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Medicare Supplement Plans in North Carolina

Any North Carolina resident who will soon be enrolled in Medicare Part A and Medicare Part B should take a moment to compare the best Medicare Supplement insurance plans in North Carolina. Medigap policies can offer Medicare beneficiaries the security of access to a variety of doctors and the ability to control medical costs. Take a minute to learn some facts about Medigap plans, when to enroll, and which coverage levels are available.

  • About 1.2 million North Caroline Medicare beneficiaries are enrolled in Medicare Part A and Part B.
  • Out of all of the people who have Original Medicare insurance, almost 450,000 chose to enhance their benefits with a Medicare Supplement insurance plan.
  • Traditionally, most North Carolinian Medicare beneficiaries have decided that Plan F was the best Medicare Supplement plan for their unique situation.
  • The largest North Carolina counties include Mecklenburg, Wake, Guilford, Forsyth, and Cumberland.

What are the Most Popular Medicare Supplement Plans in North Carolina?

1. Medicare Supplement Plan F:

For a plan that will cover more than any other Medigap policy, consider Medigap Plan F in North Carolina, despite its higher monthly premiums:

  • Part A hospital coinsurance
  • Hospital costs up to 365 days after benefits through Original Medicare are exhausted
  • Part A hospice care copays or coinsurance
  • Part A deductible
  • Part B deductible
  • Part B preventive office visit coinsurance
  • Part B coinsurance or copays
  • Excess charges for Medicare Part B
  • First three pints of blood needed for a medical procedure
  • Coinsurance for care in a skilled nursing facility
  • Limited foreign travel emergency care

2. Medicare Supplement Plan G:

For comprehensive coverage that costs less than Plan F, consider Medigap Plan G in North Carolina:

  • Does NOT cover Medicare Part B deductible

Plan G is the most comprehensive health insurance plan available to those new to Medicare after Jan. 1, 2020. You will have to pay the Medicare Part B deductible, but, like Plan F, you will also have:

1. Low out-of-pocket costs.
2. Freedom to go to any doctor, hospital, or facility that takes Original Medicare.
3. Flexibility for medical care when you travel.
4. Ability to change doctors anytime.
5. Referrals are not necessary.

3. Medicare Supplement Plan N:

For simple and affordable coverage, check out Medigap Plan N in North Carolina:

  • Does NOT cover Part B Deductible
  • Does NOT cover Excess Charges for Part B
  • Requires $20 copay for office visits
  • Requires $50 copay for emergency room visits

Medicare Supplement Plans in North Carolina by Enrollment Numbers

* Data from National Association of Insurance Commissioners (NAIC) Medicare Supplement Insurance Experience Exhibit, 2020.
**According to a survey carried out by Global Strategy Group on behalf of AHIP in January 2021*
AHIP.ORG

  • About 1.2 million North Caroline Medicare beneficiaries are enrolled in Medicare Part A and Part B.
  • Out of all of the people who have Original Medicare insurance, almost 450,000 chose to enhance their benefits with a Medicare Supplement insurance plan.
  • Traditionally, most North Carolinian Medicare beneficiaries have decided that Plan F was the best Medicare Supplement plan for their unique situation.
  • The largest North Carolina counties include Mecklenburg, Wake, Guilford, Forsyth, and Cumberland.

What is the cost for a Medicare Supplement Plan in North Carolina?

The cost of Medigap monthly premiums is based on a few factors:

Community-rated – Monthly premiums are the same for everyone who has the Medigap policy, regardless of age. Premiums may go up because of inflation and other factors.

Issue age – The premium is based on your age when you buy the Medigap policy.

Attained age – The premium is based on your current age and your premium goes up as you get older or due to inflation or other factors.

For the 27604 zip code in Raleigh, North Carolina, here are the averages for a 65-year-old, nonsmoking female:

65-Year Old Female Non-Tobacco
Plan Type Premium Range
Plan F$122.03 - $225.60
Plan G$86.46 - $210.48
Plan N$76.22 - $150.26

When Can I Apply for a Medigap Plan?

The short answer is that you can apply for a North Carolina Medicare Supplement plan during your six-month Medigap open enrollment period. This one-time period automatically starts the month you’re 65 and enrolled in Medicare Part B. During this time, you can buy any Medigap policy sold in your state, even if you have health problems.

After this enrollment period, you can buy a policy, but it may be more expensive because insurers can take your health condition, including preexisting conditions, into consideration when underwriting.

The Medigap open enrollment period is not the same as the Medicare Advantage open enrollment period. Those are two separate timelines and products.

Please speak to your insurance agent to clarify deadlines and enrollment periods.

What Companies Sell Medigap Plans in North Carolina?

You have many options when selecting a private insurance company for your Medigap plans in North Carolina. The following three companies are the most popular in your service area.

1. Cigna

For 2022, Cigna received a five-star rating from Medicare, which is the highest star rating possible. Cigna makes it easy to find Medicare coverage that’s right for you with flexible coverage options and more.

2. Aetna

For 2022, Aetna has an overall weighted average of 4.0 out of 5.0 stars. Aetna offers a wide range of options in their Medigap plans so you can find the right fit for the coverage you prefer.

3. Mutual of Omaha

In 2022, Mutual of Omaha received 2.5 stars out of a 5-star rating. Mutual was one of the very first companies to offer Medicare supplement plans after Medicare began in 1965.

Demographic info plays a key role in setting rates for Medicare Supplement plans. Our Policy Guides can provide an exact quote based on your info in a few short minutes

Companies Offering Medicare Supplement Plans in North Carolina

CAUTION: THE INFORMATION CONTAINED ON THIS PAGE IS UNAUDITED AND NOT A COMPLETE ANALYSIS NOR IS IT AN EXPRESSION OF OPINION ON ANY INSURER. THIS PAGE MAY CONTAIN INADVERTENT ERRORS. Data from National Association of Insurance Companies; 2020 Medicare Supplement Insurance Experience Reports

Ready To Learn More?

My Medigap Plans is a rapidly growing resource for Medicare beneficiaries. We specialize in educating consumers on their options and guiding them through the process of plan selection. We work closely with some of the nations top rated carriers. Compare our list of the 10 Best Medicare Supplement Insurance Companies or take a deeper look at the plans by reviewing our Medicare Supplement Plans Comparison Chart. Learn more or about Medicare Part D Prescription Drug plans, or request a Medicare Supplement Plan Quote.

Related Topics

North Carolina Medicare Resources

Key Take Aways
  • In North Carolina, Medigap Plan G is the most popular plan for 2022.
  • Almost 450,000 chose to enhance their benefits with a Medicare Supplement insurance plan.
  • Medigap plans do not use a network, go wherever Original Medicare is excepted.
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