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Medicare Supplement Plans in North Carolina
More details about Medicare Supplement plans in North Carolina
Medicare Supplement plans in North Carolina are additional options available to North Carolina residents who are enrolled in Original Medicare (Part A and Part B). These plans can help fill in the gaps in Original Medicare coverage, such as copayments, coinsurance, and deductible costs. In most states, and including North Carolina, Medicare Supplement plans come in ten standardized plan choices, all labeled by the letters A through N.
When should you sign up for a Medicare Supplement plan in North Carolina? The best time to enroll is during the six-month period called the Medigap Open Enrollment Period (OEP). This period begins when you are both age 65 or older and are enrolled in Medicare Part B. Medicare beneficiaries can enroll in a plan during this time without being subjected to medical underwriting. This means that an insurance company offering Medicare Supplement plans in North Carolina cannot deny you coverage completely, or restrict plan availability for medical reasons.
However, should you wish to enroll in a Medicare Supplement plan in North Carolina after your OEP you may be required to submit a health background for medical underwriting, and could be charged a higher monthly premium, be restricted due to pre-existing conditions, or even denied coverage.
Comparing Medicare Supplement plans in North Carolina
As noted, all same-lettered Medicare Supplement plans in North Carolina are standardized and do not vary in benefits between each insurer. However, each insurance company offering Medigap plans may charge a different cost depending on their monthly premium structure. Thus it is important to determine what Medigap plans are available, and make a selection based on your budgetary needs.
If you wish to start comparing Medicare Supplement plans in North Carolina today, enter your zip code above and we will display a list of Medigap plans available to you in your area.