Medicaid is a state and federal program that provides health coverage to low-income adults, elderly adults, pregnant women, children and other eligible Americans. The states administer this program, and in North Carolina, the program is called NC Medicaid. North Carolina’s Medicaid program covers a variety of health care services, including doctor visits, hospital services, outpatient therapy, home health care and nursing home care.
North Carolina seniors who receive federal Supplemental Security Income benefits are automatically qualified for Medicaid and don’t need to apply. The state’s Medicaid services are available to single seniors with a monthly income below $1,012. The monthly income limit for couples is $1,372. To be eligible, seniors must have resources that fall beneath the state’s threshold. For single seniors, the resource threshold is $2,000, while for a couple, it’s $3,000. Resources include cash, retirement accounts, investments and other liquid assets.
Seniors who exceed NC Medicaid income and resource limits may qualify for assistance through the state’s Medicaid Deductible program. This program is designed for people with high medical bills. Seniors pay for their own medical bills until they meet a deductible limit, which is determined based on their family income. Once the deductible is met, Medicaid kicks in.
To apply for NC Medicaid, seniors can apply through the state’s online portal. They can also submit a paper application to their local County Department of Social Services. For help applying for Medicaid, seniors can call 1 (800) 662-7030 to speak with a North Carolina Department of Health and Human Services representative.
Personal Care Services, a Medicaid State Plan, may help eligible seniors pay for the personal care services they receive in assisted living facilities. This entitlement program is for seniors who need help with three or more activities of daily living, such as bathing, dressing, eating, mobility or toileting. Seniors who need help with two ADLs may qualify if they require extensive assistance for one ADL. An independent medical assessment determines eligibility.