Best Medicare Supplement Plans in North Carolina (2026)

Key Takeaways

Plans F, G and N from MedMutual offer the lowest Medigap rates among North Carolina's most popular policies, saving beneficiaries $72 to $112 monthly versus state averages.

Old Surety, Aetna, New Era, State Farm, AARP and Transamerica provide the most affordable options for Plans A, B, C, D, K, L and M in the state.

At age 65, North Carolina residents pay $34 to $398 monthly for Medicare Supplement coverage based on which plan type they choose.

Best Cheap Medicare Supplement Companies in North Carolina

North Carolina's most affordable Medicare Supplement insurers for 65-year-olds charge $80 to $192 monthly for quality coverage. A review of pricing across all 10 standardized plan types shows that different insurers offer the best value depending on the plan, rather than one company leading across the board.

MedMutual posts the lowest prices for several widely chosen plans, with Plan G at $125 per month, Plan N at $94 per month and Plan F averaging $148 per month. Other insurers fill out the most affordable options by plan type, including Old Surety for Plan A and Aetna for Plan B.

New Era offers the lowest rates for Plans C and M, State Farm leads on Plan D, and AARP provides the most affordable pricing for Plan K. Transamerica rounds out the list with the lowest-cost option for Plan L. Across these plans, North Carolina seniors save between $5 and $130 per month compared to state averages.


Old Surety	A	$108	$67	Issue Age Pricing
Aetna	B	$192	$32	Attained Age Pricing
New Era	C	$153	$130	Attained Age Pricing
State Farm	D	$157	$90	Attained Age Pricing
MedMutual Protect	F	$148	$112	Attained Age Pricing
MedMutual Protect	G	$125	$73	Attained Age Pricing
AARP	K	$80	$5	Community Pricing
Transamerica	L	$123	$20	Issue Age Pricing
New Era	M	$81	$36	Attained Age Pricing
MedMutual Protect	N	$94	$72	Attained Age Pricing

*These rates reflect Medigap premiums for 65-year-olds.

MedMutual

MoneyGeek Rating

4.2/ 5

4.8/5Affordability

3.9/5Pricing Style

3.2/5Plan Availability

Average Plan G Rate
$125
Plan Types
A, D, F, G, N

pros
- Plan F costs $148 monthly, North Carolina's lowest available rate
- Plan G runs $125 per month and beats competing carriers across the state
- Plan N starts at $94 monthly, the state's most affordable Medigap option
cons
- Plans B, C, K, L and M aren't available
- Premiums increase with age under attained-age pricing
MedMutual offers affordable Medicare Supplement coverage in North Carolina through Plans F, G and N. Medical Mutual of Ohio backs the company and brings decades of health coverage experience plus strong member support.

Plan N costs $94 monthly, $72 below the state average. Plan G runs $125 per month ($73 in savings) and Plan F comes in at $148 monthly, cutting $112 from typical costs. These rates help North Carolina seniors manage expenses without sacrificing comprehensive coverage.

The company uses attained-age pricing; 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

MoneyGeek Rating

4.2/ 5

4.6/5Affordability

3.9/5Pricing Style

3.4/5Plan Availability

Average Plan G Rate
$142
Plan Types
A, F, G

pros
- Plan A costs $108 monthly, North Carolina's lowest rate
- Issue-age rates lock in based on enrollment age, not current age
- Strong AM Best rating demonstrates consistent financial performance
cons
- Doesn't sell Plans B, C, D, K, L, M, or N
- No high-deductible option for Plan G
- Coverage availability is limited outside select states
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 Medicare

MoneyGeek Rating

4.3/ 5

4.9/5Affordability

3.9/5Pricing Style

3.3/5Plan Availability

Average Plan G Rate
$174
Plan Types
A, B, F, G, N

pros
- Plan B starts at $192 per month in North Carolina
- Plans A, B, F, G and N available
- AM Best rates Aetna A (Excellent)
cons
- Attained-age pricing means premiums climb each year
- No Plans K, L or M
Aetna's Plan B costs $192 per month in North Carolina, which is $32 below the state average. Its full lineup runs Plans A, B, F, G and N, with monthly premiums from $51 to $281.

Wellness programs and health-related discounts come with enrollment. Premiums use attained-age pricing, so costs increase as you get older. AM Best rates Aetna A (Excellent) for financial strength.

New Era

MoneyGeek Rating

4.6/ 5

4.8/5Affordability

4.6/5Pricing Style

4.4/5Plan Availability

Average Plan G Rate
$158
Plan Types
A, C, F, G, M, N

pros
- Plan C priced at $153 per month in North Carolina
- Plan M available for $81 per month
- Offers Plan M, which many insurers skip
cons
- Attained-age pricing means premiums climb each year
- No Plans K or L
New Era's Plan C costs $153 per month in North Carolina, which is $130 below the state average. Plan M runs $81 per month, undercutting the average by $36. Six plan types are available: A, C, F, G, M and N, with premiums from $34 to $245 per month.

