Medicare, the United States’ federally sponsored health insurance program for older adults and those with disabilities, covers medical expenses for eligible participants. At the beginning of 2022, more than 2 million North Carolina citizens were registered with Medicare. 84% of Medicare enrollees were aged 65 and over, indicating that practically every senior in the state was enrolled. The average annual spending per Medicare enrollee for fee-for-service coverage was $15,670, and for Medicare Advantage, it was $11,809. In this blog, you’ll learn more about Medicare plans in North Carolina and how to choose the right plan.

Medicare in North Carolina: Details

The CMS provided the following Medicare trends in North Carolina for the 2022 plan year:

  • 2,065,612 people living in North Carolina were registered in Medicare as of the third quarter of 2021.
  • North Carolina’s average monthly cost for Medicare Advantage plans dropped from $16.51 in 2021 to $15.22 in 2022.
  • As of 2022, North Carolina residents can choose from one of 145 Medicare Advantage plans, a significant increase from the 126 choices offered in 2021.
  • Medicare recipients in North Carolina can select from various Medicare Advantage plans, including those with zero monthly costs to beneficiaries.
  • North Carolina’s Medicare beneficiaries can choose from 32 different standalone Part D plans in 2022, up from 28 in 2021.
  • If you live in North Carolina and are enrolled in a standalone Medicare Part D plan, you can enroll in a plan with a lower monthly cost starting in 2022.
  • In 2022, 12 unique Medigap plans will be provided in North Carolina.

Medicare plans in North Carolina.

Let’s dive into the right medicare plans in North Carolina.

Original Medicare plans in North Carolina

It’s possible to enroll in Original Medicare, the federal health program administered by the CMS, in any state, including North Carolina. Part A of Original Medicare covers hospitals, and Part B covers physicians and other medical professionals (medical insurance). Also, in North Carolina, as everywhere, you qualify for Medicare if you:

  • If you’re 65 or older
  • You were born in the US or have lived there legally for at least five years in a row.
  • You get disability benefits. Or if you have amyotrophic lateral sclerosis

End-stage renal disease patients may be eligible for Medicare benefits before age 65; however, they must enroll in the program on their own through the Social Security Administration.

Medicare Advantage Plans in North Carolina 2022

Medicare Advantage (Part C) plans should cover at least as many benefits as Original Medicare. Still, they may include additional benefits, such as routine dental or eye care, hearing aids, and prescription drugs. Medicare Part C plans are offered by commercial insurance companies that Medicare has approved.

Furthermore, several possibilities may be open to you, depending on your location. Options for Medicare Advantage plans vary by region. However, depending on your area’s specifics, you may be able to choose from the following:

Options for Medicare Advantage plans
  • HMO plans are health insurance policies that operate on a managed-care model by restricting your access to non-participating doctors and hospitals (except emergency care). Your primary care physician will provide a referral if you require specialized care.
  • Another type of managed care plan is the Preferred Provider Organization (PPO) plan, which allows for greater choice in doctors. Choose a doctor from the plan’s preferred provider network to receive the affordable cost sharing, or see a doctor outside the network to incur higher copayments. With a PPO, you won’t need to see a PCP or get a referral to see a specialist.
  • Special Needs Plans (SNPs) are designed for people who receive government assistance and have special medical requirements, such as those who are institutionalized (in a nursing home) or suffer from a chronic condition. The benefits of a Special Needs Plan, such as its network of providers or its ability to coordinate care, are tailored to its members’ specific health care requirements.
  • Plans with a Medicare Savings Account (MSA) combine a high-deductible health insurance policy with personal savings account for Medicare-related medical expenses. Your plan will set aside a fixed amount of money each year in an account you can use to pay for Medicare-covered medical expenses before you hit your deductible.
  • Fee-for-service (PFFS) private health insurance plans are “pay as you go” (PFFS) and don’t restrict your choice of doctors or hospitals; rather, you can see anybody willing to treat you under the plan’s guidelines and terms. On an individual basis, you will need to locate medical professionals and facilities willing to enter into contracts with the plan.

