What are the best North Carolina Medicare Supplement plans? Which plan offers you the best value? In this guide, we’ll walk you through how to compare plans and find the most savings when shopping for North Carolina Medigap plans.
best medicare supplement plans in North Carolina
Before you start trying to compare plans, you need to make sure you understand how these plans are setup. Medigap plans are standardized insurance plans that are regulated by the government.
What is a standardized plan?
This means that when you shop for a specific Medicare Supplement Plan (like Medigap Plan G) it will provide you the same exact coverage no matter the company you buy from.
Your Medicare coverage is the same no matter if the Plan G is from Blue Cross Blue Shield, Mutual of Omaha, Cigna or any other Medigap company.
It’s the LAW!
How to save money on medicare supplement plans in North Carolina
How much will you pay for your North Carolina Medicare Supplement Insurance? You’re not getting more benefits by paying more.
So don’t overpay!
How much can North Carolina residents save?
Here’s a quick example…
Plan G premiums with one insurance company can be very different from another insurance company. Remember, the benefits are the same even if the premiums are different.
We calculated sample quotes from multiple states to show you what the lowest and highest rates are for a 65 year old (non tobacco) male shopping for a Medigap Plan G.
The average monthly premiums from “A” rated companies are:
- Average Lowest Monthly Rate: $128
- Average Highest Monthly Rate: $190
Your Potential Monthly Savings!
Those savings are huge… That’s an annual savings of $744!
Again, these Plan G savings all come with the same benefits.
Since the plan benefits are the same, the only difference from each company is PRICE!
How Medicare Supplements Work
Let’s look at Medigap and compare it to an everyday purchase.
Think of Medigap plans like buying gas.
The quality of regular unleaded gasoline (Plan G) is the same at every gas station.
However, gasoline may have different prices from multiple gas stations in your town.
You probably buy the least expensive premium gas because it’s the same regardless of which station you buy it from.
This is how Medigap works.
If you want to purchase a Plan G, shop your Plan G with all the companies in your Zip Code.
If you are shopping for Plan N, shop all Plan N plans in your Zip Code.
North Carolina Medigap Benefits
Plan G benefits are the exact same no matter what company you choose.
This applies to all Medigap plan letters.
You do not get better benefits by selecting a big or small insurance company.
Price comparison shopping is extremely important.
You must make sure that you are not spending more than you have to for the exact same North Carolina Medicare Supplement Insurance Coverage.
Compare North Carolina Medicare Supplements
It is important to know that even though the coverage for North Carolina Medicare Supplement Plans are the same, the rates are not. You need to compare the plan letters from company to company. For example, compare Medicare Supplement Plan G from multiple companies.
Medicare Supplement Insurance Plan premium prices are different when comparing North Carolina Medicare Supplement Insurance Companies.
The Medigap lettered plans (Plan G for example) are standardized. This is a safety net put in place by CMS (Centers for Medicare and Medicaid Services) to protect you. Insurance companies, by law, can’t make any changes to standardized Medigap benefits.
CMS, however, does not regulate premiums. Insurance companies adjust rates based on inflation, overhead, medical pay outs, marketing, etc.
* Plans F and G also offer a high-deductible plan in some states. With this option, you must pay for Medicare-covered costs (coinsurance, copayments, and deductibles) up to the deductible amount of $2,340 in 2020 ($2,370 in 2021) before your policy pays anything. (Plans C and F aren’t available to people who were newly eligible for Medicare on or after January 1, 2020.)
** For Plans K and L, after you meet your out-of-pocket yearly limit and your yearly Part B deductible, the Medigap plan pays 100% of covered services for the rest of the calendar year.
*** Plan N pays 100% of the Part B coinsurance, except for a copayment of up to $20 for some office visits and up to a $50 copayment for emergency room visits that don’t result in inpatient admission.
REMEDIGAP can answer your questions
Our service is free. We help North Carolina Medicare Insurance beneficiaries who are new to Medicare or already using Medicare.
If you have a Medigap plan, we can review your coverage and find lower rates to save you money on the same exact plan.
We are independent agents who shop the entire market and offer you choices.
We’re not bound to any insurance company.
We don’t work for the Medicare Supplement companies. We work for you.
We’ll find you the absolute highest value with your Medicare Supplement coverage by shopping all of the insurance companies that offer North Carolina Medigap coverage.
