9-30 Recap of Healthcare Hot Topics: Access to Care in N.C.

When it comes to health care in North Carolina, a lot is changing. Charlotte Center for Legal Advocacy and CareRing recently hosted a policy update to help residents understand what’s changing and how we can protect access to care in our community. Learn about what is happening and use these resources to stay informed.

Medicaid Transformation in North Carolina

North Carolina’s Medicaid program is changing. The state has contracted with private health insurance companies to manage health care for most N.C. residents who receive health coverage through Medicaid and NC Health Choice (CHIP). Find out what you need to know to prepare your family or your patients for these changes.

Find out what these changes mean for you and your family and what you need to do to continue receiving your Medicaid benefits.

Contact Charlotte Center
for Legal Advocacy
Becca Friedman (English)
Johanna Parra (Español )

Learn more about Medicaid Transformation in NC

Access to Care Under the Affordable Care Act

Despite misinformation, repeal attempts and significant budget cuts for outreach and advertising, the Affordable Care Act has enabled thousands of North Carolinians to receive affordable health insurance with protections from pre-existing condition exclusions and limits over the last nine years.

More North Carolinians would have access to affordable health coverage and care if the state were to expand it’s Medicaid program under the Affordable Care Act by 2020, which would have provided $21 billion in federal tax dollars to the state and created 43,000 jobs.

Because the state has failed to expand its program, at least 200,000 N.C. residents fall into the Medicaid Gap, where their income is too high to qualify for the current Medicaid program while also being too low to qualify for financial assistance to purchase health insurance under the Affordable Care Act.

Despite N.C.’s failure to expand Medicaid, the state’s uninsured rate is at 11 percent and continues to decrease. Last year, Mecklenburg County had the highest number of enrollments in the state with 60,229 residents enrolling in a Marketplace plan; 53,878 received financial assistance, and 16,655 enrolled for the first time.

There are still more than 1 million N.C. residents who remain uninsured but eligible for coverage with financial assistance.

Open Enrollment Nov. 1 – Dec. 15 2019

Navigators are available Monday through Friday 9 a.m. to 5 p.m. across Cabarrus, Mecklenburg and Union counties, with enrollment events every Wednesday and Saturday. Make a free appointment today:

  • Call 1-855-733-3711

Learn more about the Health Insurance Navigator Project

Immigrant Access to Health Care in North Carolina

Over the last two years, immigrant families have been targeted by policy changes that have impacted their safety, security and stability.

As advocates for health care and immigrant families, we have the opportunity to fight fear with facts.

Immigrants — including naturalized citizens, lawfully present non-citizens and people who are undocumented — make up 13 percent of the U.S. population. The vast majority of children in immigrant families are U.S.-born citizens, which means they have access to the same health care and benefits as other U.S. citizen children.

Shift in Federal Immigration Policies

  • Increasing immigration enforcement
  • Removal of legal protections
  • Reducing access to public benefits

Impact on Health Care Access

  • Immigrant families, including those with lawful status, are experiencing resounding levels of fear and uncertainty.
  • Increased fears are having significant negative effects on the health and well-being of children that have lifelong consequences.
  • Immigrant families have growing concerns about participating in public programs.

What you can do

  • Understand these policies and how they impact our community
  • Help patients understand their health coverage options.
  • Make your voice heard! Hold policy makers accountable to protect and expand access to health care in our community.

Questions? Contact Charlotte Center for Legal Advocacy

Conozca Sus Derechos

Usted tiene derechos. Sin importar su estado migratorio. Para protegerse usted y su familia, es importante saber sus derechos.

You have rights regardless of your immigration status. To protect yourself and your family, you must know your rights.

Nuestras organizaciones reconocen que la incertidumbre sobre el futuro puede causarles inquietudes a las familias inmigrantes. Esperamos que estos recursos puedan brindar las familias herramientas necesarias para convertir las angustias en acción.

Our organizations understand that uncertainty about the future creates anxiety for immigrant families. We hope that these resources below can give families tools to transform fear into action.

Juntos, podemos construir una comunidad más acogedora y justa para todas las personas.

Together, we can build a more welcoming and just community for all people.

El Centro de Apoyo Legal de Charlotte
La Coalición
El Puente Hispano
Action NC
Comunidad Colectiva


Guia De Planeación De Emergencia para la COMUNIDAD INMIGRANTE / An Emergency Planning Guide for the Immigrant Community

Conozca Sus Derechos: Guia sobre sus derechos / Know Your Rights: Guide to your rights

12 Cosas que usted y su familia deben recordar en cualquier situacion / 12 Things for you and your family to remember in any situation

Tarjeta Roja de Derechos Constitucionales / Red Card Outlining Constitutional Rights

Evite el Fraude de Notarios Públicos / Avoid Notario Fraud

10 things to remember when buying a used car

Buying a used car can sometimes feel overwhelming. Consumer protection attorney Edward Byron lists the top 10 things to keep in mind when buying a used car.

  1. Know the market value. Check resources at your local library or websites like kbb.com, nadaguides.com, or edmunds.com to find out the market value of the year, make, and model you want to buy before you visit the dealership
  2. Research the dealership. Check out the dealership with the state Attorney General’s Office at 1-877-5-NO-SCAM or N.C. Department of Justice website. Also check your local Better Business Bureau before you go. Read reviews using websites like Google and Yelp.
  3. Get pre-approved. Get pre-approved for a loan before you head to the dealership. That way, you’ll have a better idea of what kinds of cars you can afford and what interest rate you can qualify for. Be aware that dealerships may profit by charging you a higher interest rate than what you actually qualify for.
  4. Price first, then the rest. Negotiate the price of the car before discussing the monthly payments or your trade-in’s value, otherwise you can be tricked into paying far more for the vehicle than it is worth. 
  5. Front-end add-ons like paint treatment, fabric finish, undercoating, appearance packages are very expensive and add little value to the car. If you agree to pay for them, make sure you get them.
  6. Back-end add-ons like GAP insurance and service contracts may provide little coverage. Be sure you understand what is covered and what isn’t before you decide to buy. 
  7. Most used cars are sold “as-is.” This means that if the vehicle breaks down days after you buy it, there is usually very little that you can do. So, be sure to test drive the vehicle, inspect the car thoroughly, and consider taking the car to a mechanic and body shop that you trust before you buy.
  8. Find out about the car’s history. Ask the dealership whether the car has ever been in an accident and get the answer in writing. Get a Carfax or AutoCheck vehicle history report.
  9. Review the vehicle history disclosure statement. This document is required by law and shows if the car has been involved in a major accident or has been salvaged or flooded.
  10. Always read contracts carefully before you sign them and make sure all written documents match what you’ve been promised. Never sign a document that you don’t understand or that has blanks to be filled in later. 
  11. Get a copy of all purchase and financing documents before you leave the dealership and keep them in a safe place (not in the car’s glove compartment, just in case the car is repossessed). 

If you still have questions or you think you have been taken advantage of by a used car dealer, contact Charlotte Center for Legal Advocacy and ask to speak to someone in ourConsumer Protection Program.