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North Carolina Medicare Supplement Plans in 2023


Medicare Supplement (Medigap) plans in North Carolina are the same standardized plans available throughout the country. Medigap plans are a secondary option to Original Medicare. Many beneficiaries enroll in a Medicare Supplement plan to help cover the out-of-pocket costs left by Original Medicare.

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Whether you are new to Medicare or have been enrolled for a while, it is essential to ensure you are on the best coverage year after year. Below, we review all Medicare Supplement plans in NC and how you can benefit from enrolling in a plan.

What are Medicare Supplement Plans in NC?

Original Medicare beneficiaries in North Carolina can enroll in a Medicare Supplement plan. Medicare Part A and Part B do not provide 100% coverage, but a Medigap plan can provide extra coverage. Several beneficiaries decide to enroll in Medicare Supplement plans in NC because they want peace of mind knowing they have coverage in the worst situations.

When you enroll in a Medicare Supplement plan in NC, you can visit any doctor or hospital accepting Original Medicare. You can never be denied care based on the carrier of your plan.
North Carolina has close to 2 million Medicare beneficiaries. Over half of these people choose to enroll in Original Medicare. This allows them to enroll in a Medicare Supplement plan. If you are one of these beneficiaries, a Medicare Supplement plan may be right for you.

What are the Best Medicare Supplement Plans in NC?

The best Medicare Supplement plans in NC are consistent with the best Medicare Supplement plans nationwide. Due to their low out of pocket costs and comprehensive coverage, the best Medigap plans are: 

  • Medicare Supplement Plan F
  • Medicare Supplement Plan G
  • Medicare Supplement Plan N

Medicare Supplement Plan F is the most comprehensive plan, but not all Medicare beneficiaries are eligible. If you received Original Medicare after January 1, 2020, you are no longer eligible for Medigap Plan F. New Medicare beneficiaries do not qualify for Plan F, so they will not have the opportunity to enroll in this coverage. You are only responsible for your monthly premium when you have Medigap Plan F. All out-of-pocket costs receive 100% coverage from day one with Medigap Plan F.

There are options if you are not eligible for Plan F but still want comprehensive coverage. Medicare Supplement Plan G is the second-most comprehensive policy, and it is available to all Medicare beneficiaries, regardless of when they become eligible for Original Medicare coverage. Additionally, Medigap Plan G is quickly growing in popularity among those eligible for Plan F due to Plan G’s low monthly premiums. The only cost Plan G does not cover is the Medicare Part B deductible. So, once the deductible is met, you are covered at 100%.

Finally, Medicare Supplement Plan N is popular for its low rate increases and low premium. However, you must be comfortable paying occasional $20-$50 copayments at the doctor or hospital and excess charges. Excess charges are not allowed in every state, but are not you may be subject to an additional cost when seeing a doctor who does not accept Medicare assignment.

North Carolina allows excess charges, so you will need to speak with your doctor about Medicare assignment before receiving treatment. If you receive coverage in a state that does not allow excess charges, you will not pay any additional costs. However, these costs are very rare even in the states that do allow them.

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How Much do Medicare Supplement Plans in NC Cost?

The cost of Medicare Supplement plans in NC can vary based on several factors. These factors most notably include age, location, sex, and smoking status. The answer to each of these questions can impact your monthly premium price of any Medigap plan.

To provide an example of the Medicare Supplement plan cost in North Carolina, we show the average monthly premium price of the most popular Medigap plans for a 65-year-old non-smoking male and female.

65-Year-Old Female, Non-Smoking
Medigap Plan Monthly Premium
Medicare Supplement Plan F $108-$308
Medicare Supplement Plan G $87-$290
Medicare Supplement Plan N $68-$274
65-Year-Old Male, Non-Smoking
Plan Type Premium Cost
Medicare Supplement Plan F $120-$348
Medicare Supplement Plan G $98-$328
Medicare Supplement Plan N $77-$310

While the above costs are average for North Carolina, your exact premium could be higher or lower than our examples. The best way to determine your actual price is to speak with an agent who can analyze your needs based on your health and budget.

Who Can Enroll in Medicare Supplement Plans in NC?

To qualify for a Medicare Supplement plan in North Carolina, you must live in the policy’s service area and have Original Medicare. The best time to enroll in Medigap is during your Open Enrollment Period; this is the only opportunity for most people to enroll in a Medicare Supplement plan without health questions.

If you miss the Medicare Supplement Open Enrollment Period, you can sign up for Medigap at any time. But, you must qualify for a policy by going through underwriting if you wait. If you go through underwriting, we recommend applying for coverage at least 30 days before you need the policy to start.

In some cases, you may receive guaranteed issue rights. These situations allow you to enroll in Medigap outside of the Open Enrollment Period without worrying about underwriting. To be eligible, you must have a qualifying life event.

Additional Medicare Plans in North Carolina

In addition to Medicare Supplement plans in NC, beneficiaries can enroll in Medicare Part D and dental, vision, and hearing plans to round out their health coverage. These plans cover the most significant holes in Original Medicare and allow beneficiaries to obtain full coverage with almost no restrictions.

If you decide a Medicare Supplement plan is not suitable for you, other options may better suit your situation. In North Carolina, Medicare beneficiaries can also enroll in Medicare Advantage plans during specific enrollment periods. These plans bundle Medicare Part A and Part B benefits with prescription drug, dental, vision, and hearing coverage.

You cannot simultaneously have a Medicare Advantage plan and a Medicare Supplement plan. Thus, you should consider ancillary coverage and a Medicare Part D plan if you have Original Medicare and Medigap.

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How to Apply for Medicare Supplement Plans in North Carolina

Comparing Medicare Supplement plans in NC can be challenging without the help of an expert. To find a policy in your state, you do not necessarily need an agent in your state. Our agents can help you identify the best coverage options and walk you through the process of enrolling.

Even after your policy is active, our Customer Care Team is here to assist with any issues. So, if you ever have a question about coverage or need help filing a claim, we have your back!

Give us a call at the number above to find out the rates in your area. Or, fill out an online rate form to see your rates now!

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Sources:

MedicareFAQ is dedicated to providing you with authentic and trustworthy Medicare information. We have strict sourcing guidelines and work diligently to serve our readers with accurate and up-to-date content.

  1. Medicare Supplement Plans, NCDOI. Accessed May 2022.
    https://www.ncdoi.gov/consumers/medicare-and-seniors-health-insurance-information-program-shiip/medicare-supplement-plans

Jagger Esch

Jagger Esch is the Medicare expert for MedicareFAQ and the founder, president, and CEO of Elite Insurance Partners and MedicareFAQ.com. Since the inception of his first company in 2012, he has been dedicated to helping those eligible for Medicare by providing them with resources to educate themselves on all their Medicare options. He is featured in many publications as well as writes regularly for other expert columns regarding Medicare.

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