The Best North Carolina Medicare Supplement Plans (2022)

If you’re shopping for the best Medicare Supplement plan in North Carolina, you can choose from 10 different plans. However, availability depends on your Medicare eligibility date. The best Medicare Supplement or Medigap plans in North Carolina are with Blue Cross Blue Shield of North Carolina and Cigna.

Note that you can’t purchase a Medigap and Medicare Advantage plan at the same time since Medicare Advantage plans in North Carolina and everywhere else replace your entire Medicare plan, including Original Medicare.

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Last Updated: 6/23/2022
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Medicare Supplement plans in North Carolina cost around $108 per month for 65-year-olds and roughly $160 per month for 75-year-olds.

Those eligible for Medicare tend to purchase Plan F or Plan G for their comprehensive coverage. Plan F has a monthly average cost of $198.32, and Plan G is around $101.30. However, Plan F is only available to individuals that were eligible for Medicare before 2020.

Plan N is the next most popular Medigap plan. It offers similar coverage to Plan F and G but doesn’t include the excess Part B charge. Its average cost is $97.10 per month at age 65 and $136.44 at age 75.

To rank the best companies for these three plans, MoneyGeek analyzed average premiums and benefits collected in our methodology. To get additional information about the different types of plans and coverages, check out our guide on finding the best Medicare Supplement plan.

iconribbonBestMedigapNorth Carolina2022

Best Medicare Supplement Plans in North Carolina

Best Medicare Supplement Plan G in North Carolina

The best Medigap Plan G in North Carolina is with Blue Cross Blue Shield of North Carolina at $107.50 per month on average. This provider also has a high-deductible plan with an average monthly premium of $41.

Note that MoneyGeek’s rankings only include companies that provide online quotes. There may be other Medicare Supplement plan providers in North Carolina that don’t have online estimates but offer better rates for your needs.

mglogo
MoneyGeek Top Pick
Blue Cross and Blue Shield of NC
  • MoneyGeek Score: 90 out of 100
  • Average Monthly Rate: $107.50

In North Carolina, Medigap Plan G from Blue Cross Blue Shield of North Carolina costs approximately $107.50 per month, about $12.40 cheaper per month than the $119.90 average monthly cost of Plan G in the state.

With this plan, you can take advantage of benefits like a fitness membership and foreign travel emergency care. It also includes Blue-to-Blue, which lets you switch Medicare plans without additional medical exams and health questions.

You can also go for Blue Cross Blue Shield of North Carolina’s high-deductible plan. You have to pay for Medicare-covered costs, such as coinsurance and copayments, up to a deductible of $2,490 per year, but you have a lower monthly premium of around $41.

MORE ABOUT PLAN G IN NORTH CAROLINA

Navigate to learn more about Medigap Plan G in North Carolina, including how much it costs on average, what providers are available and what it covers.

The Cost of Medicare Supplement Plan G in North Carolina

Medicare Supplement Plan G in North Carolina has a monthly average cost of $119.90.

The most affordable Plan G in North Carolina for 65-year-olds is from Blue Cross Blue Shield of North Carolina, averaging $74.30 per month. That is around $45.50 cheaper than the most expensive Plan G in the state from Cigna at $119.80 per month on average.

Remember, your actual premium may change based on how old you are, discounts and medical underwriting factors.

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65

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  • Company
    Sample Monthly Rate
  • Blue Cross Blue Shield of North Carolina
    $74
  • UnitedHealthcare
    $113
  • Cigna
    $120

Providers Offering Plan G in North Carolina

Forty-four companies offer Medigap Plan G in North Carolina, but not all of them provide online estimates.

MoneyGeek collected contact information for all Medicare Supplement plan providers in North Carolina to help you find one that best suits your needs. We also laid down their pricing methods to show you which may charge more depending on your age.

