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Medicare vs. Medicaid in North Carolina

Medicare is federal health insurance for people 65 and older and some younger people with disabilities, whatever their income. NC Medicaid is run by NCDHHS with federal and state funds for people with limited income and resources. Many North Carolinians qualify for both; then Medicare pays first and Medicaid pays after it, including for long-term care.

Side by side

MedicareNC Medicaid
Run byCMS (federal); you sign up through Social SecurityNCDHHS, Division of Health Benefits; county DSS offices decide eligibility
Who qualifies65 and older; under 65 with SSDI for 24 months, ALS or end-stage renal diseaseBased on income, resources, age, disability and other rules
Income testNone to qualify (higher incomes pay IRMAA)Yes; full Medicaid for people 65 and older is at 100% of the federal poverty level (MA-2252)
Long-term careShort skilled nursing stays onlyNursing home care, CAP/DA at home, PACE
How you get careOriginal Medicare or a Medicare Advantage planNC Medicaid Direct or a NC Medicaid Managed Care health plan
Where to applySocial SecurityePASS or your county DSS

When you have both

North Carolinians with both programs are called dual eligibles. Medicare pays first. NC Medicaid then pays what it covers, and it can pay your Medicare premiums and cost sharing. People with both get Extra Help with Part D automatically (42 CFR 423.773(c)). Unlike most Medicaid members, people with Medicare and Medicaid are in NC Medicaid Direct rather than a Standard Plan; NC Medicaid's Standard Plans are for people who are blind or disabled "and do not get Medicare."

If your income is too high for full Medicaid, a Medicare Savings Program may still pay your Part B premium. North Carolina calls these programs MQB: MQB-Q, MQB-B and MQB-E, up to 135% of the federal poverty level. See Medicare Savings Programs in North Carolina.

What Medicaid expansion changed

Since December 1, 2023, NC Medicaid covers adults 19 through 64 with income up to 138% of the federal poverty line. That group is for people who aren't entitled to or enrolled in Medicare (42 CFR 435.119), so expansion mostly helps people before Medicare starts, such as a spouse under 65.

What to do next

  1. Sign up for Medicare on time. Your initial enrollment period runs seven months around your 65th birthday month. See enrollment periods.
  2. Check whether you qualify for NC Medicaid or MQB. Apply through ePASS or your county DSS; the NC Medicaid Contact Center (1-888-245-0179) can help you find it.
  3. Review your Medicare coverage. With both programs, you can stay with Original Medicare and a Part D plan or choose a Medicare Advantage plan. You can request a call from a licensed insurance agent to compare plans from the companies they work with.

More in our guide to NC Medicaid and Medicare.

Does NC Medicaid pay for nursing home care?

Where Medicare stops and Medicaid starts.

Sources

More questions in this guide

Part of the guide: NC Medicaid and Medicare together · All questions

Frequently asked questions

Is NC Medicaid the same as Medicare?

No. Medicare is a federal program run by CMS that you earn through work history or disability. NC Medicaid is a joint federal-state program run by NCDHHS that you qualify for based on income, resources and other rules, and your county Department of Social Services decides eligibility.

Which one pays for a nursing home?

Medicare covers only short skilled nursing facility stays after a qualifying hospital stay, up to 100 days per benefit period. NC Medicaid can pay for long-term nursing home care if you meet its financial and medical rules.

Where do I apply for each?

Apply for Medicare through Social Security (1-800-772-1213, TTY 1-800-325-0778) or ssa.gov. Apply for NC Medicaid online through ePASS or through your county Department of Social Services.

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.

Casey Gilley

Casey Gilley

Accepting new clients

Independent licensed insurance agent in North Carolina

Chapel Hill · English

Steven Graves

Steven Graves

Accepting new clients

Independent licensed insurance agent in North Carolina

Southern Pines · English

Tri Ma

Tri Ma

Accepting new clients

Independent licensed insurance agent in North Carolina

Westminster, CO · English, Vietnamese

Liz OConner

Liz OConner

Accepting new clients

Independent licensed insurance agent in North Carolina

Albuquerque, NM · English, Spanish

See all North Carolina agents →

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