Medicare Supplement Insurance (Medigap) helps North Carolina seniors and eligible disabled residents cover out-of-pocket healthcare costs not fully paid by Original Medicare, including deductibles, copayments, and coinsurance. Residents of North Carolina may choose from up to 10 standardized Medigap plans: A, B, C, D, F, G, K, L, M, and N.
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Important: Plan F and Plan C are not available to individuals who became eligible for Medicare on or after January 1, 2020.
Most Popular Medigap Plans in North Carolina
| Popularity Ranking | Plan | Total Enrollees |
|---|---|---|
| 1 | F | 223,072 |
| 2 | G | 204,699 |
| 3 | N | 32,239 |
Did you know? North Carolina is a true “battleground” state for Plan F and Plan G. With only about 18,000 enrollees separating them, Plan G is on track to surpass Plan F soon — mirroring the nationwide shift as new beneficiaries turn to Plan G.
How Medigap Pricing Works in North Carolina
Premiums for Medigap coverage may increase differently depending on the rating method insurers use. In North Carolina, insurers may apply one of three models:
- Attained-age rated – Premiums rise as you age.
- Issue-age rated – Premiums are based on your age when purchased and may rise with inflation, not age.
- Community rated – Everyone pays the same premium, regardless of age.
Under-65 Eligibility in North Carolina
North Carolina requires insurers to make Medigap coverage available to beneficiaries under 65 who qualify due to disability or end-stage renal disease (ESRD). However, insurers may charge different premiums to under-65 policyholders compared to those aged 65 and older. During the open enrollment period, all non-seniors must be charged the same premium.
Choosing a Medigap Plan in North Carolina
Plan F continues to have the highest enrollment in North Carolina, though it is closed to new beneficiaries. Plan G is quickly gaining ground and is likely to become the most popular choice in the state. Plan N also provides an affordable alternative with modest cost-sharing. All Medigap policies work nationwide with any provider that accepts Medicare, ensuring North Carolinians have coverage whether they receive care in Raleigh, Charlotte, Asheville, or across the country.
To compare premiums and find Medigap plans available in your ZIP code, visit our Medigap rate comparison page.