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North Carolina
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Blue Cross and Blue Shield of North Carolina

Blue Cross and Blue Shield Medicare Supplements Offered in North Carolina

On this page we help consumers learn more about Medicare Supplements sold by Blue Cross and Blue Shield of North Carolina in the state of North Carolina. Call 1-855-728-0510 (TTY 711) for plan assistance.
Blue Cross and Blue Shield of North Carolina Medigap Plans in North Carolina

This page contains editorial content that is not endorsed or approved by Blue Cross and Blue Shield of North Carolina[2]. This is not a solicitation of insurance.


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MedicareWire Rating:
☆☆☆☆☆
A.M. Best Rating:n/a
A.M. Best Outlook:-
S&P Rating:n/a
Established:1966
NAIC Number:54631
Policy Fee:None

Which Supplemental Medicare Plans Does Blue Cross and Blue Shield Offer in North Carolina?

Blue Cross and Blue Shield of North Carolina sells 10 Medicare supplements in North Carolina. Each lettered plan pays Medicare benefits differently (see comparison chart or check out our review). Here they are at a glance:

Plans Offered by Blue Cross and Blue Shield of North Carolina

Plan TypePremium[3]Rating TypeEffective
Medigap Plan AMedicare Supplement Plan A is often confused with Medicare Part A, which is the Medicare coverage that pays for your inpatient hospital care. Medicare Supplement Plan A, which is also known as Medigap Plan A,...$111.75Attained AgeGet a Quote
Medigap Plan BMedigap Plan B, sometimes called Medicare Plan B, is one of 10 standardized Medicare supplements. Each lettered plan (A, B, C, D, F, G, K, L, M, and N) offers a different level of coverage...$127.50Attained AgeGet a Quote
Medigap Plan CMedicare Supplement Plan C, also called Medigap Plan C, is one of the most comprehensive of the 10 standardized supplemental Medicare plans available in most states. In fact, only Medicare Plan F offers more coverage.$153.25Attained AgeGet a Quote
Medigap Plan DMedicare Supplement Plan D is one of the ten standardized Medigap plans, which is also known as Medicare Plan D or Medigap Plan D. It is often confused with Medicare Part D, which is your...$128.50Attained AgeGet a Quote
Medigap Plan FMedicare Supplement Plan F is the most comprehensive Medicare supplement plan available. This plan covers all Original Medicare deductibles, coinsurance, and copayments, leaving you with no out-of-pocket costs on all Medicare-approved services.$153.25Attained AgeGet a Quote
Medigap Plan F (HD)$36.75Attained AgeGet a Quote
Medigap Plan GIf you're turning age 65 this year, Medicare Supplement Plan G is the most comprehensive Medicare supplement you can buy. It's also the most popular. You might be thinking that Medicare Supplement Plan F is...$111.75Attained AgeGet a Quote
Medigap Plan KMedicare Supplement Plan K is one of two unique Medicare supplements with shared-cost coverage and an annual out-of-pocket limit.  This is a plan that works for people looking for help with certain Original Medicare costs...$67.75Attained AgeGet a Quote
Medigap Plan LMedigap Plan L offers less coverage than most Medicare supplements, but it's one of two plans that have shared costs and features an annual cap on your out-of-pocket spending. In this way, it's similar to...$90.50Attained AgeGet a Quote
Medigap Plan NMedicare Supplemental Plan N is one of the ten standardized Medigap plans. Although it is one of the newest plans available, Medicare Plan N is quickly becoming a favorite with Baby Boomers aging into their...$122.25Attained AgeGet a Quote

Attained Age Rated Medigap Plans: With this plan rating type your monthly premium is based on your current age. As you age your premium will increase. As an example, if you enroll in a Medigap policy at age 65 with a premium of $120, it may increase to $138 when you turn 69, and $162 at age 72. Also, Attained Age rated plans may increase with inflation.

Call 1-855-728-0510 (TTY 711) for plan assistance.

If you qualify for Medicare and don't know where to start, MedicareEnrollment.com, an independent HealthCompare insurance broker, has licensed agents who can help you with your Medicare enrollment options.

The following table shows what each Blue Cross and Blue Shield Medigap plan covers:

Medigap Plan Benefits

BenefitsABCDFGF (HD)KLN
Part A DeductibleNoYesYesYesYesYesYes50%75%Yes
Part A CoinsuranceYesYesYesYesYesYesYesYesYesYes
SNF CoinsuranceNoNoYesYesYesYesYes50%75%Yes
Part B DeductibleNoNoYesNoYesNoYesNoNoNo
Part B CoinsuranceYesYesYesYesYesYesYes50%75%Yes
Excess ChargesNoNoNoNoYesYesYesNoNoNo
Foriegn TravelNoNo80%80%80%80%80%NoNo80%
Out-of-Pocket LimitsNoNoNoNoNoNoNo$5,880$2,940No

REVIEW: Blue Cross and Blue Shield Medicare Supplements in North Carolina

Blue Cross and Blue Shield scored 4.0 out of 5.0 based on our scoring method. See the top 10 competition.

Here are the pros and cons from our analysis:

Pros

  • Over 25 years in the 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. business.
  • Offers the 5 most popular plans.
  • No charge for writing the policy.

Cons

  • Uncompetitive Plan F premium.
  • Unknown financial strength (no A.M. Best rating).
  • Does not offer 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. plans.

About This Review

We reviewed Blue Cross and Blue Shield'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 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.  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.

Blue Cross and Blue Shield 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 Blue Cross and Blue Shield stacks up with the competition.

Compare Plan F Base Rates

CarrierPremium[3]FeeReview[4]
Blue Cross and Blue Shield$153.25None
☆☆☆☆☆
SBLI USA Life$114.82$25.00
☆☆☆☆☆
Unified Life$117.28$25.00
☆☆☆☆☆
New Era Life$118.29$20.00
☆☆☆☆☆
Liberty Bankers Life$118.54$25.00
☆☆☆☆☆
Guarantee Trust Life$119.30$25.00
☆☆☆☆☆
Continental Life$120.70$20.00
☆☆☆☆☆
Everest$122.26$25.00
☆☆☆☆☆
MassMutual$122.36None
☆☆☆☆☆
Assured Life$122.50$25.00
☆☆☆☆☆
Thrivent$122.51$25.00
☆☆☆☆☆

Contact Blue Cross and Blue Shield 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:

Sales:800-478-0583
Website:https://www.bluecrossnc.com/shop-plans/find-medicare-plan-thats-right-you
Address:P.O. Box 2291, Durham, NC 27702

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

Blue Cross and Blue Shield of North Carolina 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 Blue Cross and Blue Shield. 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

Blue Cross and Blue Shield of North Carolina 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 Blue Cross and Blue Shield of North Carolina 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 July 12, 2022.

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Licensed sales agent (“advisor”) services are provided by HealthCompare Insurance Services, Inc., MedicareWire’s trusted partner. Online enrollment service provided through MedicareEnrollment.com, a HealthCompare affiliate. Read our full sales agent disclosure.

We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE (TTY users should call 1-877-486-2048) 24 hours a day/7 days a week to get information on all of your options.

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Get a FREE Medigap Rate Analysis... and Save!


We'll save you money with a FREE Medicare Supplement insurance rate analysis!

The only way to know if you are getting the best deal on your Medicare Supplement insurance is to see all rates from all insurance carriers. That's what we'll send you when you fill out the form below. We won't spam you, call you, or sell your information. That's a promise!

Complete this form and we'll email your free report in 1 business day or less.

  • This field is for validation purposes and should be left unchanged.