Best Medicare Supplement Plans in North Carolina (2026)

MedMutual offers some of the most affordable Medicare Supplement plans available in North Carolina, with competitive pricing on Plans F, G, and N. Backed by Medical Mutual of Ohio, the company brings long-standing experience in health coverage and a strong focus on member support.

Plan N is priced at $94 per month, which is $72 lower than the state average. Plan G costs $125 per month, saving beneficiaries $73, while Plan F comes in at $148 per month, offering $112 in monthly savings. These rates make MedMutual a solid option for seniors looking to manage costs while keeping broad coverage.

The company uses attained-age pricing, meaning premiums increase over time as policyholders age. MedMutual also offers wide provider access and places a strong emphasis on preventive care. An A (Excellent) rating from AM Best reflects the company’s financial strength and ability to support long-term coverage.

Old Surety appeals to North Carolina seniors who want straightforward Medicare Supplement coverage at a low entry cost. Its Plan A premium of $108 per month is $67 below competing options in the state, making it a practical choice for those focused on basic supplemental benefits.

The company offers a smaller lineup that includes Plans A, F, and G, with monthly premiums for new policyholders ranging from $108 to $304. Rates are set using issue-age pricing, so your premium is based on how old you are when you enroll rather than adjusting upward each year due to age.

Old Surety keeps its approach simple, prioritizing predictable pricing and long-term stability. An A- (Excellent) rating from AM Best supports its ability to meet ongoing policyholder obligations.

Aetna brings nationwide experience to North Carolina’s Medicare Supplement market, pairing a wide plan selection with dependable financial backing. Seniors looking for mid-level coverage may find value in its Plan B offering, which is priced at $192 per month. That rate comes in $32 below the state average.

The company sells Plans A, B, F, G, and N, with monthly premiums ranging from $51 to $281 depending on the plan and enrollment details. This range gives beneficiaries flexibility to choose coverage that fits both medical needs and budget preferences.

Aetna also includes access to wellness programs and discounts tied to health-related services. Premiums follow an attained-age pricing structure, meaning costs rise as policyholders grow older. An A (Excellent) rating from AM Best supports Aetna’s ability to meet long-term obligations.

New Era appeals to North Carolina seniors who want access to less common Medicare Supplement plans at lower price points. The company offers Plan C at $153 per month and Plan M at $81 per month, which undercuts state averages by $130 and $36, respectively.

Its lineup includes six plan types: A, C, F, G, M, and N. Monthly premiums for new enrollees range from $34 to $245, depending on the plan selected. Pricing follows an attained-age structure, meaning rates increase as policyholders grow older.

New Era keeps its focus on plan variety rather than a broad national footprint. While detailed AM Best ratings are not publicly listed, the company maintains a record of stable operations and consistent coverage offerings.

State Farm offers a broad Medicare Supplement lineup in North Carolina, with monthly premiums ranging from $121 to $307 depending on the plan. Its Plan D rate of $157 per month is $90 lower than the state average, making it a competitive option for seniors looking beyond the most common plans.

Available coverage includes Plans A, C, D, F, G and N. This mix gives beneficiaries access to both comprehensive coverage and lower-cost alternatives. Pricing follows an attained-age model, so rates rise as policyholders get older.

State Farm’s large agent network provides in-person guidance and local support, which may appeal to seniors who prefer one-on-one assistance. An A++ (Superior) rating from AM Best reflects the company’s financial strength and long-term reliability.

AARP offers one of the widest Medicare Supplement lineups available in North Carolina, supported by UnitedHealthcare’s financial backing. For cost-sharing coverage, its Plan K rate of $80 per month is the lowest in the state, coming in $5 below competing options.

The organization makes nine plan types available to residents, including A, B, C, D, F, G, K, L, and N. Monthly premiums range from $80 to $469 depending on the plan selected. Pricing follows a community-rated structure, which means rates are the same for all members in the same area regardless of age.

Beyond coverage options, members also have access to wellness programs and health-related discounts tied to AARP membership. UnitedHealthcare underwrites AARP Medicare Supplement plans and holds an A rating from AM Best, supporting long-term financial reliability.

Transamerica brings national brand recognition and over a century of insurance experience to North Carolina's Medicare Supplement market, offering all 10 standardized plan types from A through N. The company holds the best rate for Plan L at just $123 monthly, saving North Carolina seniors $20 compared to the state average. 

With premiums ranging from $83 to $403 across its complete plan lineup, Transamerica provides options for different budgets and coverage needs.

Transamerica uses Attained Age Pricing, meaning your premiums increase as you get older to reflect rising health care costs over time. 

The company's biggest advantage is its comprehensive coverage that includes additional benefits like vision and dental care beyond standard Medicare Supplement coverage. With an AM Best rating of A, Transamerica shows strong financial stability, though some customers have noted that plan options can be limited in certain regions including North Carolina.