Healthcare News & Stories

Medicare

A couple walks on a log in the woods while hiking
Medicare, Health

How Medicare Advantage Agents Simplify Choices for Seniors

If you’re a senior entering the world of Medicare Advantage (MA) plans for the first time, it can be overwhelming due to the many options available.  With an average of 43 plans on offer, knowing where to start and how to navigate the complexity of these plans to make an informed decision can seem impossible. That’s where Medicare Advantage agents come in.  In this article, we’ll explain the crucial role agents play in helping you sift through the myriad options to help choose the most suitable plan for you. Let’s get started.
HealthPlans of NC

Health Plans of NC by Kelly Quinn

Two active seniors walk their dog
Medicare, Blue Cross NC

The Medicare Out-of-Pocket Drug Spending Cap: A Game-Changer for Millions of Americans

Medicare is undergoing a significant shift, bringing hope to millions of beneficiaries grappling with the high costs of prescription drugs.  The Inflation Reduction Act of 2022 has led to big changes in the Medicare Part D program - including a new cap of $2,000 for prescription drugs. The Act focuses on reducing out-of-pocket patient expenses to curb Medicare's spending on prescription drugs. Let’s look at what the changes mean, who will benefit, and when the new rules come into effect.
HealthPlans of NC

Health Plans of NC by Kelly Quinn

Senior man and woman shake hands with insurance agent after finding a policy that fits their Medicare needs and budget
Medicare

Medicare Special Enrollment Period - State of Emergency in North Carolina

As you may be aware, a State of Emergency has been declared in North Carolina due to the severe weather affecting much of the state. The emergency is effective January 8 until February 7 (unless the governor rescinds the order earlier).  For anyone living in North Carolina, a Special Enrollment Period is now available for Medicare until April 7, 2024.
HealthPlans of NC

Health Plans of NC by Kelly Quinn

trustworthy agent shakes hands with client
Health, Blue Cross NC, Affordable Care Act, Medicare, Individual/Family

Avoiding Health Insurance Scams: Your Guide to Making Smart Coverage Choices

If you’ve just started researching health insurance coverage options, you’ll know that the industry can be complex. There are countless coverage options available at multiple price points.  Unfortunately, the confusion surrounding health insurance can sometimes lead to exploitation. We’ve seen operators selling inadequate health insurance products to customers throughout North Carolina that don’t deliver the benefits clients are promised.
HealthPlans of NC

Health Plans of NC, by Kelly Quinn

a group of smiling successful team members
Individual/Family, Individual/Family, Medicare, Affordable Care Act

Why Choose A Local Health Insurance Agent

Using a local agent or broker can offer plenty of benefits if you're in the market for a new health insurance plan. Not only can you access quotes for plans that support your future medical needs, but getting advice from someone nearby can mean they understand the nuances of different plans specific to North Carolina. At Health Plans of NC, our experienced agents know how to find the best health insurance plans for North Carolina residents. 
HealthPlans of NC

Heath Plans of NC, Kelly Quinn

happy agent headshots
Individual/Family, Affordable Care Act, Medicare

Why Google Reviews Can Help You Find The Right Health Insurance

Did you know that over 50% of online shoppers in the US find customer reviews helpful when searching for products or services online? Using reviews in this way can apply to a range of products and services, with more and more Americans turning to various review sites, including Google, to help make purchase decisions.
HealthPlans of NC

Health Plans of NC, Kelly Quinn

a group of smiling agents
Health, Blue Cross NC, Affordable Care Act, Medicare

Why an Experienced Health Insurance Agent Is Your Best Resource in a Digital World

In today's digital age, many Americans use technology to manage various aspects of their everyday lives, from buying groceries to sourcing financial advice.  With the rise of computer-generated assistants and helpful chatbots, saving time and using automated tools for the more complex things in life can be tempting - like finding the right health insurance coverage. But while you can enroll in a health insurance plan online, it's essential that you first understand your coverage options before choosing a plan.  When searching for the right health insurance for your health and budget, nothing beats getting advice from an experienced and knowledgeable health insurance agent. Particularly, one who specializes in understanding the needs of people like you who live in North Carolina.
HealthPlans of NC

