What is the cheapest Plan G in North Carolina?

Wellabe currently offers the lowest Plan G premium in North Carolina at approximately $113 per month for a 65-year-old, with some carriers as low as $95/mo depending on your zip code. Rates vary by age, gender, and location.

Is Plan G worth it in North Carolina?

Plan G is widely considered the best value Medigap plan for anyone eligible after January 1, 2020. After paying the $257 annual Part B deductible, Plan G covers 100% of Medicare-approved costs.

Can I switch Plan G carriers in North Carolina?

Yes, but you will likely need to pass medical underwriting. North Carolina does not have a birthday rule, so switching outside of your initial open enrollment period requires answering health questions.

Is there a birthday rule in North Carolina?

No. North Carolina does not have a Medigap birthday rule. Your best opportunity for guaranteed acceptance is during your initial 6-month open enrollment period starting when you turn 65 and enroll in Part B.

Does Plan G cover prescription drugs?

No. Plan G does not cover prescription drugs. You need a separate Medicare Part D plan for medication coverage.

Can I use Plan G with any doctor in North Carolina?

Yes. Plan G works with any doctor or hospital in the United States that accepts Medicare. There are no networks, no referrals, and no prior authorizations.

Best Medicare Supplement Plan G Rates in North Carolina (2026)

Plan G covers everything except the $257 Part B deductible. Compare rates from 30+ carriers in North Carolina to find the lowest premium.

Lowest Rate

$95/mo

Average Rate

$130/mo

Carriers

30+

Compare North Carolina Plan G Rates Talk to an Agent

What Does Plan G Cover?

Plan G is federally standardized, meaning every carrier offers identical coverage. The only out-of-pocket cost is the annual Part B deductible.

BenefitPlan G

Part A hospital coinsurance and costs (up to 365 days after Medicare benefits are used)

Part B coinsurance or copayment

Part A hospice care coinsurance or copayment

Part A deductible ($1,676 in 2026)

Part B deductible ($257 in 2026)

Part B excess charges

Blood (first 3 pints)

Skilled nursing facility coinsurance

Foreign travel emergency (80%, up to plan limits)

Bottom line: After paying the $257 Part B deductible once per year, Plan G and Medicare together cover 100% of Medicare-approved costs for the rest of the year. No copays, no coinsurance, no surprise bills.

Plan G Rate Comparison - North Carolina Carriers

Rates shown are typical monthly premiums for a 65-year-old female non-smoker. Your rate may vary by age, gender, zip code, and tobacco use.

#	Carrier	Plan G Monthly	AM Best	Discounts	Score
1	Wellabe Lowest Rate	$113/mo	A-	Household discount available	4.5
2	AARP/UnitedHealthcare	$117/mo	A+	Household, payment mode, and loyalty discounts	4.7
3	HealthSpring (formerly Cigna)	$130/mo	A	Household discount, annual payment discount	4.2
4	Mutual of Omaha	$135/mo	A+	Household discount (up to 12%), annual payment discount	4.4
5	State Farm	$153/mo	A++	Household discount available	4.9

Premiums are based on publicly available rate filings and may not reflect the exact rate in your zip code. Always request a personalized quote for accurate pricing.

See Plan G Rates in Your ZIP Code

Rates vary significantly by location. Enter your zip code to see what carriers charge for Plan G in your area of North Carolina.

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How to Find the Cheapest Plan G in North Carolina

Because every Plan G policy covers the same benefits regardless of the carrier, the only variable that matters when choosing a plan is the premium. Finding the lowest rate requires understanding how carriers price their policies and which discounts are available.

Pricing Methods in North Carolina

Most carriers in North Carolina use attained-age pricing, which means your premium increases as you get older. This is the most common method nationwide. A few key things to know:

- Premiums are lowest when you first enroll (typically at age 65)
- Rates increase annually based on your age plus medical inflation
- The carrier with the lowest rate at 65 may not be the lowest at 75
- Rate increase history matters more than the starting premium

Discounts That Lower Your Premium

Household discount: If you and your spouse both have Medigap policies with the same carrier, many companies offer 5-12% off each premium. Mutual of Omaha offers up to 12%.

Payment mode discount: Paying annually or quarterly instead of monthly can save 2-5% per year with some carriers.

Loyalty discount: AARP/UnitedHealthcare offers loyalty discounts for long-term policyholders.

Plan G vs. Plan N in North Carolina: Which Saves You More?

Plan N is the most common alternative to Plan G. It has lower premiums but introduces copays and does not cover Part B excess charges.

Feature	Plan G	Plan N
Part B deductible	Not covered	Not covered
Part B coinsurance	100% covered	100% covered (with copays)
Office visit copay	None	Up to $20
ER copay (not admitted)	None	Up to $50
Part B excess charges	100% covered	Not covered
Avg. monthly premium (FL)	$130/mo	$93/mo
Best for	Predictable costs, no surprises	Lower premiums, fewer doctor visits

When to choose Plan N over Plan G: If you visit the doctor fewer than 3-4 times per year, rarely go to the ER, and your doctors all accept Medicare assignment (no excess charges), Plan N can save you $50-60 per month in North Carolina. If you see specialists frequently or want zero out-of-pocket costs after the deductible, Plan G is the safer choice.

North Carolina Medigap Rules You Need to Know

Open Enrollment Period

Your Medigap open enrollment period lasts 6 months, starting the month you turn 65 and are enrolled in Medicare Part B. During this window, no carrier can deny you or charge more based on health conditions. This is your best opportunity to lock in coverage.

No Birthday Rule

Unlike California, Oregon, and Louisiana, North Carolina does not have a Medigap birthday rule. There is no annual window to switch plans without medical underwriting. If you want to change carriers after your initial enrollment, you will need to qualify through underwriting.

Guaranteed Issue Rights

Federal law provides guaranteed issue rights in specific situations, such as when your Medicare Advantage plan leaves your area, your employer group coverage ends, or your current Medigap carrier goes bankrupt. In these cases, carriers must accept you without health questions.

Free Look Period Free Look Period & SHINE SHIIP

North Carolina provides a 30 days free look period after purchasing a Medigap policy. If you are not satisfied, you can cancel for a full refund. North Carolina also offers the SHIIP program (Seniors Health Insurance Information Program), which provides free, unbiased Medicare counseling through the NC Department of Insurance.

How to Enroll in Plan G in North Carolina

Confirm you have Medicare Part A and Part B

You must be enrolled in both Medicare Part A and Part B before you can purchase a Medigap plan. If you are turning 65, make sure your Part B enrollment is active.

Compare rates from multiple carriers

Since every Plan G covers the same benefits, the only difference is the premium. Compare quotes from at least 3-5 carriers in your North Carolina zip code to find the best rate.

Apply during your open enrollment period

Your 6-month Medigap open enrollment period is your best window. During this time, carriers must accept you at standard rates regardless of health conditions.

Review your policy during the 30 days free look period

After your policy starts, you have 30 days to review it. If you are not satisfied for any reason, you can cancel for a full refund of premiums paid.

Compare Plan G Rates in North Carolina

Frequently Asked Questions: Plan G in North Carolina

Find the Lowest Plan G Rate in Your Area

The same Plan G can cost 50% more from one carrier to another in the same zip code. Compare rates from 30+ carriers in North Carolina to make sure you are not overpaying.