AARP Medigap Plans in North Carolina

This page contains editorial content that is not endorsed or approved by AARP (Insured by UnitedHealthcare Insurance Company)^[2]. This is not a solicitation of insurance.

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MedicareWireMedicareWire is a Medicare insurance consulting agency. We founded MedicareWire after seeing and hearing how confusing and frustrating it is to find, understand, and choose a plan. Our services are free to the consumer. Rating:	☆☆☆☆☆
A.M. Best Rating:	A
A.M. Best Outlook:	Stable
S&P Rating:	AA-
Established:	1998
NAIC Number:	79413
Policy Fee:	None

What Medigap Policies Does AARP Sell in North Carolina?

AARP (Insured by UnitedHealthcare Insurance Company) offers 10 of the standardized Medigap policies in North Carolina. Each Medigap plan offers a different range of coverage (see comparison chart or check out our review). Here's a quick look at AARP's offering:

Community Rated Medigap Plans: When a plan is "Community Rated" the community will all be charged the same monthly premium if enrolled in the same plan. As an example, if you enroll at age 65 or 72 you would be charged the same amount. PremiumsA premium is an amount that an insurance policyholder must pay for coverage. Premiums are typically paid on a monthly basis. In the federal Medicare program, there are four different types of premiums.  will increase, but your age will not be a factor.

SAVINGS OPPORTUNITY: AARP offers Medicare SELECTMedicare SELECT is a type of Medigap policy (Medicare supplement plan) that requires its members to get their primary care from a contracted provider. plan policies in some areas of North Carolina. A Select plan is a Medigap policy that requires you to use specific hospitals and, in some cases specific doctors, to get the full financial benefit of the plan. A Medicare SELECT plan pays the Medicare Part AMedicare Part A is hospital coverage for Medicare beneficiaries. It covers inpatient care in hospitals and skilled nursing facilities. It also covers limited home healthcare services and hospice care. inpatient deductibleA deductible is an amount a beneficiary must pay for their health care expenses before the health insurance policy begins to pay its share. when you use a network hospital or if you use a non-network hospital for emergency care. Otherwise, you pay the inpatient deductible. Other than that it's the same as the standard Medigap plan.

The table below outlines the coverage of each AARP Medicare Supplement:

REVIEW: AARP Medicare Supplements in North Carolina

AARP scored 4.0 out of 5.0 based on our scoring method. Although their Plan F is not in the top 10 best rates, AARP has been servicing Medicare SupplementsMedicare Supplements are additional insurance policies that Medicare beneficiaries can purchase to cover the gaps in their Original Medicare (Medicare Part A and Medicare Part B) health insurance coverage. for over 10 years and has a good financial rating from A.M. Best. This is a good carrier, but there are other good Medigap carriers with lower rates in North Carolina. See the top 10 competition.

Here are the pros and cons from our analysis:

About This Review

We reviewed AARP's Medicare supplement plan offering in North Carolina versus all other insurance carriers in the state. Our review is unbiased. We use a formula that looks at years in business, A.M. Best financial strength rating, plans serviced, plan premiums and fees. We do not take into account rate increase history. Our goal is to present information accurately and without bias, based on our interpretation of factual information about each carrier.

AARP Medicare Supplement Plan F Compared to Top Ten

Medicare Supplement F is the most popular plan sold in North Carolina. The following table shows how AARP stacks up with the competition.

Contact AARP Medigap Sales

For more information about this Medicare Supplement carrier, and other plans on this site, call 1-855-728-0510 (TTY 711). You may also start your Medicare Supplement enrollment online. You can contact the plan directly at:

For assistance 24 hours a day, call 800-633-4227. TTY users should call 877-486-2048 or visit www.medicare.gov. If you qualify for Medicare but have not yet enrolled or verified your enrollment status, you can do so on the Social Security Administration website.

Eligibility

AARP Medicare Supplements are available to all North Carolina beneficiaries, ages 65 and older, who are enrolled in Medicare Part BMedicare Part B is medical coverage for people with Original Medicare benefits. It covers doctor visits, preventative care, tests, durable medical equipment, and supplies. Medicare Part B pays 80 percent of most medically necessary healthcare services.. If you are just turning age 65, you have guaranteed issue rightsGuaranteed-issue is a right granted to Medicare beneficiaries and applies to Medicare Supplement insurance (aka, Medigap plans). All states and the federal government enforce this essential right, which protects Medicare beneficiaries from medical underwriting. and cannot be turned down by AARP. Plus, your policy cannot be canceled and it will continue to be renewed as long as you pay the premiums on time and make no material misrepresentations.

Availability

AARP services Medicare supplement insurance in Charlotte, Gastonia, Concord, Raleigh, Greensboro, High Point, Winston, Salem, Durham, Fayetteville, Cary, Wilmington, Ashville, Jacksonville, Chapel Hill, Rocky Mount, Burlington, Wilson, and most other North Carolina cities.

Related Medicare Supplement Insurance Topics

• Do I really Need Supplemental Insurance with Medicare??
• Is Medicare Plan G Better Than Plan F?
• What is the Average Cost of Supplemental Insurance for Seniors?

On this page our goal is to help consumers: Compare AARP Medigap plans in North Carolina with the best Medicare supplements available. Read our review. Get a free quote. Did we succeed?

The Medicare Supplement information on this page originates from CMS Data Files, is maintained by David Bynon, and was last updated on March 15, 2022.