What Are the Best Medicare Supplement Plans in North Carolina?

Mutual of Omaha sells the best Medicare Supplement plans in North Carolina.

That's because the company has cheap rates and good customer satisfaction. Plan G from Mutual of Omaha is the best choice if you are new to Medicare and want the most comprehensive coverage available.

If you want a cheaper monthly rate, consider Plan N from Aetna. Plan N has coverage that is almost as good as Plan G, but it is cheaper. Aetna has the cheapest Plan N in North Carolina, so it's a good choice for budget shoppers.

When selecting the best Medicare Supplement plan in North Carolina, you should consider both cost and customer service.

What's the best Medicare Supplement company in North Carolina?

Mutual of Omaha is the best Medigap provider in North Carolina because of its low costs and good customer service.

Mutual of Omaha Plan G policies are cheaper than the statewide average of $134 per month. The company also has a strong reputation for customer satisfaction. That means you'll likely experience fewer difficulties with claim payouts.

Blue Cross Blue Shield (BCBS) of North Carolina also stands out for its low rates, and it's the most popular Medigap provider in the state.

In recent years, BCBS has received a high number of complaints compared to similar-sized companies. If that is a concern, you should look at companies with better reputations for customer service like Mutual of Omaha or AARP/UnitedHealthcare.

Company
Plan G monthly rates
Customer satisfaction
BCBS of NC$961.5
Aetna$1031.5
Mutual of Omaha$1104.5
USAA$1284.0
Cigna$1302.5
UnitedHealthcare$1694.5
Colonial Penn$2141.5

All rates are for a 65-year-old female nonsmoker.

When shopping for a Medicare Supplement plan, remember companies offer multiple plan types, where different letters mean different benefit levels. The insurance company with the cheapest Plan N might not be the best company for Plan G.

Medicare Supplement plans with the same letter are required by law to include the same coverage. In other words, every Plan A covers the exact same services regardless of the company you purchase the plan through. That means you should look at customer satisfaction rates and price as the main differentiating factors between Medigap plans from different health insurance companies.

It's also important to remember that almost all Medicare Supplement plans let you see any doctor that accepts Medicare. You won't have to worry about in-network and out-of-network situations.

Best overall: Mutual of Omaha

Average monthly cost of Mutual of Omaha Medigap in North Carolina:

  • Plan G: $110
  • Plan N: $86
  • Plan A: $98
  • Plan D: $139
  • High-deductible Plan G: $44

Mutual of Omaha plans in North Carolina combine high-quality customer service with affordable rates. You can save 18% off the state average for a Plan G policy, the most popular Medigap plan for new enrollees in North Carolina. The company also receives significantly fewer complaints compared to similar-sized health insurance providers.

Mutual of Omaha doesn't offer Plans B, C, K, L and M. However, these plans account for only 5% of all Medigap policies sold in North Carolina. Mutual of Omaha also offers high-deductible plans that let you save a considerable amount on monthly rates in exchange for higher upfront costs when you need medical care.

The company also offers household discounts, which run from 7% to 12%. One drawback is that Mutual of Omaha doesn't offer extra benefits like dental or vision discounts. However, it makes up for the lack of perks with high levels of customer satisfaction and low prices.

Best for low rates: Blue Cross Blue Shield of North Carolina

Average monthly cost of Blue Cross Blue Shield (BCBS) of North Carolina Medigap in North Carolina:

  • Plan G: $96
  • Plan N: $86
  • Plan K: $65
  • Plan A: $110
  • High-deductible Plan G: $37

Blue Cross Blue Shield (BCBS) of North Carolina is one of the most affordable options on the market, with an average Plan G price of just $96 a month.

In addition to its low rates, a BCBS policy has a wide array of benefits. Blue Cross Blue Shield members receive discounts at more than 40,000 vendors through the Blue365 program. That includes gym memberships and dental, vision and hearing exams.

Blue Cross Blue Shield of North Carolina receives a high volume of customer complaints about Medicare Supplement plans.

Blue Cross Blue Shield lets you switch Medigap plans without the need for a health exam through its Blue to Blue benefit. This lets you avoid expensive rates or outright denial if you want to change your plan.

Cheapest Plan N: Aetna

Average monthly cost of Aetna Medigap in North Carolina:

  • Plan G: $103
  • Plan N: $76
  • Plan B: $113
  • Plan A: $93
  • High-deductible Plan G: $44

At just $76 per month on average, Aetna offers the cheapest Plan N Medigap policy in North Carolina. You can save $31 per month on your health insurance premiums compared to the state average.

With Plan N, you receive most of the same coverage you get from Plan G except for some Medicare Part B copayments, coinsurance and excess charges. An excess charge is any amount over what Medicare agrees to pay for a specific service. If Medicare agrees to pay $110 for a service and your doctor bills $150, then the $40 difference would be an excess charge. Excess charges are extremely rare since most health care providers are not allowed to make them.

Aetna receives a large number of complaints compared to its peers. However, you should consider buying a Plan N policy through Aetna if you're willing to have worse service for lower prices.

