North Carolina Medigap Plans Medicare Supplement Insurance

North Carolina has Standardized Medigap Policies

North Carolina Medigap insurance carriers are required to adhere to state and federal laws that are designed to protect consumers. Medigap plans must be clearly identified as Medicare Supplement Insurance. Each standardized plan is identified by letters A through N and must offer the same identical benefits as all other plans with the same letter. The only variance is the monthly premium.

Each Medigap policy sold in North Carolina offers the basic benefits of Plan A. All other lettered plans after A feature additional levels of coverage. This allows you to choose the amount of liability coverage you need.

Each insurance company decides which policies it wants to sell, although state laws might affect which ones they offer. Insurance companies that sell Medigap policies:

• Are not required to offer every Medigap plan
• Must offer Medigap Plan A (basic benefits)
• Must also offer Plan C or Plan F

For more information, visit your state's Department of Insurance website at http://www.ncdoi.com/.

Add Medicare Part D for Prescription Coverage

Medigap does not cover your prescriptions. By law, Medicare Supplement insurance must be in lock-step with Original Medicare. So, if Medicare does not cover it, a supplement policy can't cover it.

Here's the complete list of Medicare Prescription Drug Plans available in North Carolina.