Kelly Quinn
Medicare
What Is High-Deductible Plan G ?
When you're a part of an employer-sponsored high-deductible plan or health savings account plan, you might want to consider purchasing a High-Deductible Plan G supplement also known as a Medigap plan. This plan is similar to the High Deductible Plan F, but it doesn’t provide coverage for your Medicare Part B deductible.
Health Plans of NC, Kelly Quinn
Medicare
What Is High-Deductible Plan F ?
If you previously had a health savings account plan or a high-deductible plan through your employer, you may be interested in purchasing a Medicare Supplement High-Deductible Plan F plan, also known as Medigap coverage. High-Deductible Plan F includes the usual benefits you expect from a regular Medigap Plan F. The key difference is that you manage your health care costs until you reach your yearly deductible. After that, your plan works just like a standard Medigap Plan F. Choosing a high deductible for your plan can help reduce your monthly premiums.
Health Plans, of North Carolina, Kelly Quinn
Individual/Family, Affordable Care Act, Medicare
Why We Use Google Reviews
Google Reviews are considered reliable and credible. Google verifies the accuracy of each customer review before it’s published on Google.
Glynnis O'Donoghue with Health Plans of North Carolina
Medicare
What Is Medigap Plan N?
Medigap Plan N is also known as Medicare Supplement Plan N. It's a low premium plan where you must pay a small yearly deductible and some copays. Regardless of which insurance provider you choose, Medigap Plan N policies all feature the same benefits and are widely available throughout North Carolina.
Health Plans of NC, Kelly Quinn
Medicare
What Is Medigap Plan F?
Medigap Plan F is commonly known as the most thorough Medicare Supplement plan available in North Carolina. It covers both Medicare deductibles and all of your coinsurance and copays, which means no out-of-pocket costs.
Health Plans of NC, Kelly Quinn
Medicare
What Is Medigap Plan G?
Medigap Plan G is the second most popular Medicare Supplement Plan behind Medigap Plan F. Medigap Plan G is similar to Medigap Plan F. It offers excellent value to anyone willing to pay an annual deductible. In addition, it provides complete coverage for the gaps in Original Medicare, covering your copays, hospital deductible, coinsurance, and the 20% that Medicare Part B doesn’t cover.
Health Plans of NC, Kelly Quinn
Individual/Family
Questions About Maternity Coverage?
A Quick Overview
It is mandatory for all health insurance providers to provide maternity care coverage. In 2014, the Affordable Care Act became law, requiring coverage for pregnancy, labor, delivery, and newborn care.
How Has Maternity Coverage Changed?
It is mandatory for all health insurance providers to provide maternity care coverage. In 2014, the Affordable Care Act became law, requiring coverage for pregnancy, labor, delivery, and newborn care.
How Has Maternity Coverage Changed?
Health Plans of NC, Kelly Quinn
Health, Blue Cross NC
Using High-Tech & High-Touch To Simplify Healthcare
Perhaps more than any other industry, health care represents the collision of humanity and technology—nothing is more personal than our health care. But for many, determining the best option for care is an overwhelming process. Knowing when to seek care can be just as difficult as combing through the volume of medical information offered online. This can lead to people spending more time, more money and using more services across the health care system than necessary.
At Blue Cross and Blue Shield of North Carolina (Blue Cross NC), we are working to provide a more simplified health care experience for our members. By combining technology and human interaction, we’re helping members find the right resources for their care journeys.
High-Tech: Putting the Right Tools in the Hands of Members
At Blue Cross and Blue Shield of North Carolina (Blue Cross NC), we are working to provide a more simplified health care experience for our members. By combining technology and human interaction, we’re helping members find the right resources for their care journeys.
High-Tech: Putting the Right Tools in the Hands of Members
Blue Cross NC
Medicare
Different Types of Medicare Supplement Plans
Medicare Supplement Plans, also known as Medigap plans, provide coverage for millions of Medicare beneficiaries. These plans help pay for any gaps not covered by Medicare, such as your coinsurance or deductibles. These plans are a great choice if you don’t want to pay out-of-pocket for your health care, and there are a range of plan options available in North Carolina.
Health Plans of NC, Kelly Quinn
Health, Covid 19
Post Pandemic Healthcare Issues
With restrictions now eased and the world returning to a ‘new normal’ post pandemic, there are still ongoing health issues facing many North Carolinians. The stressful events we’ve experienced during the past three years, including significant changes to our normal lifestyle, are likely to have long-term effects on many people’s physical and mental health.
Health Plans of NC, Kelly Quinn
Individual/Family, Affordable Care Act
How The Family Glitch Proposed Rule Changes Could Save You Money
In April 2022, the Biden-Harris Administration proposed a rule to strengthen the Affordable Care Act (ACA) by fixing the ‘family glitch’ that could save families across America hundreds of dollars each month. The goal of this proposed rule is to revise the existing interpretation of eligibility relating to premium tax credits for families. If finalized, the rule will extend the ACA Marketplace health insurance subsidies to millions more people throughout America, including many North Carolina residents.
Health Plans of NC, Kelly Quinn
Medicare
Comparing Medicare Supplement Plans
Each Medicare Supplement plan has an associated letter, from A through to N. Each plan helps provide coverage for the gaps in Medicare and offers different levels of coverage.
Health Plans of NC, Kelly Quinn
Medicare
What Are Medicare Supplement Plans?
Medicare Supplements Plans are a type of health insurance offered by private insurance companies to help cover the gaps in Medicare. Medicare Supplement Plans are also known as Medigap plans.
Health Plans of NC, Kelly Quinn
Individual/Family
What You Need to Know About Health Insurance if You’re Trying for a Baby
If you’re trying to have a baby, there’s a lot to think about. You may be wondering how long does it take to get pregnant and whether you’re ready for this life change. It’s also a great time to consider your health care needs and ensure you have the right level of health insurance coverage for your care.
Health Plans of NC, Kelly Quinn
Medicare
What Is a Medicare Advantage HMO Plan?
An HMO stands for a Health Maintenance Organization. It’s a type of Medicare Advantage plan that offers health coverage for hospitals, specialists, and doctors in the plan’s preferred network.
Health Plans of NC, Kelly Quinn
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