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Best Medicare Supplement Plans in North Carolina for 2023

Scene of North Carolina
By Daniel Petkevich
Nov 26, 2022
Medicare Supplement plans in North Carolina are designed to supplement the coverage provided by Original Medicare. According to the most recent U.S. Census Bureau estimates, over 1.7 million North Carolinians are over 65 years old and thus eligible for these important plans.

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Talk to one of our Licensed Medicare Agents today to find the right plans for you.
Fair Square Medicare is committed to helping you find the plan that best meets your needs and budget. With their knowledgeable representatives, it is easy and stress-free to compare plans and enroll in the one that fits you best. Call Fair Square Medicare at 888-507-9540 today to get started on finding the perfect Medicare Supplement plan for you!
The prices below are estimates and will vary according to your age, sex, lifestyle, and location. Contact us to get personalized quotes!

In North Carolina, the Best Choice is G.

Without context, choosing between Medicare Supplements is like choosing letters from an alphabet soup. In North Carolina, there is Plan A, Plan B, Plan C, Plan D, Plan F, Plan G, Plan K, Plan M, and Plan N. Fortunately, there’s an easy heuristic to decide between them:
All Medicare Supplements with the same plan letter must, by law, offer the same coverage (regardless of carrier or region). This makes them easily comparable. In North Carolina, plans A, B, C, D, K, M, and N can all be thrown out from consideration because they offer less coverage, and usually cost more than the optimal Plan G . Plan F is a unique exception here, which we address below.
Takeaway: Plan G offers the most comprehensive coverage for your dollar.

Why Medicare Supplements over Medicare Advantage Plans?

Unlike Medicare Advantage plans, you will be covered by any health provider that accepts Medicare under a Supplement Plan (about 90% of doctors nationwide). So you don’t need to worry about a Carrier network, or getting prior approval for a procedure. The extent of that coverage is the other consideration, and no other Medicare plan covers out-of-pocket expenses as comprehensively as Plan G.

What You Need to Know about Plan G in North Carolina:

Again, the benefits of Medicare Supplement Plans are defined by the government, which means the coverage is the same for each plan letter no matter the cost. We recommend you go with the cheapest carrier offering Plan G (which we’ve included below). All you need to worry about paying is your monthly premium and the yearly Part B Deductible of $233 for any Medicare approved medical services.

The average monthly premium in North Carolina for Plan G is $145.26.

If you want the most comprehensive coverage, Plan G is for you. Take a look at what that entails below:

Part A Coinsurance

Part A Hospice Care Coinsurance + Copay

Part A Deductible

Blood (3 Pints)

Part B Coinsurance + Copay

Part B Excess Charge

Part B Deductible

Plan G also offers 80% coverage on foreign travel exchange, which is the highest on Medicare. Since you’ll get this same coverage no matter the monthly premium, we’ve compiled the average cost of Plan G across North Carolina.

Top 5 Cheapest Plan G Options in North Carolina:

  • 1.

    Allstate Insurance

    $104.80/month

  • 2.

    Insurance Capital

    $107.90/month

  • 3.

    Bcbs of Nc

    $111.50/month

  • 4.

    Pekin Insurance

    $111.51/month

  • 5.

    Prosperity Life Insurance

    $112.43/month

Premiums do vary by zip code, so contact us below to hear the local premiums you can actually enroll in.

Speak with a Medicare Advocate

Talk to one of our Licensed Medicare Agents today to find the right plans for you.

What about Plan F in North Carolina?

Plan F technically offers the most comprehensive coverage of all the Medicare Supplement Plans. However, eligibility for Plan F is closed to people who turned 65 after 2020. If you are eligible, it’s a compelling option, but only if the premium makes sense when comparing against Plan G.

The average monthly premium for Plan F in North Carolina is $177.94.

Here is what Plan F offers:

Part A Coinsurance

Part A Hospice Care Coinsurance + Copay

Part A Deductible

Blood (3 Pints)

Part B Coinsurance + Copay

Part B Excess Charge

Part B Deductible

As you can see, Plan F covers even more potential out-of-pocket expenses than Plan G. Pro Tip: if your Plan F premium is $20 more than your Plan G premium, G becomes the cheaper option because the Part B Deductible is only $226. Plan F also offers 80% coverage on foreign travel exchange, which is the highest on Medicare (same as Plan G). Since you’ll get this same coverage no matter the monthly premium, we’ve compiled the average cost of Plan F across North Carolina.

Top 5 Cheapest Plan F Options in North Carolina:

  • 1.

    Prosperity Life Insurance

    $124.76/month

  • 2.

    Allstate Insurance

    $126.39/month

  • 3.

    Ggc

    $134.45/month

  • 4.

    Advantage Capital

    $136.01/month

  • 5.

    Manhattanlife

    $137.50/month

Premiums do vary by zip code, so contact us below to hear the local premiums you can actually enroll in.

Speak with a Medicare Advocate

Talk to one of our Licensed Medicare Agents today to find the right plans for you.

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Virgil Insurance Agency, LLC (DBA Fair Square Medicare) and www.fairsquaremedicare.com are privately owned and operated by Help Button Inc. Medicare supplement insurance plans are not connected with or endorsed by the U.S. government or the federal Medicare program. This is a solicitation of insurance. A licensed agent/producer may contact you. Medicare Supplement insurance is available to those age 65 and older enrolled in Medicare Parts A and B and, in some states, to those under age 65 eligible for Medicare due to disability or End-Stage Renal disease. Virgil Insurance Agency is a licensed and certified representative of Medicare Advantage HMO, HMO SNP, PPO, PPO SNP and PFFS organizations and stand-alone PDP prescription drug plans. Each of the organizations we represent has a Medicare contract. Enrollment in any plan depends on contract renewal. The plans we represent do not discriminate on the basis of race, color, national origin, age, disability, or sex. Plan availability varies by region and state. For a complete list of available plans please contact 1-800-MEDICARE (TTY users should call 1-877-486-2048), 24 hours a day/7 days a week or consult www.medicare.gov. © 2024 Help Button Inc

We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

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