Over 450,000 people in North Carolina have Medicare Supplement Insurance, or Medigap. Medigap plans help cover certain out-of-pocket expenses like copays, coinsurance and deductibles left over after Medicare pays for covered services.
Many companies offer Medigap plans, but only a few get top marks on NerdWallet’s data-driven ratings. We compared companies based on prices, complaint rates and more to find the best Medigap plans in North Carolina.
45+ Medicare companies and brands analyzed by our team of experts.
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Compare the best Medicare Supplement plans in NC
Insurance company | NerdWallet rating | Plan types offered | NAIC complaint rate | Annual price increases | Learn more |
|---|---|---|---|---|---|
BEST OVERALL | |||||
 (855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.orgon NerdWallet | 5.0/5 | A, C, D, F, G and N | Far fewer than expected | Lower than average | (855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.orgon NerdWallet |
BEST FOR LOW PRICES | |||||
 (855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.orgon NerdWallet | 4.5/5 | A, F, G and N | Far more than expected | Lower than average | (855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.orgon NerdWallet |
BEST FOR PLAN AVAILABILITY | |||||
 (855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.orgon NerdWallet | 4.3/5 | A, B, C, F, G, K, L and N | Fewer than expected | Higher than average | (855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.orgon NerdWallet |
 (855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.orgon NerdWallet | 4.1/5 | A, F, G and N | Close to expected | Higher than average | (855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.orgon NerdWallet |
Top-rated Medicare Supplement plans in North Carolina
More Nerdy Perspective
Who offers the best Medicare Supplement plans in North Carolina?
Five Medicare Supplement Insurance companies in North Carolina earned at least 4 out of 5 stars on NerdWallet’s Medigap scoring system: • State Farm: 5 stars.
• HealthSpring: 4.5 stars.
• AARP: 4.3 stars.
• Wellabe: 4.1 stars.
• Mutual of Omaha: 4 stars. That’s based on my analysis of pricing, complaint rates, online quote availability and more.
Five Medicare Supplement Insurance companies in North Carolina earned at least 4 out of 5 stars on NerdWallet’s Medigap scoring system: • State Farm: 5 stars.
• HealthSpring: 4.5 stars.
• AARP: 4.3 stars.
• Wellabe: 4.1 stars.
• Mutual of Omaha: 4 stars. That’s based on my analysis of pricing, complaint rates, online quote availability and more.
Alex Rosenberglead writer covering MedicareWe can’t review every Medigap company, and a company not among our top rankings might be a great fit for you. It’s a good idea to do your research, compare multiple quotes and consider working with a licensed insurance agent for more personalized recommendations.
Medicare Supplement Insurance prices in North Carolina
Here are sample prices from our top-scoring companies in North Carolina.
The table below shows companies’ lowest premiums offered in Greensboro, North Carolina, according to data from the Centers for Medicare & Medicaid Services.
Company | Plan G monthly premiums | Plan N monthly premiums |
|---|---|---|
Wellabe | $113. | $83. |
AARP/UnitedHealthcare | $146. | $111. |
HealthSpring | $150. | $109. |
Mutual of Omaha | $162. | $105. |
State Farm | $177. | $134. |
Rates shown are for a 65-year-old female nonsmoker and include any available household discounts. (Note: Some Medigap prices may be higher for males.)
For reference, here are the lowest prices on file from any company in the same location:
Medigap Plan G: $113 per month.
Medigap Plan N: $83 per month.
Largest Medicare Supplement Insurance companies in North Carolina
The government regulates Medigap plans, but private insurance companies sell them. Here are the five Medicare Supplement Insurance companies with the most members in North Carolina as of the end of 2024:
Most popular Medicare Supplement Insurance plan types in North Carolina
There are 10 standard Medigap plan types available in North Carolina (Plan C and Plan F aren’t available for new Medicare members). However, 95% of Medigap members in North Carolina are in one of the three most popular types.
Here are North Carolina’s top three most popular Medicare Supplement Insurance plan types:
53% have Medigap Plan G — the highest-coverage option available to new Medicare members.
36% have Medigap Plan F — the most comprehensive coverage of any Medigap plan.
7% have Medigap Plan N — a plan with lower premiums but higher copays.
» MORE: Medigap Plan N vs. Plan G
Medigap Plan F isn’t available to Medicare beneficiaries who became eligible for Medicare on or after Jan. 1, 2020. Medigap Plan G is the most similar option available to all Medicare beneficiaries.
Medicare resources in North Carolina
Medicare and Seniors' Health Insurance Information Program (SHIIP): Provides free, confidential information and counseling about Medicare and related health insurance subjects for North Carolina residents.
North Carolina Division of Aging: Administers community-based services and resources for older adults in North Carolina.
North Carolina Area Agencies on Aging: Facilitate local and regional programs to provide information and serve the needs of older North Carolina residents.
Find the right Medicare Supplement Insurance plan
Because Medigap plans are standardized, you can get precisely the same Medicare benefits from any company. So when you shop, keep these considerations in mind to find the best policy to fit your needs:
Is your preferred plan available? Health insurance companies don’t always sell every plan, so check who sells the plan you want to buy in your area.
What are the premiums? Prices for the same plan can vary between companies, so check to find the most competitive rates.
Will your premiums change over time? Most policies cost more as you age, but some companies offer policies that let you lock in a price when you sign up.
Are there extras? Medigap plans’ core benefits are standardized. But in certain cases, some companies include such perks as discount programs or gym memberships.
If you have additional questions about Medicare, visit Medicare.gov or call 800-MEDICARE (800-633-4227, TTY 877-486-2048).
NerdWallet writers are subject matter authorities who use primary, trustworthy sources to inform their work, including peer-reviewed studies, government websites, academic research and interviews with industry experts. All content is fact-checked for accuracy, timeliness and relevance. You can learn more about NerdWallet's high standards for journalism by reading our editorial guidelines.
- 1.AHIP. The State of Medicare Supplement Coverage. Accessed Aug 13, 2026.
- 2.Centers for Medicare & Medicaid Services. Find a Medigap Policy That Works For You. Accessed Aug 13, 2026.
- 3.National Association of Insurance Commissioners. 2024 Medicare Supplement Loss Ratios. Accessed Aug 13, 2026.
Medicare Supplement Insurance ratings methodology
NerdWallet’s Medicare Supplement Insurance (Medigap) ratings are based on pricing, discounts, plan types offered, complaint data from the National Association of Insurance Commissioners, consumer experience, additional perks and benefits, and more. To calculate each health insurance company's rating, we adjusted the scores to a curved 5-point scale, rounded to the nearest half star.
NerdWallet reviewed 13 Medicare Supplement Insurance companies based on highest enrollment and greatest online search volume. We review companies covering nearly 87% of all Medigap beneficiaries in the United States. At the state level, our research includes the two largest Medigap insurance companies in 45 out of 50 states, plus Washington, D.C. We cover at least one of the two largest Medigap companies in every state.
These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best coverage and rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines and full ratings methodology for Medicare Supplement Insurance.
Insurer complaints methodology
We examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners. To assess how insurers compare to one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, we calculated a similar index for each insurance company, weighted by market shares of each subsidiary. We score companies based on this index of how many complaints the company receives relative to its market share. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
This roundup includes only insurance companies that sell Medicare Supplement Insurance in North Carolina.