Medicare Supplement Cost in North Carolina

Medicare Supplement Plan G in North Carolina costs approximately $142/month for a 65-year-old non-tobacco user. Plan N averages $113/month. Rates increase with age — at 75, expect $$210/month for Plan G. This is your Medigap premium only; the standard Part B premium ($185/month in 2026) is a separate federal charge.

Plan G is the most popular and generally the best Medigap plan for new Medicare enrollees in North Carolina. It covers everything except the Part B deductible ($240 in 2026), giving you predictable costs year-round. Plan N is an excellent alternative if you're healthy and comfortable with $20 office visit copays — it costs 15–20% less. High-Deductible Plan G offers the lowest premium (~$40/month) but requires paying a $2,800 deductible before benefits kick in — best for very healthy seniors.

North Carolina: Standard 6-month open enrollment at 65 (federal rules). NC SHIIP provides free Medigap counseling — 1-855-408-1212; one of the most active state SHIP programs

Medicare Supplement works with Original Medicare — giving you access to any doctor or hospital that accepts Medicare nationwide with predictable costs. Medicare Advantage (Part C) often has $0 premium but uses HMO/PPO networks and has out-of-pocket maximums of $4,000–$8,300/year. Supplement is better for: those with frequent health needs, travelers, people who want any doctor/hospital. Advantage is better for: healthy seniors in strong-network areas who want low monthly costs and don't mind network restrictions.

North Carolina Medigap plans typically use attained-age pricing — premiums increase as you get older. A Plan G policyholder paying $142/month at 65 can expect to pay approximately $256/month at age 80. Beyond comparing today's premium, check each insurer's track record for annual rate increases — some carriers consistently raise rates 5–8%/year while others are more stable.