Be an informed buyer and comparison shop your North Carolina Medicare Supplement Insurance plans and rates.
Just click here to request a quote or call us at (888) 411-1329 for personal service.
North Carolina Medigap Locations
Are you wondering if I can help you lower your Medicare Supplement costs? I can! Below are the cities in North Carolina that I serve. Click here if you’re looking for other Medicare Supplement states.
Aberdeen Ahoskie Alamance village Albemarle Alliance Altamahaw-Ossipee Andrews Angier Ansonville Apex Arapahoe Archdale Arlington Asheboro Asheville Ashley Heights Askewville Atkinson Atlantic Beach Aulander Aurora Autryville Avery Creek Ayden Badin Bailey Bakersville Bald Head Island village Balfour Banner Elk Barker Heights Barker Ten Mile Bath Bayboro Bayshore Beargrass Beaufort Beech Mountain Belhaven Belmont Belville Belwood Benson Bent Creek Bermuda Run Bessemer City Bethania Bethel Bethlehem Beulaville Biltmore Forest Biscoe Black Creek Black Mountain Bladenboro Blowing Rock Boardman Boger City Bogue Boiling Spring Lakes Boiling Springs Bolivia Bolton Bonnetsville Boone Boonville Bostic Bowmore Brevard Brices Creek Bridgeton Broadway Brogden Brookford Brunswick Bryson City Buies Creek Bunn Burgaw Burlington Burnsville Butner Butters Cajah’s Mountain Calabash Calypso Cameron Candor Canton Cape Carteret Carolina Beach Carolina Shores Carrboro Carthage Cary Casar Cashiers Castalia Castle Hayne Caswell Beach Catawba Cedar Point Cedar Rock village Centerville Cerro Gordo Chadbourn Chapel Hill Charlotte Cherryville Chimney Rock village China Grove Chocowinity Claremont Clarkton Clayton Clemmons village Cleveland Clinton Clyde Coats Cofield village Colerain Columbia Columbus Como Concord Conetoe Connelly Springs Conover Conway Cooleemee Cornelius Cove City Cramerton Creedmoor Creswell Cricket Crossnore Cullowhee Dallas Danbury Davidson Delway Denton Dillsboro Dobbins Heights Dobson Dortches Dover Drexel Dublin Dundarrach Dunn Durham Earl East Arcadia East Bend East Flat Rock East Laurinburg Eastover East Rockingham East Spencer Eden Edenton Elizabeth City Elizabethtown Elkin Elk Park Ellenboro Ellerbe Elm City Elon College Elrod Elroy Emerald Isle Enfield Enochville Erwin Etowah Eureka Everetts Fair Bluff Fairfield Harbour Fairmont Fairplains Fairview Faison Faith Falcon Falkland Fallston Farmville Fayetteville Fearrington Five Points Flat Rock village Flat Rock Fletcher Forest City Forest Hills village Forest Oaks Fort Bragg Fountain Four Oaks Foxfire village Franklin Franklinton Franklinville Fremont Fuquay-Varina Gamewell Garland Garner Garysburg Gaston Gastonia Gatesville Gibson Gibsonville Glen Alpine Glen Raven Godwin Goldsboro Goldston Gorman Graham Grandfather village Granite Falls Granite Quarry Greenevers Green Level Greensboro Greenville Grifton Grimesland Grover Half Moon Halifax Hamilton Hamlet Harkers Island Harmony Harrells Harrellsville Harrisburg Hassell Havelock Haw River Hayesville Hays Hemby Bridge Henderson Hendersonville Hertford Hickory Highlands High Point High Shoals Hightsville Hildebran Hillsborough Hobgood Hoffman Holden Beach Holly Ridge Holly Springs Hookerton Hope Mills Hot Springs Hudson Huntersville Icard Indian Beach Indian Trail Ingold Ivanhoe JAARS Jackson Jacksonville James City Jamestown Jamesville Jefferson Jonesville Kannapolis Keener Kelford Kelly Kenansville Kenly Kernersville Kill Devil Hills King Kings Grant Kings Mountain Kingstown Kinston Kirkland Kittrell Kitty Hawk Knightdale Kure Beach La Grange Lake Junaluska Lake Lure Lake Norman of Catawba Lake Park village Lake Santeetlah Lake Waccamaw