Medicare Supplement Plans in North Carolina 2025

• Medicare Plan G
• Medicare Plan N
• Medicare Plan F*
• High-Deductible Plan G
• High-deductible Plan F*

*Medicare Plan F is no longer available to people eligible for Medicare on January 1st of 2020 or later

Medicare Supplement Plan G in North Carolina

In North Carolina, Medicare Plan G is now the highest-coverage and most popular Medicare Supplement plan for people new to Medicare. This used to be Medicare Plan F however it is no longer offered to anyone new to Medicare after January 1st of 2020.

Medigap Plan G pays for 100% of the gaps in Medicare Parts A and B, except for the annual Medicare Part B deductible. In 2023 this deductible was $226. So once your medical bills reach $226, you’ll owe nothing beyond that for any Medicare-approved expense.

Medicare Plan G Rates in North Carolina

The rates for Medicare Plan G in North Carolina average between $95 and $397 per month.

These rates are determined by several factors, such as:

• Age
• Tobacco use
• Zip code
• Gender
• Household discounts (if applicable, vary by company)

Medicare Plan N in North Carolina

Medicare Plan N is also now extremely popular because it has great coverage and lower monthly premiums than Plan G.  With Plan N you may have few out-of-pocket expenses than you would with Plan G.

With Medigap Plan N you pay the Medicare Part B deductible just as you do with Plan G. After that deductible is met, you might have:

• Up to a $20 co-pay for doctor’s visits (telehealth visits don’t apply)
• A $50 co-pay if you visit the emergency room and you’re not admitted (Urgent care visits don’t apply)
• Part B excess charges not covered – Very Rare

Medicare Plan N Rates in North Carolina

The rates for Medicare Plan G in North Carolina average between $70 and $275 per month depending on age, zip code, tobacco use, gender, and if any household discounts apply.

Medicare Supplement Plans in North Carolina 2025

There are no changes in benefits to North Carolina Medicare supplement plans in 2025.  

If you’ve been with the same Medicare Supplement insurance company for 2 years or more you could be overpaying by a large amount. This is because rate increases happen each year. We watch the rates each year for you so you don’t have to!

Using our website you can check the rates for FREE and see if you’re currently paying too much.

Medicare Supplement Plans in NC

When it comes down to it, the “best” Medicare supplement plan is the one that you’re comfortable with in terms of benefits and monthly premium.

Medicare Plan G – One low deductible, then 100% coverage. Higher premiums than Plan N

Medicare Plan N – Lower monthly premiums, small out-of-pocket costs such as co-pays, and possibly Medicare Part B excess charges (rare though)

By using our website you can check the cost between Plan G and Plan N in your area to see how much you can save.

Medicare Supplement Insurance Companies in North Carolina

There are several companies in North Carolina offering Medigap plans. The most important thing to keep in mind is that they all offer the same plans, with the exact same benefits. Their monthly rates for these plans are all different though.

And, each company has rate increases every year.

We make it easy as we shop at all the top companies to make sure you’re not overpaying on your Medicare supplement insurance, and we do this every year for our clients for FREE.

How to Enroll

The easiest way to enroll in a Medicare supplement plan in North Carolina is to just give us a call at 1-888-891-0229. Our experienced, licensed agents can answer all of your questions and find you the best Medigap plan and company, for the lowest cost.

We’ll help you every year to make sure you’re in the right spot with all of your Medicare Coverage. Or click below to get started.

Popular Articles

NC DOI