Providers Offering Plan G in North Carolina

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  • Company
    Contact Number
    Pricing Style
  • Aetna
    800-358-8749
    Attained Age
  • Liberty Bankers
    1-833-504-0331
    Attained Age
  • AFSLIC
    1-866-951-0686
    Attained Age
  • Assured Life
    877-223-3666
    Attained Age
  • Atlantic Coast Life
    1-844-442-3847
    Attained Age
  • Bankers Fidelity
    1-866-458-7504
    Attained Age
  • Blue Cross Blue Shield of North Carolina
    1-800-478-0583
    Attained Age
  • Cigna
    1-855-891-9368
    Attained Age

What Does Plan G Cover?

Every Medigap plan is standardized and must have certain benefits. However, Plan G doesn’t cover the Part B deductible and only covers 80% of foreign travel exchange up to your plan limits.

In addition to the standard coverage, some providers include additional benefits in their plans, such as Blue Cross Blue Shield of North Carolina’s Blue-to-Blue.

Required Benefits of Plan G in North Carolina
  • Medigap Benefit
    Does Plan G Cover?
  • Part A co-insurance and hospital costs up to an additional 365 days after Medicare benefits are used up
    Yes
  • Part B co-insurance or copayment
    Yes
  • Blood (first 3 pints)
    Yes
  • Part A hospice care co-insurance or copayment
    Yes
  • Skilled nursing facility care co-insurance
    Yes
  • Part A deductible
    Yes
  • Part B deductible
    No
  • Part B excess charge
    Yes
  • Foreign travel exchange (up to plan limits)
    80%

Best Medicare Supplement Plan F in North Carolina

In North Carolina, Cigna offers the best Medigap Plan F, with an average monthly premium of $170.28.

It’s important to note that MoneyGeek’s ranking only includes companies that give online quotes. Other providers that offer quotes via other methods may have more competitive rates.

mglogo
MoneyGeek Top Pick
Cigna Medicare
  • MoneyGeek Score: 90 out of 100
  • Average Monthly Rate: $170.28

Plan F from Cigna, averaging $170.28 monthly, is about $28.02 cheaper than the $198.30 average monthly premium of Plan F in North Carolina.

It offers benefits such as a 24/7 health information line and the Healthy Rewards program, which gives you discounts on health and wellness programs and services.

MORE ABOUT PLAN F IN NORTH CAROLINA

Navigate to learn more about Medigap Plan F in North Carolina, including its average cost, what providers are available and what it covers.

The Cost of Medicare Supplement Plan F in North Carolina

North Carolina Medicare recipients pay an average of $198.30 monthly for Medigap Plan F.

The cheapest Plan F in North Carolina for 75-year-olds is from Cigna at an average cost of $170.30 per month. Meanwhile, the priciest plan is offered by UnitedHealthcare at roughly $212.30 per month. That’s a difference of around $42 per month.

Take note: actual rates can change based on how old you are when you buy, your current age, discounts and medical underwriting factors.

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75

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  • Company
    Sample Monthly Rate
  • Cigna
    $170
  • UnitedHealthcare
    $212

Providers Offering Plan F in North Carolina

In North Carolina, there are 43 companies offering Medicare Supplement Plan F. However, not all of them have online quotes available.

To help you find a North Carolina company and plan for your specific needs, MoneyGeek collected the Plan F providers’ contact information and their pricing methods to show you which may charge more based on age.

Providers Offering Plan F in North Carolina

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  • Company
    Contact Number
    Pricing Style
  • Aetna
    800-358-8749
    Attained Age
  • Liberty Bankers
    1-833-504-0331
    Attained Age
  • AFSLIC
    1-866-951-0686
    Attained Age
  • Assured Life
    877-223-3666
    Attained Age
  • Atlantic Coast Life
    1-844-442-3847
    Attained Age
  • Bankers Fidelity
    1-866-458-7504
    Attained Age
  • Central States Health and Life Co. of Omaha
    800-826-6587
    Attained Age
  • Cigna
    1-855-891-9368
    Attained Age

What Does Plan F Cover?

Plan F is standardized and features certain benefits, just like all Medicare Supplement plans. But even though it has comprehensive coverage, it only covers 80% of foreign travel exchange within your plan’s limits.

Some providers include additional benefits outside the standard coverage. An example is Cigna’s Healthy Rewards program.

