NC Benefits Navigator Program
As a member of the North Carolina Navigator Consortium, Charlotte Center for Legal Advocacy’s NC Benefits Navigator Program provides free, unbiased advice to residents of Cabarrus, Mecklenburg and Union counties and provides free, trusted assistance to help individuals and families access essential health coverage, food assistance, and other vital resources. Our trained navigators are here to guide you every step of the way—at no cost to you.
What We Can Help You With
Health Coverage (Marketplace & Medicaid)
- Apply and enroll in Marketplace health coverage
- Report on changes to your Marketplace plan
- Appeal Marketplace decisions
- Understand Marketplace tax forms
- Offer guidance if you have problems or complaints about your coverage or benefits and refer you to the right agency or office for help (such are NCMedHelp, hospital medical debt and financial assistance programs, etc.)
- Assistance with Marketplace fraud concerns (agents or brokers)
- Explain all available health coverage options, including eligibility for Medicaid, in a fair, honest and unbiased way
- Complete a Medicaid application
- Complete Medicaid renewal forms
- Appeal a Medicaid denial
Need to enroll in a health insurance policy or update the one you have?
Food & Nutrition Assistance
- Advise on eligibility for Food Stamps and the application process
- Complete a Food Stamp (FNS) application
- Complete Food Stamp recertification forms
- Appeal a Food Stamp denial or termination
- Referrals to local food banks
- Referral to WIC (for pregnant individuals and children under age 5)
Additional Benefits & Support
- Apply for the Low-Income Energy Assistance Program (LIEAP)
- Apply for the Crisis Intervention Program (CIP) when experiencing a cooling or heating-related crisis that is a life-threatening or health-related emergency and sufficient, timely and appropriate assistance is not available from any other source
- NC Benefits screening and referrals
- Referrals to low-cost programs (including dental and vision care)
- Medication assistance program referrals
- SHIIP counselor referrals (for those transitioning to Medicare or newly eligible)
Schedule Your FREE Appointment
Need help? Our team is ready to assist you.
- Call 980-256-3782
- Visit ncnavigator.org
Schedule your FREE phone appointment today and get the support you deserve.
Why Choose Us?
- ✔ Free and confidential services
- ✔ Trusted, unbiased assistance
- ✔ Bilingual support available
- ✔ Serving the Charlotte community and beyond
During 2024, the Health Insurance Navigators:
- Completed 1,704 appointments, enrolling 487 individuals in Medicaid or Marketplace plans
- Provided post-enrollment assistance to 213 consumers
- Served diverse communities with support in English, Spanish, ASL and other languages
Additional Resources
Apply for benefits and services online: https://epass.nc.gov
Need to enroll in a health insurance policy or update the one you have?
NC Justice Center & CCLA Immigrant Eligibility Changes Factsheet (English)
NC Justice Center & CCLA Immigrant Eligibility Changes Factsheet (Spanish)
NC DHHS Work Requirements Factsheet (English)
NC DHHS Work Requirements Factsheet (Spanish)
Public Charge: What Families Need to Know
Immigrant Access to Health Insurance & Nutrition Programs
Inmigrantes: Seguro de Salud y Programas de Alimentacion
CLASP Presentation: Immigrant Access to Health Care in N.C.
Health Insurance Options for Immigrant Families
Seguro Medico para Familias Inmigrantes
North Carolina Health Insurance Eligibility for Immigrants (Sept. 2025)
Programa de Navegadores de Beneficios de Carolina del Norte
Como miembros del Consorcio de Navegadores de Carolina del Norte, los Navegadores de Beneficios de NC del Centro de Apoyo Legal de Charlotte brindan asesoramiento gratuito e imparcial a los residentes de los condados de Cabarrus, Mecklenburg y Union. Ofreciendo asistencia gratuita y confiable para ayudar a individuos y familias a acceder a la cobertura médica, a la asistencia alimentaria y a otros recursos esenciales. Nuestros navegadores capacitados están aquí para guiarle en cada paso—sin costo alguno.
En Qué Podemos Ayudarle
Cobertura de Salud (Marketplace y Medicaid)
- Solicitar e inscribirse en una cobertura de salud a través del Mercado de Seguros Médicos.
- Informar sobre cambios en su plan del Mercado de Seguros Médicos.
