Updated: July 9, 2026
Advertising & Editorial Disclosure
MedMutual leads North Carolina on Plans F, G and N because no other insurer we reviewed holds price leadership across three plan types simultaneously. At $125 per month for Plan G, it saves $73 monthly versus the state average.
No single insurer leads across all plan types, which is why our analysis splits the field by plan. Old Surety's issue-age pricing locks your Plan A rate at enrollment rather than increasing it with each birthday.
The pricing model you choose matters as much as the monthly rate. A community-rated plan like AARP's starts higher but holds steady as you age. Attained-age plans look cheaper at 65, and they are for a few years. After that, annual increases push the cumulative cost past what a stable community rate would have cost.
In our analysis, Plan G earned the state's most popular plan type and MedMutual's $125 monthly rate was the lowest.
Federal rules standardize every plan type, so a Plan G from MedMutual and a Plan G from AARP pay identical claims. The difference between Medicare Supplement insurance costs for Plan G alone ranges from $125 to $261 per month. And that $136 spread buys no additional coverage.
Plan A | $108 | $67 | F, G | |
Plan B | $192 | $32 | A, F, G, N | |
Plan C and Plan M | C: $153 / M: $81 | C: $130 / M: $36 | A, F, G, N | |
Plan D | $157 | $90 | A, C, F, G, N | |
Plan F, Plan G and Plan N | F: $148 / G: $125 / N: $94 | F: $112 / G: $73 / N: $72 | A, D | |
Plan K | $80 | $5 | A, B, C, D, F, G, L, N | |
Plan L | $123 | $20 | A, B, C, D, F, G, K, M, N |
*These rates reflect Medigap premiums for 65-year-olds.
Old Surety wins Plan A, but the reason isn't the $108 rate. Issue-age pricing fixes your premium at enrollment. A buyer who holds that plan for 15 years pays less cumulatively than someone who started with a cheaper attained-age carrier.
AARP's Plan G starts at $261 per month, $136 more than MedMutual. At 65, that looks like a clear loss. But community-rated pricing doesn't increase with age and for buyers planning a long enrollment window. AARP's Plan K premium is only $5 below the state average, the smallest savings margin of any carrier in this analysis.
For most North Carolina enrollees choosing Plan G, the analysis starts and ends with MedMutual at $125 per month. The only reason to look elsewhere is if you need a plan type MedMutual doesn't offer or if a 15-year or longer enrollment makes an issue-age or community-rated carrier worth the higher starting cost.
Plan G is the most popular North Carolina Medigap plan, at $198 per month on average, it covers Medicare Part A and Part B coinsurance and copayments, though enrollees still pay the annual Part B deductible out of pocket. Plan C offers broader coverage at $283 monthly, but it's closed to anyone who became Medicare-eligible after January 1, 2020.
Plan K at $85 and Plan L at $143 are the lowest monthly options. If you use health care regularly, that structure costs more annually than a Plan G at its higher premium. Plan N at $166 sits between full coverage and cost-sharing.
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 |
Use the filters below to compare by plan type, age and deductible preference. Plan G alone ranges from $125 to $261 per month across carriers in our review, so filtering by your specific plan type is the fastest way to find who leads.
| 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 |
Get your real quotes from trusted insurance providers.
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The three criteria below come from patterns we see most often in North Carolina Medigap decisions. The first one, pricing model, is what buyers most frequently overlook when comparing monthly rates. In our review of 48 North Carolina carriers, two buyers who pick identical Plan G coverage can pay $136 more per month just from choosing carriers with different pricing models.
If you're 65 and plan to hold the same plan for 10 or more years, attained-age pricing will cost you more over that window than issue-age or community-rated options. Run a 10-year premium comparison, not just today's monthly rate. Attained-age, issue-age and community-rated carriers produce different cost curves over time.
Review NAIC complaint data for any carrier you're considering. In our review, MedMutual, Old Surety and AARP all carry complaint indexes below the national median. New Era has no publicly available complaint record, which is itself a consideration.
If you see specialists regularly or manage ongoing prescriptions, a plan with lower cost-sharing saves more money annually than one with a cheaper premium once you reach your deductible. If you rarely need care beyond annual checkups, Plan K or Plan N keeps monthly costs low without unnecessary overhead.
North Carolina residents on Medicare can access several free resources for help and guidance.
Learn More: What Does Medicare Cover and Not Cover?
Find answers to common questions about Medicare Supplement insurance for North Carolina residents.
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 cover Part B excess charges, skilled nursing facility coinsurance and foreign travel emergencies. However, Medigap excludes prescription drugs, dental, vision and long-term care services.
Medicare Supplement plans are the right choice for seniors who need predictable costs and access to any Medicare-accepting doctor nationwide. They suit people with chronic conditions, ongoing prescriptions or limited savings, since a fixed monthly premium is easier to budget than variable out-of-pocket bills.
Healthy people with strong finances often find Original Medicare's lower premiums more cost-effective, especially if they rarely need specialist care.
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 insurers can deny your application based on health history.
You can switch from Medicare Advantage to Medigap in North Carolina, but insurers review your health and can deny coverage or charge higher premiums based on medical history. The best time is during your Medigap Open Enrollment Period when you turn 65, when guaranteed-issue rights apply.
Outside this period, guaranteed-issue rights apply only in qualifying situations such as losing employer coverage or moving out of your plan's service area.
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:
About Mark Fitzpatrick
Mark Fitzpatrick, a licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he produces original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
He covers economics and insurance at MoneyGeek, and his work has been featured in The Washington Post, The New York Times and NPR, among other outlets.
Like all MoneyGeek analysts, he draws on independent cost and consumer experience data. No insurance company partnership influences his recommendations.
Mark holds a B.A. from Boston College and an M.A. in Economics and International Relations from Johns Hopkins University. He started his career in financial risk management at State Street and is also a five-time “Jeopardy!” champion.
