Medicare Supplement Plans in North Carolina
Which North Carolina Medicare Supplement is Best for Me?
When talking about traditional Medicare and additional coverage with Medicare supplement plans, North Carolina seniors agree, its the best coverage you can get. It all comes down to choice and control. But, which plan is best for you?
We're all different, and so are our health needs and budget. What's best for you is very different than what's best for your neighbors, or even your spouse. It all comes down to what you can afford and your health. That said, you can narrow your search to what's most popular, plans: F, G, and N. Read on to learn why.
Related: What is the Average Cost of Supplemental Insurance for Medicare?
Top 10 Medicare Supplement Plans in North Carolina
Looking for the best Plan F, G or N available to North Carolina seniors?
- 10 Best Medicare Supplement Plan F
- 10 Best Medicare Supplement Plan G
- 10 Best Medicare Supplement Plan N
Looking for a different plan? Compare all Medicare supplement plans here. You can also write a Medicare supplement review and let others know about a good or bad experience with a particular carrier.
North Carolina Medicare Supplement Plan F Comparison Chart
Medicare Supplement Plan F is the most popular Medigap plan available in North Carolina. Here are the 10 best Plan F policies available in North Carolina based on our reviews (click for details):
North Carolina Medicare Supplement Plan G Comparison Chart
Medicare Supplement Plan G is rapidly gaining popularity among North Carolina seniors. With Plan F going away in 2020, it is expected to be the new gold standard. Here are the 10 best Medigap Plan G policies available in North Carolina based on our reviews (click for details):
North Carolina Medicare Supplement Plan N Comparison Chart
Medicare Supplement Plan N is similar to Plan D, but covers Medicare Part B coinsurance costs differently. Due to its lower cost and good coverage, it's catching the attention of many North Carolina seniors. Here are the 10 best Medigap Plan N policies available in North Carolina based on our reviews (click for details):
Best North Carolina Medicare Supplement Plans Reviews
We review all major Medicare Supplement insurance carriers servicing Medigap policies in North Carolina. Our reviews are unbiased. We use a balanced formula that looks at years in business, A.M. Best financial strength rating, plans serviced, plan premiums and fees. Our current formula does not take rate increase history into account.
Our review of Medicare Supplement Plans in North Carolina is based on a statewide analysis, not nationwide. We recommend consumers use our 5-star ratings as one aspect of their decision-making process. It helps compare insurance carriers at-a-glance.
How Much do North Carolina Medigap Plans Cost?
We list sample monthly premiums for all Medigap Plans in North Carolina. Premiums reviewed are samples based on a 65-year-old, non-smoking woman and include applicable household discounts. Use our review rates to compare insurance carriers. The rates your health insurance agent quotes will be based on where you live, your age, sex and use of tobacco products. Call 1-855-266-4865 to get quoteCall 1-855-266-4865 to speak with an agent and get a quote.
Medigap Plans in North Carolina are Standardized
All Medicare Supplement insurance carriers in North Carolina are required to follow both federal and state laws designed to protect you. All Medigap plans must be clearly identified as Medicare Supplement Insurance. Insurance companies must offer the standardized Medicare Plans identified by letters A through N.
NOTE: Medigap, Medicare Supplements and Medicare Plans are all names used interchangeably for supplemental insurance that fills the gaps in Original Medicare coverage.
All North Carolina Medicare supplement policies offer the same basic benefits, however, some offer additional gap coverage. This allows you to choose the amount of insurance 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 Medicare supplemental insurance:
- Don't have to offer every Medigap plan
- Must offer Medigap Plan A if they offer any Medigap policy
- Must also offer Plan C or Plan F if they offer any plan
For more information, visit the North Carolina Department of Insurance website at http://www.ncdoi.com/.