North Carolina Medicare Advantage prescription drug plans

Medicare recipients in North Carolina who are interested in Medicare Part D drug coverage can join a Medicare Advantage Prescription Drug plan. In addition, Advantage programs combine the advantages of Medicare Parts A and B with those of Part D into a single package.

Be important to verify that the Medicare Advantage plan choice you are considering includes Medicare Part D benefits, as not all Medicare Advantage plans in North Carolina cover prescription medicines.

Eligibility & Enrollment in Medicare Advantage Plans in North Carolina

In North Carolina, older adults aged 65 and up can sign up for Medicare Advantage. Also, you are eligible for Medicare in North Carolina if you are a permanent resident or a US citizen.

Adults under 65 may also be Medicare-eligible in specific cases. Social Security disability beneficiaries under 65 who meet other Medicare eligibility requirements are also eligible to enroll in the program. Adults in North Carolina who have an end-stage renal illness or amyotrophic lateral sclerosis are among those who qualify for Medicare.

Affordable Medicare Advantage Plans in North Carolina 

The government runs original Medicare, and the costs of these plans are set.

Most people do not have to pay for Medicare Part A. If you have worked for at least 10 years (40 quarters) and paid Medicare taxes, you are eligible for Medicare Part A without a premium. Medicare Part A costs $274 per month if you’ve worked 30 to 39 quarters and $499 if you’ve worked fewer than 30 quarters in 2022.

Similarly to Original Medicare, Part B of Medicare carries regular fees. In 2022, the regular premium for Part B will be $170.10. You won’t just be responsible for the monthly premiums; other costs will also be involved, like deductibles, coinsurance, and copayments.

Different rules apply to Medicare Advantage programs. These plans are provided by private insurance providers, who also choose their fees. Since then, you can compare plans and prices until you discover one that works. With a Part C plan, you can get the same or equivalent coverage at a cheaper cost, plus the added benefit of a locally-based plan tailored to your needs.

In North Carolina, a Medicare Advantage plan which comprises prescription drug coverage, costs an average of $24 monthly.

If we compare it to the national average of $33 per month, you can see that you’d be saving $27 per month by choosing this option. Additionally, most locals have access to Medicare Advantage plans that cost nothing, providing options for low-cost coverage that don’t add anything to the base rate for Medicare Part B.

HealthTeam Advantage and Blue Cross Blue Shield offer top-rated Medicare Advantage plans in North Carolina. These providers are highly regarded, regularly receiving 4.5 or 5-star reviews.

Alignment Health Plan and Experience Health, the two affordable firms in the state, offer zero-dollar plans. Humana and AARP/UnitedHealthcare, two of the largest national insurers, are widely available across North Carolina.

Get in touch with a NewMedicare insurance representative to learn about Medicare Advantage plans available in your area and to get quotes on monthly premiums and out-of-pocket expenditures.

Medicare Supplement Plans in North Carolina

People searching for the maximum coverage with the fewest limits should look into North Carolina Medicare Supplement plans. Each of the 12 Medicare Supplement policies is tailored to specific needs and costs.

It is possible to join a Medicare Supplement plan in North Carolina if you are a recipient of Original Medicare. When Original Medicare (Parts A and B) doesn’t cover everything, a Medigap policy might help fill in the gaps. Many North Carolina Medicare recipients purchase supplemental insurance if something unexpected happens to their primary Medicare coverage.

In North Carolina, if you sign up for a Medicare Supplement plan, you’ll have access to all healthcare providers who accept Original Medicare. You can’t be turned down for care because of who your insurance company is.

We’re talking about over 2 million Medicare recipients in the Tar Heel State. Approximately 55% of these individuals have opted to join Original Medicare. So they can join a Medicare Supplement program. A Medicare Supplement plan could be the right choice for you if you fall into one of these categories of recipients.

What is the Top rated medicare supplement plan in north Carolina?

Medicare supplemental insurance plans in North Carolina are on par with the nation’s top programs. The top Medigap plans are:

  • Plan F Medicare Supplement
  • Medicare Supplement Plan G
  • Plan N Medicare Supplement
Medicare Plan F in North Carolina

Plan F is the most extensive Medicare Supplement plan. However, not all Medicare recipients are qualified for it. After January 1, 2020, Medigap Plan F will no longer be available to anyone who enrolled in Original Medicare on or before that date. Plan F is not available for enrollment to new Medicare enrollees since they do not meet the requirements to do so. With Medigap Plan F, you’ll just be responsible for your monthly payment. Medigap Plan F provides immediate and permanent coverage for all out-of-pocket expenses.