Landis Lansing Lasker Lattimore Laurel Park Laurinburg Lawndale Leggett Leland Lenoir Lewiston Woodville Lewisville Lexington Liberty Light Oak Lilesville Lillington Lincolnton Linden Littleton Locust Long View Louisburg Love Valley Lowell Lowesville Lucama Lumber Bridge Lumberton McAdenville Macclesfield McDonald McFarlan McLeansville Macon Madison Maggie Valley Magnolia Maiden Manteo Marietta Marion Mar-Mac Marshall Mars Hill Marshville Marvin village Masonboro Matthews Maxton Mayodan Maysville Mebane Mesic Micro Middleburg Middlesex Millers Creek Milton Mineral Springs Minnesott Beach Mint Hill Mocksville Momeyer Monroe Montreat Mooresboro Mooresville Moravian Falls Morehead City Morganton Morrisville Morven Mountain Home Mountain View Mount Airy Mount Gilead Mount Holly Mount Olive Mount Pleasant Mulberry Murfreesboro Murphy Murraysville Myrtle Grove Nags Head Nashville Navassa Neuse Forest New Bern Newland New London Newport Newton Newton Grove Norlina Norman Northlakes North Topsail Beach Northwest North Wilkesboro Norwood Oakboro Oak City Oak Island Oak Ridge Ocean Isle Beach Ocracoke Ogden Old Fort Oriental Orrum Oxford Pantego Parkton Parmele Patterson Springs Peachland Peletier Pembroke Pikeville Pilot Mountain Pinebluff Pinehurst village Pine Knoll Shores Pine Level Pinetops Pineville Piney Green Pink Hill Pittsboro Plain View Pleasant Garden Pleasant Hill Plymouth Polkton Polkville Pollocksville Pope AFB Powellsville Princeton Princeville Proctorville Prospect Pumpkin Center Raeford Raemon Raleigh Ramseur Randleman Ranlo Raynham Red Oak Red Springs Reidsville Rennert Rex Rhodhiss Richfield Richlands Rich Square River Bend River Road Roanoke Rapids Robbins Robbinsville Robersonville Rockfish Rockingham Rockwell Rocky Mount Rolesville Ronda Roper Roseboro Rose Hill Rosman Rowland Roxboro Roxobel Royal Pines Rural Hall Ruth Rutherford College Rutherfordton St. Helena village St. James St. Pauls St. Stephens Salem Salemburg Salisbury Saluda Sandy Creek Sandyfield Sanford Saratoga Sawmills Saxapahaw Scotland Neck Seaboard Sea Breeze Seagate Seagrove Sedalia Selma Seven Devils Seven Lakes Seven Springs Severn Shallotte Shannon Sharpsburg Shelby Sherrills Ford Siler City Silver City Silver Lake Simpson village Sims Skippers Corner Smithfield Sneads Ferry Snow Hill Southern Pines Southern Shores South Gastonia South Henderson Southport South Rosemary South Weldon Sparta Speed Spencer Spencer Mountain Spindale Spiveys Corner Spring Hope Spring Lake Spruce Pine Staley Stallings Stanfield Stanley Stantonsburg Star Statesville Stedman Stem Stokesdale Stoneville Stonewall Stony Point Stovall Sugar Mountain village Summerfield Sunset Beach Surf City Swannanoa Swansboro Swepsonville Sylva Tabor City Tarboro Tar Heel Taylorsville Taylortown Teachey Thomasville Toast Tobaccoville village Topsail Beach Trenton Trent Woods Trinity Troutman Troy Tryon Turkey Unionville Valdese Valley Hill Vanceboro Vandemere Vander Vann Crossroads Varnamtown Vass Waco Wade Wadesboro Wagram Wake Forest Walkertown Wallace Walnut Cove Walnut Creek village Walstonburg Wanchese Warrenton Warsaw Washington Washington Park Watha Waxhaw Waynesville Weaverville Webster Weddington Welcome Weldon Wendell Wentworth Wesley Chapel village West Canton West Jefferson West Marion Westport West Smithfield Whispering Pines village Whitakers White Lake White Oak White Plains Whiteville Whitsett Wilkesboro Williamston Wilmington Wilson Wilson’s Mills Windsor Winfall Wingate Winston-Salem Winterville Winton Woodfin Woodland Woodlawn Wrightsboro Wrightsville Beach Yadkinville Yanceyville Youngsville Zebulon