Health Plans of NC by Kelly Quinn

Multigenerational family on couch having fun
Individual/Family, Affordable Care Act, Medicare, Health

Upcoming 2024 Plan Year Open Enrollment Dates

Accessing the right level of healthcare coverage at a price that’s right for you helps ensure you can access the healthcare you need when you need it. While searching for the best health insurance plan for you and your family can be overwhelming, it doesn’t have to be.  At Health Plans of NC, we can help you choose an affordable and comprehensive health insurance plan. We can also explain how open enrollment periods work and when enrollment starts in 2024. 
HealthPlans of NC

Health Plans of NC Staff

Senior Couple talking to insurance agent
Medicare, Blue Cross NC

New Consumer Protections for Medicare Health Insurance

The Centers for Medicare and Medicaid Services (CMS) has introduced changes this year to protect your information and reinforce consumer rights. The new requirements, which help ensure greater transparency when working with health insurance agents and brokers, are part of the 2024 Notice of Benefit and Payment Parameters (NBPP). What does this mean for you?
HealthPlans of NC

Health Plans of NC

Happy couple signs online contract
Blue Cross NC, Affordable Care Act, Individual/Family, Medicare, Short Term

Changes to Consent Requirements for Marketplace Consumers

The Centers for Medicare and Medicaid Services (CMS) have introduced new requirements that aim to protect consumer interests. The requirements, which help ensure greater transparency when working with health insurance agents and brokers, are part of the 2024 Notice of Benefit and Payment Parameters (NBPP). These enhanced consumer protections were introduced in response to various complaints and disputes about who can act on an individual’s behalf. The rules apply to all enrollments by agents, brokers, and web-brokers, regardless of which platform they use.
HealthPlans of NC

Health Plans of NC by Kelly Quinn

Team lead explaining new regulations to agents
Blue Cross NC, Affordable Care Act, Individual/Family, Medicare, Short Term

Changes to How Agencies Can Market Medicare Advantage and Part D Plan

The U.S. Centers for Medicare and Medicaid Services (CMS) has recently released changes to how health insurance agents and brokers can market to customers. These changes aim to improve your experience when sourcing Medicare Advantage and Part D plans.  Ensuring agents and plan providers follow the new guidelines helps you to make a more informed decision about your coverage.
HealthPlans of NC

Health Plans of NC by Kelly Quinn

Family
Medicare

What Is Family Insurance: A Complete Guide

As a whole, health insurance for one person can be extremely intimidating and an exhaustive process. Now imagine that pressure for a growing family who has to balance doubled premiums, deductibles, and out-of-pocket maximums.
If you’re struggling to understand the overall benefit of family insurance and why your family may benefit from it, we’re here to help. This article will answer and expand on the question, “What is family insurance?”
What Are Family Insurance Policies?
HealthPlans of NC

A woman looking at her senior couple of client who is holding a papers
Medicare

Is Medicare a Type of Commercial Insurance?

Health plan costs have risen substantially yet salaries have remained nearly flat, up only 15% per year. At the beginning of every year, working America is demoted as health care costs unsustainably rise more than salaries.
In 2015, the Kaiser Family Foundation found that medical bills made one million adults declare bankruptcy. Its survey found that 26 percent of Americans aged 18 to 64 struggled to pay medical bills. And according to the U.S. Census, that represents 52 million adults.
However, most people who are eligible for Medicare hesitate to enroll because no one has told them the benefits that they may be eligible for. In this article, we’ll compare Medicare to other kinds of commercial insurance and answer the question, “Is Medicare commercial insurance?”
HealthPlans of NC

Female doctor talking to older man patient
Medicare

How Does Medicare Work with Other Insurance: Complete Guide

Coordination of Benefits, primary insurer, and secondary payer - these are terms that many people with multiple insurers are familiar with.
While some may think that Medicare is a one-and-done deal, and think that they have to give up their current insurance plan – it isn’t true. In fact, with the right knowledge and know-how, Medicare can expand your coverage and ease your financial burdens.
But that all depends on your insurance, medical situation, and more. In this article, we’ll be exploring how Medicare works with other insurance plans. 
HealthPlans of NC

woman arranging paper works
Medicare

Medicare Advantage Plan: Can You Have One with Employer Insurance?