Attained-age pricing applies, so rates rise as you get older. AM Best ratings are not publicly listed, but New Era has a record of stable operations.

State Farm

MoneyGeek Rating

4.3/ 5

4.9/5Affordability

3.9/5Pricing Style

3.3/5Plan Availability

Average Plan G Rate
$157
Plan Types
A, C, D, F, G, N

pros
- Plan D priced at $157 per month in North Carolina
- Offers Plan D, which fewer insurers include
- AM Best rates State Farm A++ (Superior)
cons
- No Plans K, L or M
- Attained-age pricing means premiums climb each year
- No high-deductible Plan G option
State Farm's Plan D costs $157 per month in North Carolina — $90 below the state average. Plans A, C, D, F, G and N are available, with premiums from $121 to $307 per month.

A large agent network means in-person help is easy to find for seniors who want face-to-face guidance. Attained-age pricing applies, so premiums increase with age. AM Best rates State Farm A++ (Superior).

AARP

MoneyGeek Rating

4.3/ 5

4.7/5Affordability

4.2/5Pricing Style

3.6/5Plan Availability

Average Plan G Rate
$261
Plan Types
A, B, C, D, F, G, K, L, N

pros
- Plan K priced at $80 per month in North Carolina — lowest in the state
- Nine plan types available, including K and L
- UnitedHealthcare underwrites; AM Best rates it A
cons
- Community-rated pricing can start higher than attained-age or issue-age models
- No high-deductible Plan G option
AARP's Plan K costs $80 per month in North Carolina, which is $5 below competing options and the lowest Plan K rate in the state. Nine plan types are available: A, B, C, D, F, G, K, L and N, with premiums from $80 to $469 per month.

Community-rated pricing means everyone in the same area pays the same rate regardless of age. AARP membership includes wellness programs and health-related discounts. UnitedHealthcare underwrites the plans and holds an AM Best rating of A.

Transamerica

MoneyGeek Rating

4.6/ 5

4.8/5Affordability

4.6/5Pricing Style

4.4/5Availability

Average Plan G Rate
$189
Plan Types
A, B, C, D, F, G, K, L, M, N

pros
- All plan types available
- Best Plan L rates in North Carolina ($123 a month)
- Wide range of plan options including cost-sharing plans
cons
- Attained Age Pricing means your premiums increase with age
- No high-deductible Plan G option
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.

Find North Carolina Medicare Supplement Plans That Fit Your Needs

Everyone's health care needs are different, so what works for most people may not fit your situation. Explore the table below to find North Carolina Medicare Supplement companies that match your specific situation.

Data filtered by:


MedMutual Protect	G	No	65	$125	$0	No Data
Atlantic Capital	G	No	65	$132	$0	No Data
Wellcare	G	No	65	$140	$0	No Data
Globe Life	G	No	65	$140	$0	No Data
Old Surety	G	No	65	$142	$0	No Data
LifeShield National	G	No	65	$142	$0	No Data
Nassau	G	No	65	$151	$0	No Data
Blue Cross Blue Shield	G	No	65	$152	$0	No Data
Erie Family	G	No	65	$152	$0	No Data
WoodmenLife	G	No	65	$153	$0	No Data

North Carolina Medicare Supplement Plan Cost

For 65-year-olds in North Carolina, Medicare Supplement insurance costs run from $85 to $283 per month depending on the plan.

Plan K is the lowest-cost option at $85 per month. Plan C is the most expensive at $283. Plan G averages $198 per month and is the most popular choice in the state. Plan N runs $166 per month. Plan M costs $117, Plan L costs $143 and Plan A costs $175 per month.


A	$175	$2100
B	$224	$2688
C	$283	$3396
D	$247	$2964
F	$260	$3120
G	$198	$2376
K	$85	$1020
L	$143	$1716
M	$117	$1404
N	$166	$1992

How to Choose the Best North Carolina Medicare Supplement Plan

Plan G offers identical benefits regardless of which company sells it because Medicare Supplement plans in North Carolina offer federally standardized benefits. Companies compete mainly on price for this identical coverage. Learning what each plan type covers lets you pick the best trade-off between premiums and expenses.

Most Comprehensive Coverage

Plan G: Similar to Plan F, covers everything except Part B deductible.
Plan F: Covers all gaps including Part B deductible and excess charges (closed to new members as of 2020).

Best Value Options

Plan D: Strong coverage without Part B deductible or excess charges.
Plan N: Extensive benefits with minor copays and lower premiums.

Budget-Friendly Choices

Plan L: Comparable to Plan K with 75% cost-sharing and lower out-of-pocket limit of $4,000.
Plan K: Most affordable premiums with 50% cost-sharing and out-of-pocket limit of $8,000.
Plan M: Covers 50% of Part A deductible with reasonable premiums.

Premium Coverage

Plan C: Offers Part B deductible and foreign travel emergency coverage (not available for new enrollees as of 2020).