North Carolina Medicare Supplement Plan Comparison Chart
The following chart offers a quick look at the benefits provided by each standardized plan.
| Medigap Benefits | A | B | C | D | F* | G | K | L | M | N |
|---|---|---|---|---|---|---|---|---|---|---|
| Medicare Part A Coinsurance and hospital costs up to an additional 365 days after Medicare benefifits are used up | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes |
| Medicare Part B Coinsurance or Copayment | Yes | Yes | Yes | Yes | Yes | Yes | 50% | 75% | Yes | Yes** |
| Blood (First 3 Pints) | Yes | Yes | Yes | Yes | Yes | Yes | 50% | 75% | Yes | Yes |
| Part A Hospice Care Coinsurance or Copayment | Yes | Yes | Yes | Yes | Yes | Yes | 50% | 75% | Yes | Yes |
| Skilled Nursing Facility Care Coinsurance | No | No | Yes | Yes | Yes | Yes | 50% | 75% | Yes | Yes |
| Medicare Part A Deductible | No | Yes | Yes | Yes | Yes | Yes | 50% | 75% | 50% | Yes |
| Medicare Part B Deductible | No | No | Yes | No | Yes | No | No | No | No | No |
| Medicare Part B Excess Charges | No | No | No | No | Yes | Yes | No | No | No | No |
| Foreign Travel Emergency (Up to Plan Limits) | No | No | Yes | Yes | Yes | Yes | No | No | Yes | Yes |
| Out-of-Pocket Limit*** | None | None | None | None | None | None | $5,240 | $2,620 | None | None |
* Medicare Plan F also offers a high-deductible plan. If you choose this option, this means you must pay for Medicare-covered costs up to the deductible amount of $2,240 before your Medigap plan pays anything.
** Medicare Plan N pays 100% of the Part B coinsurance, except for a copayment of up to $20 for some office visits and up to $50 copayment for emergency room visits that don't result in an inpatient admission.
*** After you meet your out-of-pocket yearly limit and your yearly Part B deductible, the Medigap plan pays 100% of covered services for the rest of the calendar year.
You Have Questions About Medicare Supplements And We Have Answers
We get it. Figuring out which North Carolina Medigap plan is right for you is difficult. Here are a few of the most frequent questions we answer.
Medicare Supplement premiums vary per person. Premiums are based on things like age, gender, zip code, and more. We offer a free quote service to help you find the best Medicare Supplement in North Carolina for your needs.
Here are your top choices in North Carolina:
- American National
- Thrivent
- MassMutual
- AARP
- USAA Life
Unlike Medicare Advantage, there isn't an annual open enrollment period for Medicare Supplement plans. But, in many areas, you only have one chance to apply for a North Carolina Medigap plan without having to answer any health questions. You can learn more here.
Still have questions about Medicare Supplement Insurance in North Carolina?
Try one of these topics:
- What are Medicare Supplement Plans?
- Medicare Supplement Plans Comparison Chart
- Best Medicare Supplement Plans
- Best medicare Supplement Plans Reviews
- Are Medicare Supplement Plans Worth it?
- Medicare Supplement Plans for Disabled Under 65
- Can I Change Medicare Supplement Plans Anytime?
- Medicare Supplement vs Advantage Plans
Need Local Help?
The State Health Insurance Assistance Programs (SHIPs) provide free, one-on-one insurance counseling and assistance to Medicare beneficiaries, their families and caregivers. The North Carolina SHIP is a grant-funded project of the federal U.S. Department of Health and Human Services (HHS). You can reach them by phone or on their website:
- 1-855-408-1212
- http://www.ncshiip.com/
Additional Foot Notes
[3] Sample premium is for a 65 year old, non smoking, woman living in North Carolina. The rate was accurate on date of publication. Rates change frequently and they are priced by county. You must contact a licensed agent to get a current rate for your situation.
[4] Review rating stars are derived from MedicareWire reviews on our Medigap Plan pages.
The Medicare Supplement information on this page originates from CMS Data Files, is maintained by David Bynon, and was last updated on .