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, Mutual of Omaha's Medicare Supplement Plan G is the best comprehensive plan for a monthly price of $110.
- Aetna offers the best Medicare Supplement Plan N rates at $76 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 $36 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.
Mutual of Omaha Medicare Supplement Plan G
Mutual of Omaha Plan G is a top-notch option - providing coverage for many of your out-of-pocket costs that Original Medicare leaves you with. Except for the deductible associated with Part B, this plan covers many out of pocket costs.
When selecting Mutual of Omaha Plan G, you'll gain access to a variety of benefits, including:
- Medicare Part B excess charges, Medicare Part A deductible and Part B coinsurance costs are covered.
- No referrals are required.
- Access to any medical provider who accepts Original Medicare.
Monthly Plan Cost: $110
*Quotes for a 65 year old non smoking female, in zip code 27006.
Aetna Medicare Supplement Plan N
If you're looking for a budget-friendly plan with rates lower than Medicare Plans F or G, then Aetna Medicare Plan N is your answer. Get quality coverage without breaking the bank.
Aetna Plan N offers several advantages and benefits to all enrollees, such as:
- Skilled nursing facilities
- $0 Part A deductible
- Foreign travel emergency healthcare
- Maximum $20 copay for office visits
- Maximum $50 copay for an ER visit (waived if admitted)
Out of Pocket Expenses:
- Must pay Part B deductible
- Must pay Part B excess charges
- Must pay copays for office visits and ER visits
Monthly Plan Cost: $76
*Quotes for a 65 year old non smoking female, in zip code 27006.
Mutual Of Omaha High-Deductible Plan G
- North Carolina beneficiaries can take advantage of the comprehensive benefits offered by Mutual of Omaha's High-Deductible Plan G with a much more affordable monthly premium. Plan benefits become accessible after you pay your annual deductible out of pocket of $2,700.
Monthly Plan Cost: $36
*Quotes for a 65 year old non smoking female, in zip code 27006.
Cigna Medicare Supplement Plan F
- For individuals who have already enrolled in Original Medicare before January 1st 2020, Cigna Plan F stands out among all of the available Medigap plans as an incredibly comprehensive option. Not only does it cover Part A and B deductibles, but also additional coinsurances.
Monthly Plan Cost: $127
*Quotes for a 65 year old non smoking female, in zip code 27006.
What's the Best Medicare Supplement Company in North Carolina?
Based on our review of several key factors, Mutual of Omaha is the best Medicare Supplement company in North Carolina.
While Mutual of Omaha 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, Mutual of Omaha 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 Mutual of Omaha that are also available in North Carolina, including sample premiums, ratings, and market share:
Cigna
Market share: 2.74%
Plan G cost: $114
Plan N cost: $81
Financial strength: A
Mutual of Omaha
Market share: 17.52%
Plan G cost: $110
Plan N cost: $80
Financial strength: A+
Aetna
Market share: 10.5%
Plan G cost: $111
Plan N cost: $76
Financial strength: A
United Healthcare
Market share: 23.12%
Plan G cost: $107
Plan N cost: $81
Financial strength: A
How Much Does a Medigap Plan Cost in North Carolina?
The best price for Medicare Supplement Plan G in North Carolina is $110 per month with Mutual of Omaha.
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:
Medigap Plan
Plan F
Plan G
Plan N
High Deductible G
Plan A
Monthly Cost
$127
$110
$76
$36
$101
Plan Popularity in North Carolina
60%
45%
25%
15%
8%
Quotes are for sample purposes only. Prices are the average monthly rate in North Carolina for a 65-year-old female nonsmoker. Part B start date and or medical underwriting may affect your rate.
When Can I Apply for a Medicare Supplement Plan?
Every North Carolina beneficiary has their own six-month Medigap Open Enrollment Period (OEP) that only occurs one time, and cannot be changed. This is the best time to enroll in Medigap. Your OEP starts the first month that you meet the following qualifications:
- Are at least 65 years old.
- Are enrolled in Medicare Part B.
During these six months:
- 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.
If you try to enroll in Medigap after this enrollment period ends, you may have to pay higher rates, and there is a possibility you will be denied coverage.
If You are Under 65
North Carolina is one of the states that allows enrollment in Medigap for people under 65 with a qualified disability or end-stage renal disease (ESRD), as long as they are enrolled in Original Medicare.
Guaranteed Issue Rights
During your OEP, you will have 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 also have guaranteed issue rights in other situations, such as losing coverage or having a plan that no more extends services in your area. These unique situations are called Special Enrollment Periods. During these times, you can enroll without being charged more.
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.
FAQ
Premium costs range from $36 to $148 monthly. The cost of Medicare Supplement plans in North Carolina can vary significantly based on factors like age, gender, tobacco history, and your chosen plan.
Two of the best Medicare Supplement insurance providers in North Carolina are Cigna and Mutual of Omaha. Both companies offer a wide range of high-quality supplemental health insurance coverage options.
Plan G is one of the most popular Medicare Supplement plans available for seniors. It significantly fills in the Original Medicare Part A and Part B gaps.
If you apply for a Medigap policy outside the Medigap Open Enrollment Period and do not qualify for guaranteed issue rights, you can be denied coverage based on health issues.
Medigap plans can be changed anytime, but it might require medical underwriting. You may be exempt from medical underwriting if you qualify for guaranteed issue rights or are within your Medigap Open Enrollment time frame.
For over 15 years, Matt Kiggins has been the senior editor at Simple Advisor, giving detailed advice on Medicare, life insurance, and dental coverage to thousands of clients in more than forty states. His demonstrated expertise in assisting people with their health plan selection is remarkable — it’s evident that he stands out among competitors as the go-to source for knowledge and support.
Matt holds a resident 2–15 Florida Health & Life (Including Annuities & Variable Contracts) Agent License in Florida, his state license number is P116762 (Issued 10/1/2007).
Article Resources:
- Mutual of Omaha Medicare Supplement Plans
- Cigna Medicare Supplement Plans
- How Much Does a Medigap Plan Cost?
- When Can I Apply for a Medicare Supplement Plan?
- When Can I Change Medigap Plans?
- Can I Be Denied Medigap Coverage?
- CMS Medicare Services
- North Carolina Medicare Supplement Premium Comparison Database
Please note that the average quotes provided are for demonstration purposes only. Your actual premiums will be determined based on several factors such as your health conditions, age, location, tobacco status, gender, and insurance provider.
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