What's the Best Medicare Supplement Plan in North Carolina?
Blue Cross Blue Shield of North Carolina and Aetna offer the best Medicare Supplement plans – with the most affordable rates – in North Carolina.
Plan G is the most comprehensive plan, and Blue Cross Blue Shield of North Carolina has the lowest rate at $117.50 per month in Wake County, while Aetna offers competitive rates for Plan N at just $87.63 in Guilford County. Benefits from both plans include household discounts, affordable monthly premiums, and high customer satisfaction rates.
More than 494,578 residents of North Carolina have benefitted from the comprehensive coverage of Medicare Supplement insurance. An impressive 204,699 people opted for Plan G, which reflects its remarkable popularity and high satisfaction among its members.
Additionally, Plan N garnered enrollment from more than 32,239 beneficiaries, solidifying its position as the second most favored plan.
Best Plan G: BCBSNC
Blue Cross Blue Shield of North Carolina
Plan G: $117.50 per month (average)
Blue-to-Blue: While many carriers limit plan changes to once a year with additional underwriting, the BCBSNC program provides extra flexibility to switch if your needs or budget evolve – without additional health inquiries.
Also, beneficiaries enjoy hearing aid benefits and fitness memberships with most plans.
Best Plan N: Aetna
Plan N: $87.63 per month (average)
- No network limits
- $25 copay for office visits
- $50 copay for ER visits
Some Aetna plans may offer coverage for Attain by Aetna, a fitness and wellness program.
We researched the most financially feasible Medicare Supplement plans in North Carolina, focusing on companies with long-term financial stability.
It’s worth noting that newer insurance companies may offer lower rates to start and could unexpectedly increase prices. Sticking with reputable brands is recommended to save money and avoid potential issues.
Best Plan G Rates: Blue Cross Blue Shield of NC
The Blue Cross Medigap Plan G offers a wide range of benefits encompassing coverage for Part B excess charges, the Medicare Part A deductible, and Part B coinsurance. What sets this plan apart is its flexibility.
No referral restrictions exist, and you can choose any provider without being limited by networks (as long as they participate in the Original Medicare network).
Unlike a Medicare Advantage plan, Plan G benefits never change.
This plan also covers foreign travel and emergency care and helps lower out-of-pocket expenses. As a bonus, you gain access to a fitness program.
Experience comprehensive coverage and peace of mind with Blue Cross Blue Shield of NC Medigap Plan G.
Best Plan N Rates: Aetna
- Medigap Plan N allows you to visit any doctor that accepts Original Medicare
- Benefits never change
- $25 copay for office visits
- $50 copay for ER visits
- Optional dental and vision insurance is available for an additional cost
- Original Medicare Part A and B coinsurance
- Part A deductible
- Emergency care
Aetna Plan N may assist with lower out-of-pocket expenses overall and also offers the Attain by Aetna fitness membership.
What's the Best Medicare Supplement Company in North Carolina?
The overall best Medigap providers in North Carolina are Blue Cross Blue Shield of North Carolina and Aetna.
These companies offer Medigap plans that are more affordable in North Carolina, which is why they are popular in our review process. The ideal Medicare Supplement company varies depending on the specific plan letter you are considering.
|Plan G |
|Plan N |
|Cost by County||Financial
|Aetna Health Insurance Company||7.63%||$127.28||$87.63||Cumberland||A|
|Cigna Health Group||2.80%||$126.05||$90.18||Mecklenburg||A|
|Mutual of Omaha||17.10%||$126.39||$92.51||Durham||A+|
|Accendo (CVS and Aetna affiliate)||0.61%||$142.44||$95.96||Buncombe||A|
There are ten standardized Medigap plans in North Carolina, all with the same coverage regardless of your chosen company. Furthermore, there may also be a high deductible Medigap option in some areas.
Many plans do not have specific networks, allowing you to receive care from any provider that accepts Original Medicare. To simplify the process of selecting an insurance provider, compare costs and policyholder satisfaction ratings from each company.
Medigap Cost in North Carolina
Premiums for a North Carolina Medicare Supplement plan can cost as little as $40 or as much as $150 depending on your age and the level of coverage you choose.
|Medigap Plan||Monthly Cost||Cost by County||Enrollment in North Carolina|
|Plan N||$87.63||New Hanover||7%|
|High Deductible G||$40.47||Johnston||1%|
Can Medigap Plans Deny Coverage?
Federal law states Medigap insurance providers can only refuse coverage in specific situations. During your Medigap Open Enrollment Period, you can purchase any Medigap policy available in your state, regardless of your health conditions.
However, if you apply for a Medigap plan outside of this enrollment period, the insurance company can assess your application using medical underwriting to determine if they will accept it and how much they will charge for the policy.
Do Medigap Plans Require Prior Authorization?
Unlike Medicare Advantage plans, Medigap, also known as Medicare Supplement Insurance, does not typically require prior authorization for medical services. However, it’s important to note that while Medigap won’t require prior authorization, the healthcare provider, hospital, or facility providing the service may require it based on Original Medicare’s rules. Always consult with your healthcare provider or insurance company for specific details.
Did You Know?
Tobacco rates are not applicable during Open Enrollment season or in guaranteed issue situations in North Carolina. This allows individuals to secure health insurance coverage without being denied or subjected to higher premiums because of tobacco use.
We have ample experience helping Medicare beneficiaries and acknowledge that an “ideal” Medicare Supplement plan in North Carolina does not exist.
To find the right Medicare Supplement insurance plan, it’s crucial to have a clear understanding of your healthcare needs. We can help you in this journey by providing factual information to help you make an informed decision.
With years of industry experience and a commitment to helping individuals find coverage, our admiration for Blue Cross Blue Shield of NC and Aetna has grown stronger. Clients who choose them tend to remain loyal due to their exceptional service.
In terms of value and efficiency in enrollment, these providers are unrivaled. Moreover, their reputation for prompt claims payment is impeccable.
Frequently Asked Questions
Is there a Medicare Supplement that covers everything?
If you became eligible for Medicare before Jan. 1, 2020, Plan F offers the most comprehensive coverage. If you become eligible after that date, Plan G typically provides more coverage than other options.
How much is Plan G in North Carolina?
North Carolina’s Plan G ranges from about $126 – $189 a month. This rate can vary based on age, gender, zip code, and the insurance provider.
Who has the best Medicare Supplemental insurance in North Carolina?
Cigna and Aetna offer the best Medicare Supplement plan rates in North Carolina.