Compare the Best Medigap Plans in North Carolina for 2025
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If you’re a North Carolina resident with Original Medicare, boosting your Part A and B coverage is easy with one of the best Medigap plans in North Carolina. With ten plan options available to help minimize your out-of-pocket costs, selecting the right plan for your healthcare and budget needs is simpler than ever.
On this page, you'll find the leading North Carolina Medicare Supplement and insurance companies for 2025.
Discover the Top 3 Best Medigap Plans in North Carolina for Complete Protection
For Medicare enrollees in North Carolina, Medigap Plans F, G, and N consistently rank among the top choices. These Medicare Supplement plans are designed to offer different levels of coverage to help minimize out-of-pocket medical expenses. If you need the most comprehensive coverage, Plan F could be the right choice, while Plan G balances coverage and cost. Looking for a more budget-friendly option? Consider Plan N vs. Plan G.
Below, you’ll discover what makes them the most popular plans, along with key benefits and top providers in North Carolina.
Medigap Plan F in North Carolina
Medigap Plan F provides the most extensive coverage available, covering both Medicare Part A and Part B deductibles. This is the best Medicare Supplement plan for those who want the highest level of protection from out-of-pocket costs. Discover how Plan F compares to Plan G and learn about the High-Deductible Plan F option.
Required Benefits of Plan F in North Carolina
Medigap Plan G in North Carolina
Medicare Supplement Plan G is one of the most popular coverage options available, offering nearly all the coverage of Plan F but at a more affordable price. With the only exception being the Medicare Part B deductible, Plan G provides strong protection at lower costs. Explore why Plan G might be the right choice for you.
Required Benefits of Plan G in North Carolina
Medigap Plan N in North Carolina
For those seeking a more affordable option, Plan N delivers strong coverage with lower monthly premiums. Though it does require small copayments for certain visits, it remains a popular choice for those looking to balance coverage and costs, but it does not cover excess charges. Explore the key facts about Plan N.
Required Benefits of Plan N in North Carolina
Average Costs for Medigap Plans in North Carolina
Plan costs in North Carolina are influenced by a variety of factors, including your plan selection, age, gender, and whether you smoke. Below are the average monthly premiums for some of the top supplemental plans available in North Carolina:
- Plan G: $150 - $200 per month
- Plan N: $120 - $170 per month
Key Factors Influencing Medigap Costs in North Carolina
The price of Medicare Supplements in North Carolina can vary based on several important factors, including:
- Age: Premiums often rise as you age.
- Gender: Women may find that their premiums are slightly lower than men’s.
- Tobacco Use: Using tobacco typically leads to higher premiums.
- Location: Your location in North Carolina can impact your premium due to regional cost differences.
Want to save on Medigap premiums and out-of-pocket costs? Check out our guide to finding the best value for your Medigap plan.
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Compare All Medicare Supplement Plans in North Carolina
If you want to see how all Medicare Supplement Insurance plans sold in North Carolina stack up, the chart below provides a complete comparison of what Plans A through N cover. Use this chart to get a full picture of your options in North Carolina and choose the plan that best fits your needs.
NOTE: If you did not quality for Medicare on or before January 1, 2020, Plan F and Plan C are not available to you.
How and When to Enroll in Medigap Plans in North Carolina
Medigap enrollment in North Carolina is governed by specific periods that determine when you can sign up for coverage. Your eligibility to enroll and the cost of your plan can depend on the timing of your enrollment. Below, we explain the key enrollment periods:
Medigap Enrollment Periods
- Initial Enrollment Period (IEP): This seven-month period spans from three months before your 65th birthday to three months after. During this window, you can choose any Medigap plan without facing pre-existing condition exclusions. Learn more about the Initial Enrollment Period.
- Open Enrollment Period (OEP): The six-month Medigap open enrollment period begins when you turn 65 and enroll in Medicare Part B. You can sign up for any Medigap plan during this time without medical underwriting. Read more about the Medigap Open Enrollment Period or explore tips for navigating Medigap enrollment.
- Special Enrollment Period (SEP): If you experience certain life events, such as losing other health coverage, you might qualify for a Special Enrollment Period to enroll in a Medigap plan. Learn more about Special Enrollment Periods.
Steps to Enroll in a Medigap Plan
Ready to sign up for Medicare Supplement coverage in North Carolina? Here's how to do it:
- Review Your Options: Compare the available Medigap plans in North Carolina to find the right match for your healthcare needs and budget.
- Check Enrollment Dates: Ensure that you’re in the right enrollment period, whether it’s your Initial Enrollment Period, Open Enrollment Period, or a Special Enrollment Period.
- Apply for Coverage: Reach out to your chosen insurer or broker to apply for your preferred Medigap plan.
- Confirm Your Enrollment: Once approved, confirm your enrollment and make sure you understand your coverage.
For more guidance on enrolling in Medigap, visit our Medigap Enrollment Guide.
Frequently Asked Questions About Medigap in North Carolina
How does Medigap differ from Medicare Advantage?
Medigap supplements Original Medicare by covering out-of-pocket costs, while Medicare Advantage plans are an alternative way to receive Medicare benefits through private insurance.
Can I change Medigap plans after enrolling?
Yes, but you may need to go through medical underwriting unless you qualify for guaranteed issue rights or special circumstances. Learn more about changing Medigap plans.
Do Medigap plans cover prescriptions?
No, Medigap plans don’t include prescription drug plans. You’ll need a separate Medicare Part D plan for that coverage.
What costs can I expect with Medigap plans?
In addition to the premium, you may encounter other costs like deductibles, copayments, and coinsurance, depending on your chosen plan.
Citations & References
- Costs of Medigap policies, Medicare.gov, Last Accessed October 4, 2023
- What's Medicare Supplement Insurance (Medigap)?, Medicare.gov, Last Accessed October 4, 2023
- Find a Medigap policy that works for you, Medicare.gov, Last Accessed October 4, 2023
- How to compare Medigap policies, Medicare.gov, Last Accessed October 4, 2023
- How Original Medicare works, Medicare.gov, Last Accessed October 4, 2023
- Your Medicare coverage choices, Medicare.gov, Last Accessed October 4, 2023