Medicare Supplement Insurance in North Carolina

Medicare Supplement insurance (also called Medigap) helps senior and disabled state residents pay for certain Medicare co-payments, deductibles, and other costs. Insurance companies can offer state residents one of the 10 standardized Medigap plan options: Plans A, B, C, D, F, G, K, L, M, and N.

Important: Plan F and Plan C are not available to Medicare beneficiaries who become eligible for Medicare on or after January 1, 2020. 

What are the most popular Medicare Supplement plans in North Carolina?

The chart below shows the most popular Medicare Supplement plans in North Carolina.¹

Medicare Supplement Insurance pricing methods

Medigap pricing methods are important because they dictate how your premiums may increase in future years. There are three different pricing methods:

• Attained-age rated: The premium increases as you age.
• Issue-age rated: The premium is based on your age when you buy and it may increase due to inflation and other factors, but not due to your age.
• Community rated: The same premium is charged to all Medigap policyholders.

Under-65 enrollment rules

Although Medicare Supplement insurance is primarily for senior citizens, it also covers disabled people and those with end-stage renal disease (ESRD).

Medigap insurers in North Carolina are allowed to charge under-65 policyholders different premiums from their senior policyholders. However, insurers must charge the same premium to all non-seniors during the open enrollment period.