Required Benefits of Plan F in North Carolina
  • Medigap Benefit
    Does Plan F Cover?
  • Part A co-insurance and hospital costs up to an additional year after Medicare benefits are used up
    Yes
  • Part B co-insurance or copayment
    Yes
  • Blood (first 3 pints)
    Yes
  • Part A hospice care co-insurance or copayment
    Yes
  • Skilled nursing facility care co-insurance
    Yes
  • Part A deductible
    Yes
  • Part B deductible
    Yes
  • Part B excess charge
    Yes
  • Foreign travel exchange (up to plan limits)
    80%

Best Medicare Supplement Plan N in North Carolina

Cigna offers the best Medicare Supplement Plan N in North Carolina, costing an average of $85.67 per month.

However, there may be other providers with better rates or benefits that were excluded from MoneyGeek’s ranking because they don’t provide online estimates.

mglogo
MoneyGeek Top Pick
Cigna Medicare
  • MoneyGeek Score: 90 out of 100
  • Average Monthly Rate: $85.67

Averaging $85.67 monthly, Cigna’s Medigap Plan N in North Carolina is around $31.13 more affordable than the $116.80 average cost of Plan N in the state.

Cigna includes additional benefits, such as a Healthy Rewards program and a 24/7 health information line.

MORE ABOUT PLAN N IN NORTH CAROLINA

Navigate to learn more about Medigap Plan N in North Carolina, including how much it costs on average, its available providers and what it covers.

The Cost of Medicare Supplement Plan N in North Carolina

In North Carolina, the average cost of Medicare Supplement Plan N is $116.80 per month.

For a 65-year-old looking for Plan N in North Carolina, the cheapest provider is Cigna, with an average monthly cost of $85.70. On the flip side, the most expensive company is UnitedHealthcare, with a monthly average premium of $101.10. That shows you can save up to $15.40 every month if you shop around and compare rates.

Remember, rates may change depending on several factors, including your provider, age, discounts and medical underwriting.

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65

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  • Company
    Sample Monthly Rate
  • Cigna
    $86
  • Blue Cross Blue Shield of North Carolina
    $97
  • UnitedHealthcare
    $101

Providers Offering Plan N in North Carolina

Forty-three companies offer Medigap Plan N in North Carolina, but not all of them provide online estimates.

MoneyGeek gathered contact details of all Plan N providers in North Carolina to help you find the best suited for your needs. We also included their pricing style so you can see which charges more depending on age.

Providers Offering Plan N in North Carolina

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  • Company
    Contact Number
    Pricing Style
  • Aetna
    800-358-8749
    Attained Age
  • Liberty Bankers
    1-833-504-0331
    Attained Age
  • AFSLIC
    1-866-951-0686
    Attained Age
  • Assured Life
    877-223-3666
    Attained Age
  • Atlantic Coast Life
    1-844-442-3847
    Attained Age
  • Bankers Fidelity
    1-866-458-7504
    Attained Age
  • Blue Cross Blue Shield of North Carolina
    1-800-478-0583
    Attained Age
  • Central States Health and Life Co. of Omaha
    800-826-6587
    Attained Age

What Does Plan N Cover?

Like other Medigap plans, Plan N follows a standard and includes certain benefits. However, it doesn’t cover the Part B deductible or Part B excess charge. It does cover 80% of foreign travel exchange within your plan’s limits.

Depending on the provider, additional benefits may be included in your plan, such as with Cigna, the health information line.

Required Benefits of Plan N in North Carolina
  • Medigap Benefit
    Does Plan N Cover?
  • Part A co-insurance and hospital costs up to an additional year after Medicare benefits are used up
    Yes
  • Part B co-insurance or copayment
    Yes
  • Blood (first 3 pints)
    Yes
  • Part A hospice care co-insurance or copayment
    Yes
  • Skilled nursing facility care co-insurance
    Yes
  • Part A deductible
    Yes
  • Part B deductible
    No
  • Part B excess charge
    No
  • Foreign travel exchange (up to plan limits)
    80%

Best Medicare Supplement Plans in North Carolina: Other Plan Types

There are other plan types available in North Carolina aside from Plan F, G and N. These include Plan A, B, C, D, K, L and M. However, they are less popular because they don’t provide comprehensive coverage.

