Updated: October 11, 2026
Advertising & Editorial Disclosure
MedMutual has the lowest North Carolina rates for Plans F, G and N in our analysis, the only insurer cheapest on three plan types. At $125 per month for Plan G, it's $73 below the $198 state average.
Old Surety has the lowest Plan A rate at $108 a month and uses issue-age pricing, so your rate is based on your age at enrollment. Birthdays don't raise it, though company-wide rate increases still can.
Your pricing model decides how your premium changes over time. Attained-age pricing raises it as you get older. Community-rated pricing charges the same rate at every age. AARP's community-rated Plan G costs $261 at 65, $136 more than MedMutual's $125, and won't rise with age. Company-wide rate increases can still raise premiums under either model.
In our analysis, MedMutual's $125 monthly Plan G rate is the lowest in North Carolina, $73 below the $198 state average.
Federal rules standardize every Medicare Supplement (Medigap) plan type, so a Plan G from MedMutual and a Plan G from AARP pay identical benefits. Medicare Supplement insurance costs for Plan G alone are $125 a month with MedMutual and $261 with AARP, and that $136 difference 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 with a $108 monthly rate, the lowest Plan A rate in our analysis. Its issue-age pricing bases your premium on your age at enrollment, so getting older doesn't raise it.
AARP's Plan G costs $261 a month, $136 more than MedMutual's, and AARP's community-rated rate doesn't increase with age.
For 65-year-olds choosing Plan G, MedMutual has the lowest rate at $125 per month. It uses attained-age pricing, so that rate rises as you age. Old Surety's issue-age Plan G costs $17 more, at $142.
Medigap Plan G averages $198 per month in North Carolina. It covers Part A and Part B coinsurance and copayments, and you pay the Part B deductible.
Plans K and M cost the least because you pay part of what Plan G covers. Plan K pays half of your Part B coinsurance until you reach a yearly out-of-pocket limit. Plan M pays half the Part A deductible and no Part B excess charges, the extra some doctors bill above Medicare's approved amount.
Plan N covers what Plan G does except excess charges, with copays of up to $20 for some office visits and $50 for ER visits that don't end in admission. Plans C and F are closed to anyone first eligible for Medicare on or after January 1, 2020.
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 costs $125 a month with MedMutual and $261 with AARP, so filter by your plan type to see which insurer charges the least for it.
| 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.
Plan G Rate at 65
Plan Types
Plan G Rate at 65
Plan Types
Plan G Rate at 65
Plan Types
Plan G Rate at 65
Plan Types
Plan G Rate at 65
Plan Types
Plan G Rate at 65
Plan Types
Plan G Rate at 65
Plan Types
Choose by pricing model, complaint history and how often you use care.
Attained-age premiums rise as you get older, issue-age premiums are set by your age at enrollment and community-rated premiums are the same at every age. Compare each insurer's recent rate increases along with today's monthly rate.
Review NAIC (National Association of Insurance Commissioners) complaint data for each carrier. A complaint index below 1.0, the national baseline, means fewer complaints than expected for the insurer's size.
If you see specialists regularly, check what you'd pay per visit. Plans K and N average $85 and $166 a month, below Plan G's $198, but you pay half your Part B coinsurance under Plan K until its yearly out-of-pocket limit and copays of up to $20 for some office visits under Plan N.
North Carolina residents on Medicare can use three free resources for help and guidance.
Find answers to common questions about Medicare Supplement insurance for North Carolina residents.
Medigap pays some or all of the Part A and Part B coinsurance, copayments and first three pints of blood that Original Medicare leaves to you. Depending on the plan, it also covers the Part A deductible, Part B excess charges, skilled nursing facility coinsurance and foreign travel emergencies. Only Plans C and F cover the Part B deductible. 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 want to see any doctor in the U.S. who accepts Medicare. Medicare SELECT policies are the exception and require network hospitals for full benefits.
Medigap plans suit people with chronic conditions or limited savings, since a fixed monthly premium is easier to budget than variable out-of-pocket bills.
Healthy people with strong finances who skip Medigap avoid the premium, but Original Medicare alone has no yearly limit on out-of-pocket costs.
You can buy a Medigap plan anytime, and the best time is your six-month Medigap Open Enrollment Period. It starts the first month you're 65 or older and enrolled in Part B. During this window, insurers must sell you any plan they offer in North Carolina at the same price as someone in good health.
Even during the window, insurers can delay coverage of a pre-existing condition for up to six months. Outside the window, insurers can use medical underwriting to deny your application or charge more based on your health history, unless a guaranteed-issue situation, such as losing employer coverage, applies.
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 insurers can't use your health to deny you or charge more.
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. If you joined Medicare Advantage when you first became eligible at 65, you can also switch to any Medigap plan available to you in North Carolina without underwriting during your first 12 months in the plan.
MoneyGeek collected rates for every Medicare Supplement plan sold 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 on three categories and combined them into a weighted score out of 5.
Subscores are rounded to one decimal, so an overall rating calculated from them can differ by 0.1.
Mark Fitzpatrick is a licensed Property and Casualty (P&C) Insurance Producer and MoneyGeek's resident expert in insurance and economics. In nearly a decade covering the insurance market at LendingTree and MoneyGeek, he's analyzed hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
His work has appeared in The Washington Post, The New York Times and NPR. He draws on independent cost and consumer experience data, and no insurance company partnerships affect his recommendations.
Mark studied at Boston College and later earned a master's in economics and international relations from Johns Hopkins University. He worked in financial risk management at State Street before joining MoneyGeek. He's also a five-time “Jeopardy!” champion.