As the workforce ages, associated statistics play a prominent role in claim cost projections. Statistically, employees aged 65 and older incur two to three times the claim cost of average employees aged 40. However, claims equal risk, and unfortunately, this drives up health insurance premiums or self-insured costs.
Employees who know their health coverage options use a Medicare Advantage Plan to help with these costs. But knowing which medical insurance plan is the most beneficial for you and what you’re eligible for involves a lot of research.
Below, we’ll discuss what a Medicare Advantage Plan is, your options, and how it works with employer insurance. We also answer the question, “Can you have a Medicare Advantage Plan and employer insurance?”
HealthPlans of NC

Male agent discussing to a couple about insurance
Medicare

Know When Medicare Is Your Primary or Secondary Insurance

Medicare, a federal health insurance program, is meant to provide comprehensive health coverage for qualifying individuals. This includes people over the age of 65, those with disabilities, or those with end-stage renal disease. Many people ask the question, “Is Medicare primary or secondary insurance?” 
In this article, we will discuss everything you need to know about Medicare coverage. We’ll also examine how it works with other coverage plans such as group health plans and retiree insurance. 
What is Primary or Secondary Insurance?
HealthPlans of NC

Old woman smiling while looking at her tablet
Medicare

How Does Medicare Work with Retiree Insurance?

It is of utmost importance to have health insurance that is both comprehensive and affordable. Many receive coverage through Medicare and retiree health benefits. Understandably, costly Medicare expenses can be quite concerning. Thankfully, retiree insurance can work with Medicare to make out-of-pocket expenses more manageable. It’s also important to note that retiree insurance should fit within creditable coverage. But, how does Medicare work with retiree insurance, exactly?
In this article, we will discuss everything you need to know about Medicare health coverage and how it works with retiree insurance.  
Understanding Your Medicare and Retiree Insurance
HealthPlans of NC

Businessman talking to a man and a woman at a table
Medicare

Who Regulates Medicare Supplement Insurance Plans?

As we all know, it is essential to have quality and comprehensive health coverage. However, the out-of-pocket costs for insurance plans can be quite expensive. Therefore, to help pay for Medicare expenses, Medigap policies are available to qualifying individuals. But, who regulates Medicare supplement insurance plans?
Medigap, otherwise known as Medicare Supplement insurance plans, can be an effective option to mitigate concerns about healthcare costs. It is important to know what these policies are, how to be eligible, and the benefits they offer. Furthermore, you should consider speaking to an experienced health insurance agent. 
In this article, we will discuss everything you need to know about the regulation of Medicare Supplement Insurance Plans.
HealthPlans of NC

Does Medicare Cover Dental Care?
Medicare

Does Medicare Cover Dental Care?

As an insurance policyholder, it is important to know which services are covered and the benefits you can receive. For example, many people wonder, “Does Medicare cover dental?” Therefore, Medicare members should know whether or not their plans offer dental insurance. Understandably, paying costly out-of-pocket expenses for dental care can be concerning. In addition, a lack of knowledge of Medicare’s dental coverage options can be distressing as well. 
In this article, we will discuss what you need to know about Medicare and potential dental plans. With proper information, you can make the right decision regarding dental care.
Understanding Medicare’s Dental Coverage
HealthPlans of NC

Disabled woman sitting in a wheelchair talking to another woman
Medicare

Does Medicare Cover Disability Insurance?

