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Asked by Anonymous

apply for medical insurance

HealthCare.gov has a tool that can help you find health insurance options to meet your medical needs, such as private insurance for individuals, families, and small businesses, or public programs. Find health insurance options.

Asked by Anonymous

How is one approved for Medicade in NC?

Medicaid is health insurance that helps many people who can’t afford medical care. Eligibility is based on income and other circumstances.

The Medicaid eligibility rules are different for each state. Most states offer coverage for adults with children at some income level. Beginning in 2014, most adults under age 65 with individual incomes up to about $15,000 per year will qualify for Medicaid in every state.

Find out if you qualify for Medicaid or other health insurance options.

Should You Change Your Medicare Health Plan?

Medicare beneficiaries can make changes to their prescription and health plans once a year. These changes could result in savings on medical costs, or increased access to new benefits such as wellness visits and preventive care services.

Changes to Medicare health plans can only be made between October 15 and December 7, 2011. They will take effect on January 1, 2012.

Saving Money Is Just One of the Benefits

The open enrollment period is available for people who receive health coverage directly from Medicare as well as those who receive coverage from private insurance companies approved by Medicare. In other words:

  • Members who receive benefits directly from Medicare can switch to a Medicare-approved private insurance company or the other way around
  • Members can switch from one Medicare-approved private insurance company to another.

Changing plans may mean more savings on out-of-pocket costs, as well as prescription drugs. Beneficiaries may also be able to choose or change their doctor or pharmacy.

It’s Worth Comparing

Comparing plans is the best way to figure out if it’s worth making any changes.

Medicare has a plan finder that lets you compare the cost and range of services from health providers in your area. By using this tool you can:

  • See what types of drugs are covered under each health plan
  • Calculate out-of-pocket expenses
  • See how satisfied current members are with a specific health plan

How to Get Help

Medicare.gov has several resources to help you understand the different types of coverage.

If you still have questions you can get personalized help in your area by searching by topic and getting helpful contacts and websites. You can also always call Medicare at 1 (800) 447-8477.

Watch out for Scammers

Scammers are always looking to take advantage of people, especially when there are changes to Medicare services. Be on the lookout for people trying to sell unsolicited products or services under the guise of Medicare services, as they might try to steal your identity. You should protect your Medicare number as well as your Social Security number.

You can report Medicare fraud online or call 1 (800) 447-8477.

Many Preventive Screenings Offered At No Cost Under Affordable Care Act

The Affordable Care Act was passed by Congress and signed into law on March 23, 2010. Many insurance plans are now required to cover the full cost of preventive services, like medical screenings and vaccines.

Some of the screenings covered include

  • Blood Pressure
  • Cholesterol
  • Depression
  • Type 2 Diabetes

Talk to your insurance provider to find out what is covered under your plan. Many of these screenings are covered at no cost under Medicare. Medicaid patients should check with their state to see what is covered.

Find the full list of preventive screenings and vaccines covered under the Affordable Care Act.