• Aetna
• Assurant
• Blue Cross and Blue Shield

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• GoldenRule
• Humana

• Supplemental Medigap Insurance
• Medicare Advantage Insurance
• Blue Cross and Blue Shield

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• CIGNA
• SecureHorizons by UnitedHealthcare
• Unicare
• Universal American
• WellCare

North Carolina Supplemental Health Inurance & Long Term Care Information

Supplemental Health Insurance

Supplemental health insurance provides limited coverage and benefits for specific health care conditions and expenses. Supplemental policies should not be used as a substitute for comprehensive health insurance coverage. Following are some examples of supplemental policies.

Cancer

Cancer policies provide limited benefits when the insured person is diagnosed with cancer (as defined in the policy contract). Most policies contain a schedule of benefits describing the amount of payments for covered cancer treatments. Benefits under these types of insurance plans are normally paid directly to the insured person.

Dental

Dental insurance provides benefits for care and treatment of the teeth and gums. Benefits vary from policy to policy, as some may cover 100 percent of preventative care (such as semi-annual check-ups, fluoride treatments, etc.) while others may only cover a portion of preventative care. Typically, dental insurance plans provide limited benefits for preventative, basic, major and orthodontic services. There is normally an annual benefit maximum for covered services. Additionally, benefits for orthodontic procedures such as braces, retainers, etc. are usually very limited and have a lifetime benefit maximum.

Hospital Indemnity

Hospital indemnity policies provide benefits, usually a specified dollar amount, for each day of hospital confinement.

Medicare Supplement

The federal Medicare program covers most (but not all) medical expenses for people age 65 and older, and for individuals under age 65 receiving Social Security disability benefits. A Medicare Supplement policy may be purchased to help pay for deductibles, copayments and other expenses not covered by the Medicare program. By law, only 12 types (A through L) of Medicare Supplement policies may be sold, each of which offers a different combination of benefits. For information and counseling on Medicare Supplement policies, contact the Seniors' Health Insurance Information Program (SHIIP) at 1-800-443-9354 or visit www.ncshiip.com.

Specified Accident

Specified accident plans provide limited benefits for covered accidents. Loss of limb or sight in one or both eyes may also be covered.

Long Term Care

Long Term Care policies generally provide benefits for skilled and intermediate nursing home care. Benefits for personal (custodial) care may also be provided for care received in approved facilities. These policies usually pay a fixed amount per day while the insured person is in a nursing home. Most policies contain waiting periods, during which no benefits are paid. Some policies also cover alternative types of care such as home health care or adult day care. Some even cover home modification expenses. Normally, these policies cover care received in facilities that are licensed by the state, participate in Medicaid and Medicare, and meet the policy's definition of skilled, intermediate or custodial care. Information and counseling on long term care insurance is also available from the Department of Insurance's Seniors' Health Insurance Information Program (SHIIP), at 1-800-443-9354.