2026 Medigap Plans in North Carolina: Costs, Carriers, and Plan Options
Medicare Supplement (Medigap) plans in North Carolina offer standardized benefits, but pricing differs across carriers. Based on sample data from 13 insurers, monthly premiums can range from approximately $37 to $1,686, depending on plan type and pricing model. Variations in rating methods and available discounts contribute to these differences.
Medigap plans help cover out-of-pocket costs in Original Medicare, but beneficiaries in North Carolina may also consider Medicare Advantage and prescription drug coverage options. Visit Medicare Options in North Carolina for a broader overview of Medicare coverage available statewide.
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Key Takeaways
- Plan G and Plan N are the most commonly selected Medigap plans in North Carolina.
- Monthly premiums vary significantly by carrier, even for identical coverage.
- Household discounts and pricing models can materially affect premiums.
- Carrier strength (A.M. Best rating) varies across similar price points.
- Medigap benefits are standardized, but pricing and discounts are not.
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Typical Medigap Pricing in North Carolina
In North Carolina, observed Medigap premiums generally fall between $37 and $1,686 per month based on plan type and insurer. Plans with greater cost-sharing, such as Plan K, tend to have lower premiums, while broader coverage options like Plan G are typically priced higher.
Differences Between Plan G and Plan N
For new Medicare beneficiaries, Plan G offers extensive coverage by paying most out-of-pocket costs other than the Part B deductible. Plan N is often priced lower but includes copays for certain visits, which can appeal to individuals seeking a balance between coverage and monthly premiums.
Sample Plan G Pricing in North Carolina
Plan G typically ranges from $100 to $1,507.
| Carrier | Plan | Low | High |
|---|---|---|---|
| AARP - UnitedHealthcare | G | $124 | $828 |
| Aetna | G | $121 | $869 |
| Allstate | G | $101 | $351 |
| Cigna | G | $128 | $1,410 |
Sample Plan N Pricing in North Carolina
Plan N typically ranges from $75 to $717.
| Carrier | Plan | Low | High |
|---|---|---|---|
| AARP - UnitedHealthcare | N | $90 | $717 |
| Aetna | N | $83 | $279 |
| Allstate | N | $76 | $266 |
| Cigna | N | $92 | $477 |
Sample Plan F Pricing in North Carolina
Plan F typically ranges from $75 to $717.
| Carrier | Plan | Low | High |
|---|---|---|---|
| AARP - UnitedHealthcare | F | $160 | $896 |
| Aetna | F | $157 | $1,127 |
| Allstate | F | $121 | $727 |
| Cigna | F | $153 | $1,686 |
Why Medigap Prices Differ by Carrier
Although Medigap benefits are standardized, premiums are set by each insurer. Variations in cost are often influenced by pricing methods, household discounts, and differences in long-term rate trends.
Why Medicare Supplement Prices Vary in North Carolina
- Age-based pricing models (issue-age vs attained-age)
- Household discounts offered by some carriers
- Tobacco rating differences
- Regional variation within Arizona
- Carrier-specific pricing strategies
Bottom Line
Comparing Medigap plans in North Carolina requires separating standardized coverage from carrier-specific pricing. Sample data provides a useful reference point, but actual premiums will vary based on rating factors and the insurer selected.
MedicarePlans.com is an independent informational resource and is not affiliated with or endorsed by the U.S. Government or the federal Medicare program.
Provenance documentation for this data is maintained under the U.S. Core Data for Interoperability (USCDI) Provenance standard, as detailed in our Data sources and methodology documentation.
- Medicare.gov, Find a Medigap policy that works for you — Last accessed May 4, 2026
- NCOA.org, "What Is Medigap and How Does It Work?" — Last accessed May 5, 2026
- Medicare.gov, "Learn what Medigap Covers" — Last accessed May 5, 2026
MedicarePlans.com is an independent informational resource and is not affiliated with or endorsed by the U.S. Government or the federal Medicare program.
Provenance documentation for this data is maintained under the U.S. Core Data for Interoperability (USCDI) Provenance standard, as detailed in our Data sources and methodology documentation.
Page content independently curated and maintained by David W. Bynon, Editorial Steward, using a standardized, data-driven methodology for accurate, non-commercial Medicare plan interpretation and resolution.