Approximately 54 million people in the United States have a disability. As it pertains to health insurance, insurers consider a person disabled when they cannot perform job duties due to an illness or injury. Also, people who struggle with a disability often struggle to get the medical coverage they need. Medicare covers a wide range of issues, but does Medicare cover disability insurance?
This article will focus on Medicare services and whether or not it covers disability insurance. It will also offer specifics about who Medicare can help (those that have Lou Gehrig’s disease, end-stage renal disease, or are over 65) as well as social security disability insurance.
For people with disabilities, finding affordable health plan coverage that meets all of their needs can be challenging. If you are seeking assistance enrolling in Medicare coverage, finding a qualified insurance agent can be a big help. Health Plans of North Carolina can help. Explore our options today.
HealthPlans of NC

Doctor talking to senior couple
Medicare

What Is the Best Health Insurance for Seniors on Medicare

Upon turning 65, many seniors opt to enroll in Medicare. Medicare is federal health insurance coverage designed to support individuals over 65, who have eligible disabilities, or who have End Stage Renal Disease. While Medicare offers multiple parts and is considered quality healthcare, it isn’t comprehensive enough for everyone. So what is the best health insurance for seniors on Medicare?
For most Americans, medical insurance can be quite costly. Finding affordable health insurance alongside Medicare that covers basic needs, emergency care, long-term care, prescription drug coverage, and dental can be quite challenging. Some private insurance companies can raise monthly premiums as you age, making it very difficult to pay for the coverage you need.
The purpose of this article is to explore health insurance options for seniors on Medicare, and to help them find the best option available. For more information about health insurance options in the state of North Carolina, explore our website today. 
HealthPlans of NC

Senior man and woman on computer
Medicare

What Is Medicare Supplemental Insurance? Understanding Its Coverage and Benefits

Medicare Supplemental Insurance plans, also known as Medigap, are types of health insurance plans meant to help individuals pay for out-of-pocket expenses. Primarily, it provides coverage for monthly premiums, copayments, and coinsurance. With several different plan types, you may be able to find a supplement plan that works best for you. You can also speak with a licensed and experienced health insurance agent to answer any questions or concerns you may have. 
HealthPlans of NC

Health Plans of NC

Hand-holding notebook written Medicare Supplement Insurance
Medicare

What Is The Average Cost of Supplemental Insurance for Medicare? Tips On How You Can Save

There is no such thing as perfect insurance. When unexpected health concerns arise, even the best insurance plans may not be enough to cover all the costs. For individuals with Medicare, knowing what Medicare supplemental insurance options are available can be extremely helpful. But what is the average cost of supplemental insurance for Medicare?
Medicare supplemental insurance (also known as Medigap) refers to extra insurance that can be added to your regular medical coverage plan. Users can purchase Medigap through a private insurance company, helping them pay out-of-pocket costs. Medigap plans aren’t like normal insurance plans. Their purpose is to cover the costs that you may be responsible for your Original Medicare plan.
This article will focus on what supplemental insurance is and why you need it. It will also answer questions like, what is the average cost of a Medicare supplement? And, what is the average cost of medicare part B supplemental insurance?
HealthPlans of NC

Old man holding his Medicare identification card
Medicare

Can I Have Both Employer Insurance and Medicare?

Having quality medical insurance is extremely important. Living without healthcare may leave you susceptible to substantial medical bills that you can’t afford. There are several different options for healthcare including employer insurance and Medicare. So, you may be wondering, “Can I have both employer insurance and Medicare?”.
Employer coverage refers to health insurance purchased by your employer. This insurance is then offered to their employees as part of a benefits package. An employer health plan is considered private health insurance coverage. 
Meanwhile, Medicare is a form of federal health insurance offered to people 65 or older, younger people with disabilities, and people with End-Stage Renal Disease. Since it is federal-based insurance, it is not considered private. 
HealthPlans of NC

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