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What Are Medicare Supplement Plans in North Carolina?

Updated on: January 21st, 2021

We aim to help you make informed healthcare decisions. While this post may contain links to lead generation forms, this won’t influence our writing. We follow strict editorial standards to give you the most accurate and unbiased information.

Original Medicare, which is Medicare Part A and Part B combined, can help to cover many healthcare costs. However, you’ll still be responsible for some expenses like copayments, coinsurance, and deductibles.1 Medigap policies, also known as Medicare Supplement insurance, can help to cover those healthcare expenses. That way you pay less out of pocket for the healthcare that you need. 

In North Carolina, you can choose from 10 Medigap policies, plus two extra high-deductible options. Private companies sell these policies, and you’ll pay a premium to the insurance provider in addition to your Original Medicare premiums. 

When you need healthcare, your Original Medicare will cover the amount that’s approved in your policy. Then, your Medigap policy will pay toward the remaining costs, reducing or eliminating the expenses that you’ll need to pay for. If you frequently need healthcare services, having the extra coverage of a Medigap policy can save you money.  

 What You Need to Know

With Original Medicare, you’re still responsible for some healthcare expenses. Medigap policies help to pay for some of these expenses, getting you extra coverage for copayments, deductibles, and more.2


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You can buy a Medigap policy from a private insurance company, but you need to be enrolled in Medicare Part A and Part B to qualify.3 

In North Carolina, you can choose from 10 different Medigap policies. There are also high-deductible versions of two of these policies.4

When Can You Enroll in Medigap?

Like most health insurance policies, Medigap has an Open Enrollment Period, but you can potentially enroll outside of that period, too.5 The Medigap Open Enrollment Period begins the month that you turn 65 and enroll in Medicare Part B, and goes on for six months. While you’re within the Open Enrollment Period, you can buy any Medigap policy available in your state. You may have access to more policies at better prices than you’d have when buying outside of Open Enrollment. You can also buy any policy, even if you have pre-existing conditions.

Buying a Medigap policy becomes more complicated when you’re outside of that enrollment period. Insurance companies can deny you if you have pre-existing conditions and health problems. Alternatively, they can decide not to cover your pre-existing condition, and they may implement a six-month waiting period before your Medicare policy takes effect.  

Depending on your situation, you may qualify for guaranteed issue rights, which require insurance providers to allow you to buy a Medigap policy even though you’re outside of the Medigap Open Enrollment Period.6 If you have guaranteed issue rights, the provider needs to cover your pre-existing health conditions and can’t increase the price of your policy because of health issues. Many situations qualify as guaranteed issue rights, including:

  • Your Medigap policy is ending through no fault of your own
  • You drop a Medigap policy because the company misled you
  • You’re moving out of your Medicare Advantage Plan’s service area  

In some situations, you may qualify for a Special Enrollment Period (SEP).7 During a SEP, you will be able to change your coverage, but each type of SEP comes with restrictions on the specific changes you can make. Events like moving, losing your current coverage, and having the chance to apply for coverage through your employer may qualify for SEP. 

Want to compare policies? Check out MedicareGuide.com.

The 10 available standardized Medigap policies offer slightly different coverage, but they all help to cover healthcare expenses like hospital costs, blood transfusion, and Medicare Part B copays and coinsurance.8 Plans F, G, and N are some of the most popular options.

Plan F

Plan F offers the most comprehensive coverage, including: 

  • Part A coinsurance and hospital costs
  • Part B copays/coinsurance
  • Blood (first 3 pints)
  • Part A hospice
  • Skilled nursing facility
  • Part A deductible
  • Part B deductible
  • Part B excess charges
  • Foreign travel emergency – 80%

Plan G

Plan G offers most of the same coverage as Plan F, but it excludes the Part B deductible: 

  • Part A coinsurance and hospital costs
  • Part B copays/coinsurance
  • Blood (first 3 pints)
  • Part A hospice
  • Skilled nursing facility
  • Part A deductible
  • Part B excess charges
  • Foreign travel emergency – 80% 

Plan N

Plan N also has most of the same coverage as Plan F. Plan N excludes the Part B deductible and Part B excess charges: 

  • Part A coinsurance and hospital costs
  • Part B copays/coinsurance
  • Blood (first 3 pints)
  • Part A hospice
  • Skilled nursing facility
  • Part A deductible
  • Foreign travel emergency – 80%

In North Carolina, Plan F and Plan G are both available with high deductible options.9 If you choose a high deductible plan, you’ll pay a lower monthly premium but will be responsible for covering costs until you reach the plan’s deductible. If you suspect you may not frequently need the coverage each plan offers, then a high deductible plan could help to save you money. If you anticipate having healthcare costs that the plan would cover, then choosing a plan with a standard deductible might be a better option. 

