Medicare Supplement Plans in North Carolina

Mike Olmos by Mike Olmos | Licensed since 2010

This article was updated on: 11/01/2018

North Carolina is known for the first flight of the Wright brothers in Kitty Hawk, North Carolina. North Carolina is also home to over 1.2 Original Medicare beneficiaries, according to the Centers for Medicare and Medicaid Services.

If you have Original Medicare in North Carolina, you may be eligible for a Medicare Supplement plan in North Carolina. Medicare Supplement (Medigap) plans in North Carolina are offered by private insurance companies and help cover Medicare out-of-pocket costs, such as copayments, coinsurance, and deductibles. Some Medicare Supplement plans also feature out-of-pocket maximums, protecting you from unlimited medical bills.

Who can buy a Medicare Supplement plan in North Carolina?

Anyone with Original Medicare can apply for a Medicare Supplement plan in North Carolina. However, if you are under 65 and qualify for Medicare because of disability, you may only be able to purchase one type of Medicare Supplement plan in North Carolina. In fact, the federal government does not require private insurance companies to sell any Medicare Supplements plans to people under 65. North Carolina is one state that requires insurers to offer at least one kind of Medicare Supplement plan to people under 65.

Insurers that offer Medicare Supplement plans generally can use medical underwriting and consider your health history when deciding whether or not to cover you. The one time you may be immune to medical underwriting is during your Medicare Supplement Open Enrollment Period. This is a 6-month period that begins when you are both 65 of older and enrolled in Medicare Part B. During this time, your health conditions cannot be used against you.

Medicare beneficiaries under 65 generally don’t have Medicare Supplement Open Enrollment Periods.

What do Medicare Supplement plans in North Carolina cover?

There are up to 10 Medicare Supplement plans available in North Carolina, labeled A, B, C, D, F, G, K, L, M and N. The plans are standardized, meaning that plans of the same letter offer the same basic benefits regardless of which company offers them. Medicare Supplement plans in North Carolina cover up to 9 categories of costs, depending on the plan. Most of these costs are Part A (hospital) or Part B (medical) costs.

Part A covered costs can include:

  • Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are used up
  • Part A hospice care coinsurance or copayment
  • Skilled nursing facility care coinsurance
  • Part A deductible

Part B covered costs can include:

  • Part B coinsurance or copayment
  • Part B deductible
  • Part B excess charge

Other covered costs can include:

  • Blood (first 3 pints)
  • Foreign travel exchange (up to plan limits)

Medicare Supplement Plans K & L feature out-of-pocket maximums. This means that after you meet your out-of-pocket yearly limit and your Part B deductible, the plan plays 100% of your covered services for the rest of the calendar year. Medicare Supplement plans in North Carolina generally don’t cover routine dental, routine vision, routine hearing, or prescription drugs.

What else should I know about Medicare Supplement plans in North Carolina?

Medicare Supplement plans in North Carolina cannot be used alongside Medicare Advantage plans.

To find out how much Medicare Supplement plans in North Carolina cost, just enter your ZIP code in the box on this page and click the button. There’s no obligation to buy.

The product and service descriptions, if any, provided on these Web pages are not intended to constitute offers to sell or solicitations in connection with any product or service. All products are not available in all areas and are subject to applicable laws, rules, and regulations.

Mike Olmos |
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