North Carolina Health Insurance (NC)
Living in North Carolina is not without its health related challenges - they include a high prevalence of smokers at 22.9 percent of the population, a high level of obesity at 28.7 percent of the population, a high infant mortality rate at 8.5 deaths per 1,000 live births and a high percentage of children in poverty at 21.0 percent of persons under age 18. North Carolina Health Insurance works hard to find viable solutions to battling these threats to your health and more.
North Carolina Health Insurance Choice for Children (NCHC) program is a free or reduced price comprehensive health care program for children. If your family income is too high to qualify for Medicaid, but too low to be able to afford rising health insurance premiums, your children may qualify for NCHC.
The North Carolina Health Insurance NCHC covers hospitalization and outpatient care including the following: doctors and clinic services, laboratory and x-ray services, surgery, prescription drugs, dental, optical and hearing as well as other services.
Special needs children with chronic mental or physical conditions or illness may receive North Carolina Health Insurance services beyond those listed above if the services are deemed medically necessary (this will require precertification).
North Carolina Health Insurance Medicaid is a health insurance program that has been designed for low-income individuals and families who cannot afford health care costs otherwise. Medicaid serves low-income parents, children, seniors, and people with disabilities.
To be eligible for North Carolina Health Insurance Medicaid, you must also: be a U.S. citizen or provide proof of eligible immigration status; live in North Carolina, and provide proof of residency; have a Social Security number or have applied for one. Individuals who require emergency services are not required to provide documentation of citizenship or immigration status.
The offerings of the North Carolina Health Insurance Medicaid program are a little different, depending on who you are and what your situation is.
North Carolina Health Insurance Medicaid may assist in covering the costs of certain medical expenses such as: doctor’s visits, hospitalization, prescriptions, optical care, dental care, Medicare costs, nursing home care, Personal Care Services (PCS), medical equipment, and other Home Health Services.
CCNC/CA is the North Carolina Health Insurance Medicaid managed care program. It will give you with a “medical home” and a primary care provider (PCP) who will be able to coordinate all of your medical care.
As a North Carolina Health Insurance CCNC/CA member, you are eligible for all the services that are covered by Medicaid. Being a member also has the following advantages: You can pick your own “medical home” with a primary care doctor. A medical home can be chosen for each family member individually to meet their particular needs. If you do not choose a medical home, you will be automatically assigned to one.
You can call your primary doctor day or night for medical advice. Check your North Carolina Health Insurance Medicaid ID card to find your doctor’s daytime and after-hours phone numbers.
You may have a North Carolina Health Care CCNC/CA care manager who will be able to assist you in better understanding and managing your health care. A care manager can teach you how to stay healthy. Ask your doctor for more details about how to obtain a care manager and what a care manager can help you.
You receive regular sick care and well care at your medical home that is covered by North Carolina Health Insurance. These services include: annual physical check-ups, regular immunizations, Pap smears, prescription drugs.
Your primary doctor will make referrals to other doctors who work within the North Carolina Health Insurance CCNC/CA program if you need specialist care that is not provided in your primary doctor’s office. Examples of special services could include mammograms or other tests that are needed to diagnosis health problems.
The North Carolina Health Insurance Seniors' Health Insurance Information Program (SHIIP) answers questions and counsels Medicare beneficiaries and caregivers about Medicare, Medicare supplements, Medicare Advantage, Medicare prescription drug plans, long-term care insurance and other health insurance concerns. The counsellors provide free and unbiased counselling services on Medicare health care products. The North Carolina Health Insurance SMP Program provides help with Medicare/Medicaid billing errors, fraud and abuse.
To learn more about these great offerings from North Carolina Health Insurance check out www.healthinsuranceusa.com.
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