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Best Medicare Supplement Plans in North Carolina

Medicare Supplement plans in North Carolina can help seniors and disabled residents on Medicare pay expenses not covered by Original Medicare. If you are already enrolled in or plan to enroll in, Medicare Part A and Medicare Part B, consider adding a Medicare Supplement plan. These plans are also known as Medigap plans.

There are 10 approved Medicare Supplement plans in North Carolina, labeled Plans A through D, F, G, and Plan K through N. Each plan pays specific out-of-pocket expenses, such as co-payments, deductibles, excess charges, and foreign emergency health expenses. Medigap Plan A is the least comprehensive plan and has the least benefits of all of the plan options. Medigap Plan F is the most comprehensive but also the most expensive of Medigap plans that you can purchase from an insurance agency like Blue Cross Blue Shield.

Find Plans in Your Area
 

Most popular Medicare Supplement Plans in North Carolina

Below are descriptions of each Medicare Supplement insurance plan in North Carolina that is recognized as one of the top plans. Once you review and compare these Medicare Supplement insurance plans based on their merit, our licensed insurance agents can guide you through the process of making a personalized selection.

Best for Full Coverage: Medicare Supplement Plan F

  • Medicare Plan F is all-inclusive coverage – coinsurance, copayments, Medicare Part A deductible, and Part B deductible
  • Limited access – available only if you were eligible for Medicare coverage before January 1, 2020

Best Comprehensive Coverage for New Beneficiaries: Medicare Supplement Plan G

  • Medicare Plan G offers the same coverage as Plan F except for the Medicare Part B deductible
  • Available if you were eligible before or after 2020
  • Cost-effective alternative to Plan F if you have the option to choose either plan

Best Value: Medicare Supplement Plan N

  • Medigap Plan N offers great coverage, trading off some benefits to lower your monthly premiums
  • Covers the Part A deductible but not the Part B deductible or Part B excess charges
  • Copayments: up to $20 for doctor visits; up to $50 if you go to the emergency room and are not admitted

Best for Lowest Premiums: High Deductible Plan G

  • Benefits mimic traditional Plan G except for the deductible
  • 2022 annual deductible: $2490
  • Premiums considerably lower than traditional Plan G

Which plan has the best benefits for 2022?

Medigap policies F and G have the best benefits, but you cannot purchase Plan F if your effective date for Medicare eligibility was on or after January 1, 2020. Private insurance companies are not permitted to sell Medigap insurance inclusive of the Part B deductible to newly eligible Medicare beneficiaries.

Medicare Supplement Insurance cost in North Carolina

To estimate the average cost of a Medigap policy in North Carolina, the variables needed are location, gender, age, and tobacco usage.

65-Year Old Female Non-tobacco
Plan Type Premium Range
Plan F$122.03 - $225.60
Plan G$86.46 - $210.48
Plan N $80.44 - $150.26

When Can I Apply for a Medicare Supplement Plan?

Medigap has an Open Enrollment Period distinct from the Annual Election Periods designated for Medicare Advantage and Medicare Part D. The best time to buy a Medicare Supplement Plan in North Carolina is during the Medigap Open Enrollment Period because:

  • You will be eligible to compare and pick any one of the Medicare Supplement insurance plans available in North Carolina.
  • The Medicare insurance company cannot charge higher rates because of health problems.
  • Once this enrollment period ends, you may have to pay higher rates.
  • Applications received after the enrollment period can be declined.

Medigap Open Enrollment Period requirements:

  • Age 65 or older
  • Enrollment in Part B
  • Have six months to apply from the first day of your birthday month

Private health insurance companies are not federally mandated to sell Medicare Supplemental plans to beneficiaries younger than 65. However, North Carolina is one of the states that does provide guaranteed issue rights for people under 65 who have a qualified disability or end-stage renal disease (ESRD).

Guaranteed issue rights

Having guaranteed issue rights means that private insurance companies must:

  • Offer at least one type of supplemental insurance policy
  • Cover pre-existing conditions
  • Disregard past or current health issues in terms of pricing

You may have guaranteed issue rights if you fit one of these scenarios:

  • You are a Medicare Advantage member, and your plan is no longer working with the Medicare program.
  • You have Medicare Advantage, and you relocate out of the plan’s service area.
  • In addition to Original Medicare, you are covered under an employer or union group health insurance plan, which is now ending.
  • You dropped a Medigap policy to enroll in a Medicare Advantage plan within the last year, and you now want to switch back.

FAQ's:

When can I change Medigap plans?

You can switch Medigap policies if one of the following applies:

  • You have a guaranteed issue right.
  • You qualify under a special circumstance.
  • You are within your six-month enrollment period.
  • You are within the 30-day free-look period (must pay the premium for both policies to cover the first month).

Can I be denied coverage?

If you apply for a Medigap policy outside the Medigap Open Enrollment Period, you can be denied coverage based on health issues.

Related Topics

Ready to learn more?

We help educate Medicare beneficiaries on their Medigap options and help them go through the process of reviewing and comparing plans. We work with most of the nation’s top-rated Medigap carriers such as AetnaCignaMutual of Omaha, and Florida Blue Medicare plans. Give us a call today, or request a quote online to learn more about Aetna Medicare Supplement plan G and Mutual of Omaha Medicare Supplement plan G in your state. We educate you on the best Medicare Plans for your situation, then let you decide.

North Carolina Resources

State Links:

Here, we include some useful links to online resources that give more information about Medicare in North Carolina.

Key Take Aways
  • You can not have a Medicare Supplement plan and a Medicare Advantage plan at the same time.
  • There are 10 Medicare Supplement Plans in NC to choose from.
  • In North Carolina, Medicare Supplement Plan G is the most popular plan for 2022.