Best Medicare Supplement Plans In North Carolina 2025

In North Carolina, more than 500,000 residents carry a Medicare Supplement (Medigap) policy, supplementing the roughly 2.2 million people enrolled in Medicare. Medigap is private insurance you buy to fill the “gaps” in Original Medicare (Parts A and B),  like deductibles, copays, and coinsurance.

Best Medicare Supplement Plans In North Carolina

North Carolina offers a wide range of Medicare Supplement options, but a few insurers consistently stand out for their financial strength, customer satisfaction, and overall value. Listed below are five top-rated providers trusted by Medicare beneficiaries across the state:

• Blue Cross and Blue Shield of North Carolina – Known for affordable Plan G premiums and a strong statewide presence.
• AARP/UnitedHealthcare – High member satisfaction, broad plan availability, and reliable customer service.
• Mutual of Omaha – Excellent reputation for customer care and competitive rates across most plans.
• State Farm – Financially strong company with a solid track record for claims and service reliability.
• Cigna – Offers affordable pricing, multiple plan options, and good policyholder support.

All Medigap Providers In North Carolina:

Below is a list of insurance companies authorized to sell Medicare Supplement plans in North Carolina. These carriers vary in premiums, discounts, and service areas:

• AARP Medicare Supplement Plans, insured by UnitedHealthcare
• Accendo Insurance Company (a CVS company and Aetna affiliate)
• ACE Medicare Supplement (a Chubb Company)
• Aetna Health and Life Insurance Company
• Allstate Insurance Company
• American Benefit Life Insurance Company
• American Family Life Assurance Company (AFLAC)
• American Financial Security Life Insurance Company
• Assured Life Association
• Bankers Fidelity Life Insurance Company
• Blue Cross and Blue Shield of North Carolina
• Cigna National Health Insurance Company
• Elips Life Insurance Company
• Erie Family Life Insurance Company
• Federal Life Insurance Company (Mutual)
• Globe Life & Accident Insurance Company
• GPM Health and Life Insurance Company
• Guarantee Trust Life Insurance Company
• Heartland National Life Insurance Company
• Humana Insurance Company
• Humana Insurance Company (Achieve)
• Liberty Bankers Life Insurance Company
• Life Shield
• Manhattan Life Assurance Company
• Medico Insurance Company
• Medmutual Protect
• Nassau Life Insurance Company
• National Health Insurance Company (Allstate)
• New Era Life Insurance Company
• Old Surety Life Insurance Company
• Omaha Insurance Company
• Pekin Life Insurance Company
• Physicians Mutual Insurance Company
• Prosperity Life Group
• Royal Arcanum
• State Farm Mutual Insurance Company
• The American Home Life Insurance Company
• The Capitol Life Insurance Company
• The Order of United Commercial Travelers of America
• Transamerica Life Insurance Company
• Union Security Insurance Company
• United American Insurance Company
• United Insurance Company of America
• United States Fire Insurance Company (a Crum & Forster company)
• USAA Life Insurance Company
• Washington National Insurance Company
• Wellcare (Centene)
• Woodmenlife

Medicare Supplement Plan Costs In North Carolina

According to data compiled from the Centers for Medicare & Medicaid Services (CMS) and supporting state rate filings, the average monthly premium for a 65-year-old in North Carolina ranges from about $70 to $180, depending on the Medigap plan letter and insurance carrier. Costs can also vary based on zip code, gender, tobacco use, and whether household discounts apply.

Rates shown above are averages for a 65-year-old North Carolina resident.

*Plan F is only available to people who became eligible for Medicare before January 1, 2020.

Most Popular Medicare Supplement Plans In North Carolina

When it comes to Medicare Supplement enrollment in North Carolina, a few plan types clearly lead the pack. These preferences reflect what beneficiaries value most: comprehensive coverage, predictable out-of-pocket costs, and overall affordability.

Top 3 Most Popular Medigap Plan Types In North Carolina:

• Plan G – About 45% of all Medigap enrollees in the state. Known for broad coverage and value since Plan F became unavailable to new Medicare enrollees after 2020.
• Plan F – Roughly 42% of beneficiaries still maintain this plan, which offers the most comprehensive coverage but is closed to newly eligible enrollees.
• Plan N – Around 7% of enrollees. A growing choice for those seeking lower premiums with modest copays for doctor and ER visits.

How To Find The Right Medicare Supplement Plan In North Carolina

Choosing the right Medicare Supplement plan in North Carolina depends on understanding your health needs, budget, and long-term coverage preferences. Because all Medigap plans with the same letter offer identical benefits across insurers, the biggest differences come down to price, company reputation, and service quality.