Learn More: What Does Medicare Cover and Not Cover?

How to Find the Best North Carolina Medicare Supplement Company

After choosing your plan type, you'll want to compare providers in North Carolina. Look for these key factors when evaluating Medicare Supplement companies.

1
Customer Satisfaction and Complaints
Check J.D. Power and NAIC data before enrolling. Both sources track complaint trends and service records, showing how an insurer actually performs once you're a policyholder.
2
Plan Pricing
Two Plan Gs from different insurers can carry very different price tags. Compare costs side by side because small monthly differences compound into real money over a multi-year enrollment.
3
Added Benefits
Fitness discounts and wellness programs are worth factoring in, especially if a plan already costs more than competitors. Check whether those extras actually match how you use coverage before treating them as a tiebreaker.

North Carolina Medicare Resources

North Carolina residents on Medicare can access several free resources for help and guidance.

North Carolina Seniors' Health Insurance Information Program (SHIIP): Free, unbiased Medicare counseling — one-on-one sessions, plan comparisons and fraud prevention. Visit North Carolina Seniors' Health Insurance Information Program (SHIIP).
North Carolina Department of Insurance: Rate comparisons, consumer protection and a hotline for Medicare Supplement questions. Visit North Carolina Department of Insurance.
North Carolina Area Agencies on Aging: Medicare enrollment help and benefits counseling for seniors, people with disabilities and caregivers. Find your local agency.
Medicare.gov: The federal Medicare site. Use the plan finder to compare Supplement, Advantage and Part D plans by ZIP code. Visit Medicare.gov.

Medicare Supplement Plans in North Carolina: FAQ

Find answers to common questions about Medicare Supplement insurance for North Carolina residents.

What does Medigap cover in North Carolina?

Medigap fills the gaps in Original Medicare by covering Part A and Part B deductibles, coinsurance, copayments and the first three pints of blood. Certain plans also handle Part B excess charges, skilled nursing facility coinsurance and foreign travel emergencies. However, Medigap excludes prescription drugs, dental, vision and long-term care services.

Are Medicare Supplement plans worth it?

These plans work well for seniors who want predictable costs and the ability to see any Medicare-accepting doctor nationwide. They're helpful for people with ongoing health care needs, chronic conditions or limited savings to cover unexpected medical bills. That said, healthy individuals with strong finances might prefer Original Medicare's lower premiums.

When can I enroll in Medigap plans in North Carolina?

You can enroll in Medigap plans anytime, but the best time is your six-month initial enrollment window. This period starts when you turn 65 and enroll in Medicare Part B. During this window, insurers must accept you regardless of health conditions. Outside this timeframe, you'll go through medical underwriting and could face coverage denials.

Can I switch from Medicare Advantage to Medigap in North Carolina?

Yes, you can switch from Medicare Advantage to Medigap in North Carolina, but insurers will review your health and may deny coverage or charge higher premiums based on medical conditions. The best time to make this change is during your Medigap Open Enrollment Period when you turn 65, since you have guaranteed coverage rights then. Outside this period, protection from denial only applies in specific qualifying situations.

Our Review Methodology

MoneyGeek collected data for all Medicare plans in North Carolina for 65-year-olds and 75-year-olds using the plan browsing tool at Medicare.gov. The data in this article references quotes pulled for 65-year-olds unless otherwise noted.

We scored Medigap companies in North Carolina based on three main categories to create a weighted score out of 5:

Affordability (50%): Lower monthly costs earn higher scores.
Pricing style (20%): Medigap insurers use three methods to determine premiums: Community Pricing, Issue-Age Pricing and Attained Age Pricing. Pricing styles that remain more stable and fair over time earn higher scores: Community Pricing 1.0, Issue-Age Pricing 0.8, Attained-Age Pricing 0.6. This scaling means a community-rated plan with slightly higher costs can still score higher overall than a cheaper attained-age plan that fluctuates more.
Plan availability (30%): Companies offering more plan types score higher. We weighted popular plans like Plan G, Plan F and Plan N more heavily.

About Mark Fitzpatrick

Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.

Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!

He writes about economics and insurance, breaking down complex topics so people know what they're buying.

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Best Medicare Supplement Plans in North Carolina (2026)

Best Cheap Medicare Supplement Companies in North Carolina

MedMutual

Old Surety

Aetna Medicare

New Era

State Farm

AARP

Transamerica

Find North Carolina Medicare Supplement Plans That Fit Your Needs

North Carolina Medicare Supplement Plan Cost

How to Choose the Best North Carolina Medicare Supplement Plan

How to Find the Best North Carolina Medicare Supplement Company

North Carolina Medicare Resources

Medicare Supplement Plans in North Carolina: FAQ

What does Medigap cover in North Carolina?

Are Medicare Supplement plans worth it?

When can I enroll in Medigap plans in North Carolina?

Can I switch from Medicare Advantage to Medigap in North Carolina?

Our Review Methodology

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