What Are the Best Medicare Supplement Plans in North Carolina? (2025)
Compare Medicare Plans in Your Area
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 complete coverage available.
If you want a cheaper monthly rate, consider Plan N from Aetna. Plan N's coverage 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 picking 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 company 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 $135 per month. The company also has a strong reputation for customer satisfaction. That means you'll likely have fewer difficulties when you make a claim.
Blue Cross Blue Shield (BCBS) of North Carolina also stands out for its low rates, and it's the most popular Medigap company in the state.
In North Carolina, Blue Cross Blue Shield has a fairly average reputation for customer satisfaction. If that is a concern, you should look at companies that offer better service like Mutual of Omaha or AARP/UnitedHealthcare.
Company | Plan G monthly rates |
Customer satisfaction
|
|---|---|---|
| Mutual of Omaha | $135 | 4.5 |
| Aetna | $121 | 4.0 |
| AARP/UHC | $128 | 4.0 |
| BCBS of NC | $116 | 3.0 |
| USAA | $150 | 3.0 |
| Cigna | $128 | 2.5 |
All rates are for a 65-year-old female nonsmoker.
When shopping for a Medicare Supplement plan, remember companies offer multiple plan options, 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 has the same coverage regardless of the company you buy the plan through. That means you should look at customer satisfaction rates and prices when shopping for Medigap plans.
It's also important to remember: 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 prices.
Best overall: Mutual of Omaha
Average monthly cost of Mutual of Omaha Medigap in North Carolina:
- Plan F: $153
- Plan G: $123
- Plan N: $90
- Plan A: $109
- High-deductible Plan G: $36
Mutual of Omaha plans in North Carolina combine high-quality customer service with affordable rates. You can save 10% off the state average for a Plan G policy, the most popular Medigap plan for new enrollees in North Carolina. The company also gets significantly fewer complaints than an average insurance company its size.
Mutual of Omaha doesn't offer plans B, C, K, L and M. However, these plans account for less than 5% of all Medigap policies sold in North Carolina. Mutual of Omaha also offers a high-deductible plan G that lets you save a considerable amount on monthly rates in exchange for higher upfront costs when you need medical care.
The company also offers a 12% household discount. All Mutual of Omaha Medigap plans also come with extra wellness benefits, such as discounts on massages, acupuncture and gyms.
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: $116
- Plan N: $102
- Plan K: $80
- Plan A: $128
- 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 $116 a month.
In addition to its low rates, BCBS offers many benefits. Blue Cross Blue Shield members get discounts for gym memberships, dental, vision, hearing exams and more.
Blue Cross Blue Shield of North Carolina has a good reputation for customer service.
The company gets significantly fewer complaints than an average Medigap company its size.
Blue Cross Blue Shield lets you switch Medigap plans without 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 F: $157
- Plan G: $121
- Plan N: $83
- Plan B: $134
- Plan A: $110
- High-deductible Plan G: $44
At just $83 per month, on average, Aetna offers the cheapest Plan N Medigap policy in North Carolina. You can save $19 per month on your health insurance rates compared to the state average.
With Plan N, you get most of the same coverage that Plan G offers. The only difference is that you have to pay $20 when you go to the doctor and $50 when you visit the emergency room with Plan N.
Plus, you're responsible for paying the difference between what Medicare agrees to pay for a specific service and what your doctor charges for the service, called an excess charge. 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 doctors are not allowed to make them.
Aetna gets 32% fewer complaints than an average company its size. Consider a Medigap Plan N from Aetna if you want a combination of good customer service and cheap rates.
How much does a Medigap plan cost in North Carolina?
The average cost of a North Carolina Plan G monthly rate is $135, and the average cost of a Plan F policy is $170. 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 G | $135 | 45% |
| Plan F | $170 | 42% |
| Plan N | $102 | 7% |
| Plan J | N/A | 3% |
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 small Medicare Part B deductible.
Otherwise, both plans pay for 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 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 $135 per month. Blue Cross Blue Shield of North Carolina is the cheapest option, at $116 a month, while Mutual of Omaha charges $123 per month and offers better customer service.
What are the best Medicare Supplement plans in North Carolina?
Plans G, F and N are the most popular Medicare Supplement plans in North Carolina. All three plans offer high levels of coverage. However, you can only get Plan F if you became eligible for Medicare before Jan. 1, 2020.
How much does supplemental Medicare insurance cost in North Carolina?
In North Carolina, Supplemental Medicare insurance has average monthly costs between $39 and $234 depending on the plan letter. High-deductible Plan G policies cost just $39 a month on average, making them the cheapest plans in North Carolina.
Sources and methodology
Rates were gathered using comprehensive cost data for 2025 plans from all Medigap plan companies in the state of North Carolina. 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. Companies in our analysis were chosen based on market share. Market share data came from the NAIC's 2022 Medicare Supplement Loss Ratios report.
Additionally, NAIC complaint information was used to compare how many complaints a company gets relative to its market share.
Customer satisfaction scores are out of 5 points and based on NAIC information. A score of 1.0 indicates the company has over three times as many complaints as a similar-sized company, while a score of 5.0 means the organization gets less than a quarter of the complaints of an average business 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 |
| 4.5 | 50% to 75% fewer complaints than typical |
| 4.0 | 25% to 50% fewer complaints than typical |
| 3.5 | 0% to 25% fewer complaints than typical |
| 3.0 | An average rate of complaints |
| 2.5 | 0% to 50% more complaints than typical |
| 2.0 | 50% to 100% more complaints than typical |
| 1.5 | 100% to 250% more complaints than typical |
| 1.0 | Over 250% more complaints than typical |
ValuePenguin.com is owned and operated by LendingTree, LLC ("LendingTree"). All rights reserved.
Invitations for application for insurance may be made through QW Insurance Solutions, LLC ("QWIS"), a separate subsidiary of QuoteWizard, LLC ("QuoteWizard"), a LendingTree subsidiary, or through its designated agents, only where licensed and appointed. QWIS is a non-government licensed health insurance agency and is not affiliated with or endorsed by any government agency. Find licensing information for QWIS.
Callers 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 will be routed to a licensed insurance agent who can provide you with further information about the insurance plans offered by one or more nationally recognized insurance companies. 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. We do not offer every plan available in your area. Currently we represent 73 organizations that offer 5,110 products in your area. Contact Medicare.gov or 1-800-MEDICARE, or your local State Health Insurance Program (SHIP), to get information on all of your options.
These numbers provided are not specific to your area, but rather represent the number of organizations and the number of products available on a national basis. We will connect you with licensed insurance agents who can provide information about the number of organizations they represent and the number of products they offer in your service area. Not all plans offer all of these benefits. Benefits may vary by carrier and location. Limitations and exclusions may apply.
Medicare has neither reviewed nor endorsed the information contained on this website.
Medicare supplement insurance is available to people age 65 or 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.
Medicare Advantage and Part D plans and benefits are offered by these carriers: Aetna Medicare, Anthem Blue Cross Blue Shield, Anthem Blue Cross, Aspire Health Plan, Cigna Healthcare, Dean Health Plan, Devoted Health, Florida Blue Medicare, GlobalHealth, Health Care Service Corporation, Healthy Blue, Humana, Molina Healthcare, Mutual of Omaha, Premera Blue Cross, Medica Central Health Plan, SCAN Health Plan, Baylor Scott & White Health Plan, Simply, UnitedHealthcare, Wellcare and WellPoint.
MULTIPLAN_QW.VP.WEB_C
Editorial Note: We are committed to providing accurate content that helps you make informed financial decisions. Our partners have not endorsed or commissioned this content.