How to Choose a Medicare Supplement Plan?

Medigap policies offer slightly different coverage, available at different premiums and with different deductibles. Consider using a third-party comparison tool like HealthCare.com to easily see the differences between each plan. When deciding which plan is right for you, you’ll want to think about the types of healthcare that you most commonly need and the premiums that you can afford.

Ready to shop? Compare Medigap policies with HealthCare.com

How Much Do Medigap Policies Cost?

Medigap policy cost will vary depending on the policy and other factors like your age and whether or not you smoke. The following prices reflect quotes for a 65-year-old female in North Carolina who doesn’t use tobacco.10 They can give you an idea of what you might pay for a Medigap policy:

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  • Medigap Plan F: Premiums range from $106 – $355
  • Medigap Plan F High Deductible: Premiums range from $30 – $66 with a $2,340 total plan deductible
  • Medigap Plan G: Premiums range from $90 – $303
  • Medigap Plan G High Deductible: Premiums range from $30 – $64 with a $2,340 total plan deductible
  • Medigap Plan N: Premiums range from $70 – $235

What If You Want to Change Your Medigap Policy?

Once you choose a Medigap policy, you’ll only be able to change that policy at certain times.11 You can change your policy if you’re still within the open enrollment period. Certain special circumstances or guaranteed issue rights can also qualify you to change your policy, such as if you move to another state. But because there are limited opportunities to change policies, it’s important to thoroughly research each policy’s coverage to make sure you’re choosing the policy that’s right for you.

What Are Alternatives to Medicare Supplement?

If a Medigap policy isn’t right for your needs, a Medicare Advantage Plan can still give you extra coverage.12 These plans are provided by private health insurance companies and they help to cover your Medicare Part A and Part B expenses. While Medigap policies don’t offer prescription drug coverage, many Medicare Advantage Plans do, making these plans a practical option if you regularly take prescription medications. 

What Are Medicare Resources in North Carolina?

You can also use MedicareGuide.com to view and compare available Medicare policies in North Carolina

Medigap Chart 

Next Steps

Medicare covers many healthcare expenses, but you might still face bills for expenses that Medicare doesn’t cover. If you know that you’ll regularly need healthcare services that Medicare won’t cover, investing in a Medigap policy can help you to save money. All Medigap policies provide slightly different coverage, so for more guidance, check out How to Choose a Medicare Supplement Plan.



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  1. Medicare.gov. “What’s Medicare Supplement Insurance (Medigap)?” medicare.gov. (accessed September 10, 2020).

  2. Medicare.gov. “What’s Medicare Supplement Insurance (Medigap)?” medicare.gov.

  3. Medicare.gov. “What’s Medicare Supplement Insurance (Medigap)?” medicare.gov.

  4. Medicare.gov. “Find a Medicare Plan.” medicare.gov. (accessed September 10, 2020).

  5. Medicare.gov. Medicare. “When Can I Buy Medigap?” medicare.gov. (accessed September 10, 2020).

  6. Medicare.gov. “Guaranteed Issue Rights.” medicare.gov. (accessed September 10, 2020).

  7. Medicare.gov. “Special Circumstances (Special Enrollment Periods).” medicare.gov. (accessed September 10, 2020).

  8. Medicare.gov. “Benefits Offered by Each Medigap Plan.” medicare.gov. (accessed September 10, 2020).

  9. Medicare.gov. “Find a Medicare Plan.” medicare.gov.

  10. Medicare.gov. “Find a Medicare Plan.” medicare.gov.

  11. Medicare.gov. “Switching Medigap Policies.” medicare.gov (accessed September 10, 2020).

  12. Medicare.gov. “Medicare Advantage Plans.” medicare.gov (accessed September 10, 2020).