Medicare Plan G in North Carolina

If you do not qualify for Plan F but want comprehensive coverage, you have other options. Plan G is the second-most comprehensive Medicare Supplement policy and is accessible to all Medicare recipients upon their initial eligibility for Original Medicare. As a result of its affordable monthly costs, Medigap Plan G has become increasingly popular among people who are already enrolled in Medicare Supplement Plan F. Plan G excludes just the Medicare Part B deductible from its coverage. Therefore, after the deductible is paid, full coverage is reinstated.

Medicare Plan N in North Carolina

Medicare Supplement Plan N is well-liked due to its inexpensive premium and low rate of rate rises. However, you should not mind shelling out $20 – $50 for unexpected medical expenses. However, if you go to a doctor who does not accept Medicare, you may have to pay more out of pocket. This is because excess charges are not legal in all states.

You should discuss Medicare assignments with your doctor before getting medical care in North Carolina because the state permits excess charges. Coverage received in a state that does not permit excess charges will not result in additional fees. Even in states where such fees are legal, they are extremely unusual.

Affordable Medicare Supplement Plans in North Carolina

It’s crucial to comprehend the components contributing to your monthly price for a Medicare Supplement policy. A person’s premiums in North Carolina may vary depending on factors such as age, health, and even where they live, even if the coverage is the same, no matter what state you’re in.

North Carolina’s Affordable Medicare Supplement Letter Plan Premium

Following are estimates for a 65-year-old female Raleigh, North Carolina resident.

Plan A B C D F G K L M N
Premium $93 $113 $194 $178 $125 $102 $51 $82 $72 $76

Medicare Part D Plans in North Carolina

Plans under Medicare Part D are intended to bridge the gap between Original Medicare and any remaining out-of-pocket expenses for persons with extensive medical needs. Medicare Part D (or PDP) in North Carolina is a medication policy that can assist you in paying for the high cost of prescription drugs. This may seem like a no-brainer, but the cost and availability of Medicare Part D prescription insurance in North Carolina vary from county to county. Medicare Part D in North Carolina is structured into “tiers,” with different drug categories and associated fees for each tier. In other words, the cost of the medication you require may differ depending on which tier or group of tiers you fall under. In other cases, the price may go up or down or even be completely unaffordable. Those who use multiple medications regularly may find it difficult to decide on a single prescription drug coverage plan. We here at NewMedicare can help you choose the Medicare Part D North Carolina prescription insurance plan that is right for you.

What is the cost of Medicare in North Carolina?

  • Original Medicare: The monthly Part A premium for Original Medicare can be anywhere from zero dollars to $499. A yearly Part A hospital deductible of $1,556 for Medicare recipients. The typical monthly premium for Medicare Part B is $170.10. You must pay a $233 deductible to qualify for Part B coverage.
  • Medicare Advantage Plans: In 2022, a Medicare Advantage Plan in North Carolina will typically cost its subscribers $15.22 a month. The monthly cost of certain plans is nothing.
  • Part D plans: The cheapest Medicare Supplement Plan D premium I could find was $7 per month.
  • Medigap plans: A 65-year-old nonsmoking female in Raleigh should expect to pay between $96 and $302 for Plan G, the affordable-priced Medigap plan available in the city.

Medicare in North Carolina by the Numbers

Original Medicare beneficiaries Average plan cost Annual North Carolina expenditures per recipient Expenditures per recipient relative to the national average
1,218,906 Part A: $0 to $499 per month*


Part B: $170.10 **

$9,795 5% less

Bottom Line

All in all, more than 2 million residents of North Carolina are registered in Medicare, and the number of available plans is expanding. In North Carolina, over 170 private insurance providers are offering various Medicare Advantage and Medigap plans in 2022. Moreover, North Carolina Medicare Advantage plan premiums have been reduced overall for 2022.

Reach out Today at NewMedicare, and get your quotes now!