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Medicare Supplement insurance 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 may 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 insurance plans come in ten standardized plan choices, all labeled by the letters A through N.
When should you sign up for a Medicare Supplement insurance 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 insurance 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 insurance plan in North Carolina after your OEP you may be required to submit a health background for medical underwriting, and might be charged a higher monthly premium, be restricted due to pre-existing conditions*, or even denied coverage.
As noted, all same-lettered Medicare Supplement insurance 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 insurance 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.
*Pre-existing conditions are generally health conditions that existed before the start of a policy. They may limit coverage, be excluded from coverage, or even prevent you from being approved for a policy; however, the exact definition and relevant limitations or exclusions of coverage will vary with each plan, so check a specific plan’s official plan documents to understand how that plan handles pre-existing conditions.
eHealth's Medicare website is operated by eHealthInsurance Services, Inc., a licensed health insurance agency doing business as eHealth. The purpose of this site is the solicitation of insurance. Contact may be made by an insurance agent/producer or insurance company. eHealth and Medicare supplement insurance plans are not connected with or endorsed by the U.S. government or the federal Medicare program. We offer plans from a number of insurance companies.