Best Medicare Supplement Plans in North Carolina

There are ten available Medicare Supplement plans in North Carolina. These plans help pay expenses such as copayments, deductibles, and coinsurance that Original Medicare doesn't cover.

• Of all the Medicare Supplement plan options, Cigna's Medicare Supplement Plan G is the best comprehensive plan for a monthly price of $99.93.
• Cigna offers the best Medicare Supplement Plan N rates at $71.50 a month, for those that want the best monthly value without compromising coverage.
• If you are looking for a more affordable option, Mutual of Omaha's verison of the High Deductible Plan G offers low rates of $41.15 per month. You must meet the annual deductible which amounts to $2,700 before this plan covers costs.

Below is a highlight of the features and benefits of each plan.

What's the Best Medicare Supplement Company in North Carolina?

Based on our review of several key factors, Cigna is the best Medicare Supplement company in North Carolina.

While Cigna Medigap plans tend to be more affordable in North Carolina, it's not the only factor when selecting the best Medicare Supplement company. For example, depending on your plan letter of choice, one provider might offer Plan N at a lower cost but may be pricier for Plan G; every insurer has its own set of advantages and drawbacks depending on their levels of coverage. For this reason, Cigna remains our top selection during the review process due to its affordability, expansive range of plan choices, household premium discounts, and high customer satisfaction rates.

This chart compares different Medicare Supplement companies to Cigna that are also available in North Carolina, including sample premiums, ratings, and market share:

For illustrative purposes only: The premiums listed are for a 65-year-old female, non-smoker from a local zip code. Many insurance companies offer household discounts - eligibility for premium discounts can be determined when enrolling in a plan. The AM Best rating determines the financial rating of each carrier. No warranties or guarantees of any kind have been expressed.

How Much Does a Medigap Plan Cost in North Carolina?

The best price for Medicare Supplement Plan G in North Carolina is $99.93 per month with Cigna.

Your age and plan choice will have the most significant impact on your premium.

Here you can see how the prices compare for several different plans:

When Can I Apply for a Medicare Supplement Plan?

The best time to buy a Medicare Supplement Plan in North Carolina is during the Medigap Open Enrollment Period because:

• You will be eligible to compare and pick any of the Medicare Supplement insurance plans available in North Carolina.
• The Medicare insurance company cannot charge higher rates because of health problems.
• Once this enrollment period ends, you may have to pay higher rates.
• Applications received after the enrollment period can be declined.

Medigap Open Enrollment Period Requirements:

• Age 65 or older
• Enrollment in Part B
• Have six months to apply from the first day of your birthday month

Private health insurance companies are not federally mandated to sell Medicare Supplemental plans to beneficiaries younger than 65. However, North Carolina is one of the states that provides guaranteed issue rights for people under 65 with a qualified disability or end-stage renal disease (ESRD).

Guaranteed Issue Rights

Having guaranteed issue rights means that private insurance companies must:

• Offer at least one type of supplemental insurance policy.
• Cover pre-existing conditions.
• Disregard past or current health issues in terms of pricing.

You may have guaranteed issue rights if you fit one of these scenarios:

• You are a Medicare Advantage member, and your plan no longer works with the Medicare program.
• You have Medicare Advantage and relocate out of the plan's service area.
• In addition to Original Medicare, you are covered under an employer or union group health insurance plan, which is now ending.
• You dropped a Medigap policy to enroll in a Medicare Advantage plan within the last year and now want to switch back.

FAQ:

When Can I Change Medigap Plans?

You can switch Medigap policies if one of the following applies:

• You have a guaranteed issue right.
• You qualify under a special circumstance.
• You are within your six-month enrollment period.
• You are within the 30-day free-look period (must pay the premium for both policies to cover the first month).

Can I Be Denied Coverage?

If you apply for a Medigap policy outside the Medigap Open Enrollment Period, you can be denied coverage based on health issues.

Ready to Learn More?

We help educate Medicare beneficiaries on their Medigap options and help them go through the process of reviewing and comparing plans. We work with some of the nation's top-rated Medigap carriers. So give us a call today, or request a quote online to learn more about Aetna Medicare Supplement plan G and Mutual of Omaha Medicare Supplement plan G in your state.