Here are some key points North Carolina residents should keep in mind when selecting a Medigap plan:

• Compare multiple insurers. Premiums for the same plan letter can vary widely, even within the same zip code. It pays to get quotes from several providers.
• Consider your medical habits. If you visit doctors frequently, a more comprehensive plan like Plan G or Plan F (if eligible) may be worth the higher monthly cost.
• Review financial stability. Choose a carrier with strong financial ratings (A or better from AM Best) and good customer service reviews.
• Think long term. Medigap premiums generally rise with age. Evaluate the insurer’s rate history to estimate how your costs might increase over time.
• Check for discounts. Many companies offer household or spousal discounts if more than one policyholder resides in the same home.
• Mind enrollment timing. The best time to enroll is during your six-month Medigap Open Enrollment Period, when you can buy any plan without health underwriting.
• Know what’s not included. Medigap doesn’t cover prescription drugs, dental, or vision care. You’ll need a separate Part D plan or other coverage for that.

Eligibility & Enrollment Period For Medigap In North Carolina

To purchase a Medicare Supplement (Medigap) plan in North Carolina, residents must first be enrolled in Medicare Parts A and B. Medigap coverage works alongside Original Medicare, helping pay for out-of-pocket costs such as deductibles, coinsurance, and copayments.

Eligibility Requirements:

• You must be a North Carolina resident and enrolled in both Medicare Part A and Part B.
• You must be 65 or older, or under 65 and eligible for Medicare due to disability or End-Stage Renal Disease (ESRD).
• Those under 65 who qualify for Medicare because of a disability are eligible to buy certain Medigap plans in North Carolina, though premiums may be higher than for those over 65.
• You cannot have both a Medigap policy and a Medicare Advantage plan at the same time. If you’re switching from Medicare Advantage back to Original Medicare, you can apply for a Medigap plan during specific periods.

Medigap Open Enrollment Period:

• Your six-month Medigap Open Enrollment Period begins the first month you are both 65 or older and enrolled in Medicare Part B.
• During this window, you have guaranteed issue rights, meaning insurance companies can’t deny you coverage or charge higher premiums based on your health history.
• After this period ends, applying for Medigap coverage can be more difficult and may require medical underwriting unless you qualify for a special enrollment right.

Special Enrollment & Guaranteed Issue Rights:

Certain situations allow you to buy a Medigap policy outside of the standard enrollment window without being denied or charged more. Examples include:

• Your current Medigap insurer leaves the Medicare program or goes bankrupt.
• You move out of your Medicare Advantage plan’s service area and switch back to Original Medicare.
• You lose employer or union coverage that was secondary to Medicare.

Medicare Resources In North Carolina

North Carolina residents have access to several trusted resources for accurate, unbiased information about Medicare, Medigap (Medicare Supplement Insurance), and related benefits. The following organizations and programs offer official guidance, enrollment support, and educational materials:

• North Carolina Department of Insurance (NCDOI) – Oversees Medicare-related insurance matters within the state. The NCDOI provides detailed consumer guides, publications, and regulatory information to help residents compare Medicare Supplement plans and understand their rights.
• Seniors’ Health Insurance Information Program (SHIIP) – Operated through the NCDOI, SHIIP offers free, unbiased counseling on Medicare, Medigap, Medicare Advantage, and prescription drug plans. Trained counselors are available statewide to assist residents with plan comparisons and enrollment questions.
  Phone: 1-855-408-1212
• Centers for Medicare & Medicaid Services (CMS) – The federal agency that administers Medicare. CMS provides comprehensive information about Medicare coverage, plan types, costs, and regulations for all U.S. states, including North Carolina.
• gov – The official U.S. government website for Medicare. It allows users to compare Medigap, Medicare Advantage, and prescription drug plans, check coverage options, and manage enrollment online.
• Social Security Administration (SSA) – Handles initial Medicare enrollment for Parts A and B, determines eligibility, and manages Social Security benefits that are often connected to Medicare participation.
• North Carolina Department of Insurance Consumer Guides – The NCDOI publishes brochures and fact sheets such as Choosing a Medigap Policy: A Guide to Health Insurance for People with Medicare and Medicare Supplement Insurance: Getting Started. These guides explain plan options, enrollment rules, and how to avoid common mistakes when selecting coverage.

Disclaimer: Insuranceopedia is not connected with or endorsed by the U.S. government or the federal Medicare program.