Financial Aid and Medicaid continued...
You also may be eligible for cost-sharing subsidies that will lower your costs when you get medical care. Cost-sharing subsidies are available only if you buy a silver-level plan.
Some states expanded Medicaid so more people can get health insurance coverage. Although North Carolina did not, you may still qualify for some type of assistance even if your income is too low to qualify for a premium subsidy.
CHIP: The Children's Health Insurance Program, called Health Choice for Children in North Carolina, provides coverage for children of some families who have a low income but are not eligible for Medicaid. For information, go to ncdhhs.gov.
Check with HealthCare.gov to see if you are eligible for these programs.
In addition to Healthcare.gov, there are several ways you can get help with your insurance decisions:
- Call Center: You can call the federal government's help line, 800-318-2596, 24 hours a day, 7 days a week for information, help, and to buy insurance. The state’s legal aid program has also set up a phone line to help residents get enrolled. Call the Marketplace Appointment Scheduling Hotline at 855-733-3711.
- Navigators and Assisters: They can teach you about the Marketplace and guide you through your insurance decisions. For help, there are several local organizations approved to operate Navigator programs, including Mountain Projects, which serves the western part of the state, and The Benefit Bank of North Carolina is also offering enrollment and screening assistance.
- Local, State, and Federal Organizations: Many health and community organizations, public libraries, and hospitals are offering help. Find a list at LocalHelp.HealthCare.gov.
- Insurance Brokers and Agents: People in the insurance business who are specially trained also can help you buy insurance through the Marketplace, and they may have policies that are not offered on the Marketplace. You can only get tax credits or subsidies if you buy through the Marketplace, though.