Using our criteria for affordability and benefits, MoneyGeek identified the best companies for these plans if they had online quotes available. We determined that UnitedHealthcare for Medicare Supplement Plan A, B, C, D, K and L is the best.

Keep in mind that Plan C won’t be available to you in North Carolina or anywhere else if you became eligible for Medicare after January 1, 2020.

The Best Medicare Supplement in North Carolina - Alternate Plans
  • Plan Type
    Best Plan
    Monthly Cost
  • A

    UnitedHealthcare

    $106.59

  • B

    UnitedHealthcare

    $141.21

  • C

    UnitedHealthcare

    $194.81

  • D

    UnitedHealthcare

    $138.55

  • F

    Cigna

    $170.28

  • G

    Blue Cross Blue Shield of North Carolina

    $107.50

  • K

    UnitedHealthcare

    $59.47

  • L

    UnitedHealthcare

    $94.39

  • N

    Cigna

    $85.67

How to Find the Best Medicare Supplement Plans in North Carolina

Medicare Supplement in North Carolina is a complicated subject, so finding the right plan might be challenging. MoneyGeek created a chart for all plan types using our gathered pricing data and analysis to help you compare Medicare Supplement plans in North Carolina.

North Carolina Medicare Supplement Plans Comparison Chart

Coverage and availability can vary among Medigap plan types. For example, Plan F and C are the most comprehensive, but new enrollees cannot purchase them. They were replaced by Plan G and D.

Use our chart below to compare Medicare Supplement plan coverages and average rates in North Carolina.

Medicare Supplement Comparison Chart
Coverage
A
B
C
D
F
G
K
L
M
N

Part A co-insurance and hospital costs up to an additional 365 days after Medicare benefits are used up

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Part B co-insurance 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 co-insurance or copayment

Yes

Yes

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Skilled nursing facility care co-insurance

No

No

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Part A deductible

No

Yes

Yes

Yes

Yes

Yes

50%

75%

50%

Yes

Part B deductible

No

No

Yes

No

Yes

No

No

No

No

No

Part B excess charge

No

No

No

No

Yes

Yes

No

No

No

No

Foreign travel exchange (up to plan limits)

No

No

80%

80%

80%

80%

No

No

80%

80%

The Cost of Medicare Supplement Plans in North Carolina

How much you pay for a Medicare Supplement plan in North Carolina depends on your chosen plan type and provider. Cigna offers the lowest monthly premium for Plan F and N, while Blue Cross Blue Shield of North Carolina is the cheapest option for Plan G.

UnitedHealthcare has the cheapest rates for most other letter plans (A, B, C, D, K and L) in North Carolina.

Medigap plans are typically priced using one of the following styles:

  • Attained-Age: It bases your premium on your current age, resulting in higher rates as you get older.
  • Issue-Age: This method bases your premium on how old you are when you buy your plan.
  • Community-Rated: With this method, you pay the same monthly premium as everyone else, regardless of age. Providers in North Carolina don’t use this pricing style for Plan M.
Average Cost of Medicare Supplement in North Carolina

Sort by Plan Letter:

65

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  • Company
    Sample Monthly Rate
  • UnitedHealthcare
    $110
  • Cigna
    $117
  • Blue Cross Blue Shield of North Carolina
    $120

FAQs About Medicare Supplement Plans in North Carolina

To better understand Medicare Supplement plans in North Carolina, MoneyGeek answered some frequently asked questions about the subject.

Methodology

MoneyGeek collected data from the biggest Medicare Supplement/Medigap providers in North Carolina for 65-year-olds and 75-year-olds. Plans were only rated as one of the best if we could obtain an accurate quote from the provider online.

MoneyGeek’s scoring system weighted affordability 75% and benefits 25%. A Medigap provider received 5% for every benefit, up to a maximum of 25%.

About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.


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