Healthcare News & Stories
Health, Medicare
Drug Pricing Law: How It Affects Your Medicare Coverage
U.S. President Joe Biden recently signed the Inflation Reduction Act authorizing the government to negotiate prices on some prescription drugs and allow the government to cap the costs of Medicare. With over 63 million Americans receiving Medicare health benefits, the law is likely to affect many people throughout the country, including those living in North Carolina.
Health Plans of NC, Kelly Quinn
Health, Short Term
What Is Travel Insurance & What Does It Cover
If you're lucky enough to be planning a trip, you may be thinking about whether purchasing travel insurance is necessary. To help you decide, consider the costs of not purchasing insurance if something goes wrong and whether you've got the funds to support you. For example, paying for additional accommodation costs if your travel arrangements are delayed or replacing essential items if your luggage is lost or delayed. Learning about what travel insurance covers can help you decide whether it's necessary for your upcoming trip.
Health Plans of NC, Kelly Quinn
Medicare
What Is Medicare Part D Insurance?
Medicare Part D is an optional prescription drug plan for anyone currently enrolled in Medicare. Before its introduction in 2006, many Americans spent thousands of dollars each year covering the costs of their prescriptions. If you need help finding a prescription plan, our locally based NC health insurance brokers can help. We specialize in assisting people in North Carolina find the best prescription drug plan for their needs.
Health Plans of NC, Kelly Quinn
Dental
What Is Dental Insurance?
Dental insurance is a type of health insurance to help cover costs associated with dental care. Dental insurance is separate from typical medical insurance, although many employers can offer employees a combined benefits package that includes medical, dental and vision insurance. At Health Plans of NC, we specialize in helping people living in North Carolina with their health and dental insurance needs. Our knowledgeable agents can discuss your needs and determine the best dental insurance plans to meet your circumstances and budget.
Health Plans of NC, Kelly Quinn
Group
What Is Group Health Insurance?
Group health insurance plans provide coverage to a group of members, typically company employees or members of a specific organization. Members of a group health plan usually receive insurance at a reduced premium because the risk to the insurer is spread across all policyholders and employers often pay a portion of it for their employees as an added benefit.
Health Plans of NC, Kelly Quinn
Health, Vision
Everything You Need To Know About Vision Coverage
A good health insurance plan can help cover unexpected medical costs and prescriptions. In addition, ensuring you've got the right level of coverage to help protect your vision can be essential if you or your family are likely to need regular visits to the eye doctor. At Health Plans of NC, we specialize in assisting residents throughout North Carolina. Our dedicated and experienced health insurance agents can talk you through some of the best vision insurance plans available to get you the coverage you need.
Health Plans of NC, Kelly Quinn
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
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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
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