2027 alertHumana, HealthSpring, Blue Cross and Blue Shield of North Carolina and 3 other companies end some Medicare Advantage plans in North Carolina on December 31. (CMS data) 23 days left in Annual Enrollment (ends Dec. 7).Is your plan ending? →
Questions

Does the NC State Health Plan pay for Medicare Part B?

No. The North Carolina State Health Plan does not pay or reimburse the Medicare Part B premium. Its 2027 materials say retirees must keep Part A and Part B and continue paying the Part B premium to the federal government, plus any income-related amount (IRMAA). People with limited income may get help through North Carolina's MQB programs.

What you pay to Medicare

  • Part B premium: $202.90 a month for most people in 2026. CMS publishes 2027 amounts in the fall; see Medicare costs in 2027.
  • IRMAA: if your modified adjusted gross income from two years earlier was above $109,000 (single) or $218,000 (joint) for 2026 premiums, you pay a higher Part B premium and, with Part D coverage, a Part D surcharge. Try the IRMAA calculator.
  • Part A: most people pay no Part A premium because they or a spouse paid Medicare taxes long enough. About 93% of North Carolina's state and local government workers have Social Security coverage, so most qualify.

The Plan's 2027 Open Enrollment materials say it plainly: you must maintain Part A and Part B to be in the Plan's Medicare Advantage options, and you must keep paying the Part B premium to the federal government. On the 70/30 Plan, dropping Part B doesn't save money overall, because the Plan pays as if Part B had paid and leaves you that share.

Help paying Part B in North Carolina

North Carolina's Medicare Savings Programs are called MQB (Medicare Qualified Beneficiary). Each has its own income limit, set as a percentage of the federal poverty level, and a resource limit of $9,950 for one person or $14,910 for a couple:

ProgramIncome limitWhat it pays
MQB-Q (QMB)Up to 100% of povertyPart B premium, plus Medicare deductibles and coinsurance
MQB-B (SLMB)100% to 120%Part B premium
MQB-E (QI)120% to 135%Part B premium

Apply through ePASS or your county Department of Social Services (DSS). Qualifying also gets you Extra Help with Part D drug costs, which works with Part D coverage, not the 70/30 Plan's drug benefit. See Medicare Savings Programs in North Carolina.

The full Plan guide: State Health Plan retirees and Medicare. To review your costs and options, you can request a call from a licensed insurance agent.

Do state retirees need Part B?

What each Plan option requires.

Sources

More questions in this guide

Part of the guide: State Health Plan retirees and Medicare in North Carolina · All questions

Frequently asked questions

How is the Part B premium paid?

Usually it's deducted from your Social Security benefit. If you don't get Social Security yet, Medicare bills you directly. It isn't taken out of your State Health Plan premium.

Is my State Health Plan premium the same thing as my Part B premium?

No. They are separate. Depending on your hire date, service and covered dependents, you may also owe a Plan premium, which the Plan sets on its 2027 rate sheets.

Do I pay IRMAA on the Plan's Medicare Advantage options?

If your income is above Medicare's limits, yes. The Plan notes that higher-income members in its Medicare Advantage options may owe the Part D income-related amount in addition to the higher Part B premium.

Licensed insurance agents for North Carolina

These independent insurance agents are licensed in North Carolina and work with Benefits Life, the publisher of this site. When they enroll you in a plan, the agent and Benefits Life may be paid by the insurance company. Learn more.

Steven Graves

Steven Graves

Accepting new clients

Independent licensed insurance agent in North Carolina

Southern Pines · English

Casey Gilley

Casey Gilley

Accepting new clients

Independent licensed insurance agent in North Carolina

Chapel Hill · English

Liz OConner

Liz OConner

Accepting new clients

Independent licensed insurance agent in North Carolina

Albuquerque, NM · English, Spanish

Andrea Ensch

Andrea Ensch

Accepting new clients

Independent licensed insurance agent in North Carolina

Colorado Springs, CO · English

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