- Apelar decisiones del Mercado de Seguros Médicos.
- Entender los formularios de impuestos del Mercado de Seguros Médicos.
- Ofrecer orientación si tiene problemas o quejas sobre su cobertura o beneficios, y referirle a la agencia u oficina adecuada para recibir ayuda (como NCMedHelp, programas de asistencia para deudas médicas hospitalarias y programas de asistencia financiera, entre otros).
- Brindar asistencia si tiene inquietudes sobre posibles fraudes relacionados con el Mercado de Seguros Médicos (por parte de agentes o corredores de seguros).
- Explicar de manera justa, honesta e imparcial todas las opciones de cobertura de salud disponibles, incluida la elegibilidad para Medicaid.
- Completar una solicitud de Medicaid.
- Completar los formularios de renovación de Medicaid.
- Apelar una denegación de Medicaid.
¿Necesita inscribirse en un plan de seguro médico o actualizar el que ya tiene?
Asistencia de Alimentos y Nutrición
- Brindar orientación sobre los requisitos para recibir beneficios de alimentos y el proceso de solicitud
- Completar una solicitud de beneficios de alimentos (FNS)
- Completar los formularios de recertificación de beneficios de alimentos
- Apelar una denegación o terminación de beneficios de alimentos
- Referirle a bancos de alimentos locales
- Referirle al programa WIC (para personas embarazadas y niños menores de 5 años)
Beneficios y Apoyo Adicional
- Solicitar el Programa de Asistencia Energética para Hogares de Bajos Ingresos (LIEAP)
- Solicitar el Programa de Intervención en Crisis (CIP) cuando enfrente una crisis relacionada con la calefacción o el aire acondicionado que represente una emergencia que ponga en peligro la vida o la salud, y no haya asistencia suficiente, oportuna y adecuada disponible de ninguna otra fuente
- Evaluación de elegibilidad para beneficios de Carolina del Norte y referencias a programas disponibles
- Referencias a programas de bajo costo (incluidos servicios de atención dental y de la vista)
- Referencias a programas de asistencia para medicamentos
- Referencias a consejeros de SHIIP (para personas que están haciendo la transición a Medicare o que recientemente cumplieron con los requisitos de elegibilidad)
Llame para hacer su cita GRATIS
¿Necesita ayuda? Nuestro equipo está listo para asistirle.
- Llame: 980-256-3782
- Visite: ncnavigator.org
Programe su cita telefónica GRATIS hoy mismo y obtenga el apoyo que merece.
¿Por Qué Elegirnos?
- ✔ Servicios gratuitos y confidenciales
- ✔ Asistencia confiable e imparcial
- ✔ Atención bilingüe disponible
- ✔ Sirviendo a la comunidad de Charlotte y más allá
Latest News, Stories and Updates:
- Meet MyFriendBen: In 6 minutes, most people find about $2,500 in monthly benefits and tax creditsVisit bennc.org/CCLA here
- A $1,000,000 Outcome for JerryWhen Jerry’s* mother passed away in April 2025, he and his brother were grieving her loss while also trying to manage the many responsibilities that come with the passing of a loved one. A few months later, Jerry received a letter that left him stunned. NC Medicaid informed him that because his mother had received… Read more: A $1,000,000 Outcome for Jerry
- “This was a lifesaver for my son”For more than a decade, Medicaid has been a lifeline for John. After being diagnosed with hypermobility, he endured years of intense joint pain while working with his doctors to find a medication that could ease his suffering without causing harmful psychological side effects. When he finally found a drug that worked, it transformed his… Read more: “This was a lifesaver for my son”
- Client Testimonial“I had a frustrating experience recently where the insurance marketplace thought I was Medicaid eligible despite that not being the case. I made numerous calls and spent hours on the phone trying to resolve this to no avail. The process to undo this was maddening. I was referred to your agency, and luckily was assigned… Read more: Client Testimonial
- SNAP Benefits UpdateNote: At the time of posting this (Thursday, Nov. 6), it is believed that SNAP beneficiaries, nearly 1.4 million North Carolinians, will receive a reduction in benefits for November that may vary depending on the amount usually received. The timing for the partial benefits to be loaded on EBT cards remains uncertain, but payments may… Read more: SNAP Benefits Update
