North Carolina Medicare, Medicaid, and Long-term Care License

You need the Accident and Health part of a license, which a Life & Health license covers. In short:

• Hold a North Carolina Life & Health (or Accident and Health) license? You're set to add this specialty.
• Hold Life only? That is not enough on its own. You'll need to add Accident and Health first.
• Not licensed in Health yet? Start with our Life & Health coursePre License North Carolina Life And Health Insurance.aceable.com, then come back to add Medicare Supplement and Long-Term Care.

From private carriers, this license lets you sell:

• Medicare Supplement (Medigap) policies that fill the gaps Original Medicare leaves
• Long-term care insurance for extended care like assisted living, nursing homes, and in-home care

You'll also lean on a working knowledge of Medicare and Medicaid, since both shape the advice you give clients.

For agents in North Carolina, often yes. The state's aging population, especially in its coastal retirement communities, creates steady demand for Medicare Supplement and long-term care coverage. Because these products renew and clients tend to stay for years, the specialty can build reliable recurring income on top of the Health book you already have. See how the lines compare on NC earning potentialResources Pre License Which Insurance License Makes The Most Money In North Carolina Insurance.aceable.com.

Most candidates are ready in a week or two of focused study, depending on your schedule and how familiar you already are with health insurance. Because the course is self-paced and on your phone, you can move as quickly or as steadily as you need. Here is the full licensing timelineResources Pre License How Long Does It Take To Get An Insurance License In North Carolina Insurance.aceable.com.

There are four moving parts of how people pay for care later in life:

• Medicare: the federal health program for people 65 and older. Covers doctors and hospitals, but not long-term custodial care.
• Medicare Supplement (Medigap): private coverage that fills the gaps Original Medicare leaves behind.
• Long-term care insurance: private coverage for the daily, hands-on care Medicare will not pay for.
• Medicaid: the government program that does pay for long-term care, but only after someone spends down their assets.