If customer satisfaction ranks high on your list of must-haves, Mutual of Omaha is a good option for your Medigap Plan N policy. It costs $10 a month more on average but has a considerably better customer service reputation.

How much does a Medigap plan cost in North Carolina?

The average cost of a North Carolina Plan G monthly premium is $134, and the average cost of a Plan F policy is $169. These rates are for a 65-year-old woman who doesn't smoke. In North Carolina, your monthly rates will go up as you get older.

Medigap plan
Monthly cost
Popularity in North Carolina (enrollment %)
Plan F$16945%
Plan G$13442%
Plan N$1077%
Plan JN/A3%
Show All Rows

Rates are based on a 65-year-old female nonsmoker in North Carolina.

In North Carolina, Plan F and Plan G make up 87% of all Medigap policies sold. They are popular because they offer the most coverage. The two plans are identical except Plan F is only available to people who became eligible for Medicare before 2020 and Plan G does not cover your Medicare Part B deductible.

Otherwise, both plans include coinsurance for Medicare Part A and Part B, the Medicare Part A deductible, hospital costs, Medicare Part B excess charges, blood transfusions (up to three pints) and some coverage for when you're in a skilled nursing facility.

North Carolina's Seniors' Health Insurance Information Program (SHIIP)

SHIIP is a free resource that helps senior citizens understand how Medicare works. You can talk to a SHIIP counselor over the phone or by email.

  • Call 1-855-408-1212 toll-free (8 a.m. to 5 p.m. EST)
  • Send an email to [email protected]

SHIIP counselors are not insurance agents. You cannot buy a Medicare Supplement policy through SHIIP. Instead, SHIIP provides information and expert advice about Original Medicare, Medigap, Medicare Part D and Medicare Advantage.

Frequently asked questions

How much is Medigap Plan G in North Carolina?

The average cost of Medigap Plan G in North Carolina is $134 per month. Blue Cross Blue Shield of North Carolina is the cheapest option, at $96 a month, while Mutual of Omaha is $110 per month and has better customer service.

What are the best Medicare Supplement plans in North Carolina?

Plans F, G and N are the most popular Medicare Supplement plans in North Carolina. All three plans provide high levels of coverage. However, Plan F is only available to those who became eligible for Medicare before Jan. 1, 2020.

How much does supplemental Medicare insurance cost in North Carolina?

Supplemental Medicare insurance costs between $42 a month and $220 a month in North Carolina, depending on your plan level. High-deductible Plan G policies run just $42 a month on average, making them the cheapest plans in North Carolina.

Sources and methodology

Rates were compiled using comprehensive actuarial data for 2023 plans from all Medigap plan providers in the state of North Carolina. Companies with a market share of less than 1.5% were excluded from our analysis. America's Health Insurance Plans (AHIP) supplied enrollment data for Medicare Supplement plans. Recommendations are based on average cost, customer complaint data from the National Association of Insurance Commissioners (NAIC), consumer reviews and financial strength ratings.

ValuePenguin's experts used AM Best grades, which rate a company's financial stability. Additionally, NAIC complaint information was used to compare how many complaints a company receives to its market share.

Customer satisfaction scores are out of 5 points and based on NAIC information. A score of 1 indicates the company has over three times as many complaints as a similar-sized insurer, while a score of 5 means the company receives less than a quarter of the complaints of an average company when adjusted for size.

Customer satisfaction score
Complaints a company receives compared to a typical insurer of its size
5.0 (top rating)Over 75% fewer complaints than typical
4.550% to 75% fewer complaints than typical
4.025% to 50% fewer complaints than typical
3.50% to 25% fewer complaints than typical
3.0An average rate of complaints
2.50% to 50% more complaints than typical
2.050% to 100% more complaints than typical
1.5100% to 250% more complaints than typical
1.0Over 250% more complaints than typical

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Invitations for application for insurance may be made through QW Insurance Solutions, LLC ("QWIS"), a subsidiary of QuoteWizard.com, LLC ("QuoteWizard"), a LendingTree subsidiary, or through its designated agents, only where licensed and appointed. Licensing information for QWIS can be found here. QWIS is a non-government licensed health insurance agency. Not affiliated with or endorsed by any government agency.

Callers to QWIS will be directed to a licensed and certified representative of Medicare Supplement insurance and/or Medicare Advantage HMO, HMO SNP, PPO, PPO SNP and PFFS organizations. Calls to QWIS will be routed to a licensed agent who can provide you with further information about the insurance plans offered by one or more third-party partners of QWIS. Each of the organizations they represent has a Medicare contract. Enrollment in any plan depends on contract renewal.

Availability of benefits and plans varies by carrier and location and may be limited to certain times of the year unless you qualify for a Special Enrollment Period. QWIS does not offer every plan available in your area. Any information provided is limited to those plans offered in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

Deductibles, copays, coinsurance, limitations, and exclusions may apply.

Medicare has neither reviewed nor endorsed the information contained on this website. Medicare evaluates plans based on a 5-star rating system every year.

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