How much does Plan G cost in North Carolina in 2026?

In the July 2026 CSG Actuarial snapshot, filed Plan G rates for a 65-year-old in Charlotte ranged from $101.84 to $315.20 per month across 29 carriers — for federally identical coverage. Callers who ask "how much are you paying for that?" are often surprised the answer depends entirely on which of the 29 carriers they picked, not on the coverage itself, since every Plan G covers the exact same services.

Does my Medigap rate go up once I turn 65?

It depends on the carrier. North Carolina does not mandate a single Medigap pricing method: attained-age-rated carriers — the most common type in NC — raise your premium every year as you age, on top of any general rate increase. In the July 2026 filings, the cheapest filed Plan G barely moved from age 65 ($101.84) to age 67 ($101.84), but the most expensive filed Plan G climbed from $315.20 at 65 to $341.00 at 69. Issue-age-rated carriers lock your rate at the age you enroll, so the carrier you choose determines whether your rate rises with age at all.

Is there a network for Medicare Supplement plans in North Carolina?

No. Medicare Supplement plans have no networks. A Plan G or Plan N policy from any licensed North Carolina carrier works with any doctor or hospital in the country that accepts Original Medicare — including Duke University Hospital, Atrium Health, and Novant Health facilities. That's the opposite of a Medicare Advantage plan, which typically requires in-network providers and referrals.

What's the difference between Medicare Advantage and Medicare Supplement in NC?

A Medicare Advantage plan is a private contract with the federal government that replaces Original Medicare and typically uses a provider network with referrals and prior authorizations. A Medicare Supplement (Medigap) plan works alongside Original Medicare, has no network, and pays a fixed share of what Original Medicare doesn't — the tradeoff is a monthly premium instead of plan-set copays. Which one fits depends on how often you travel, which doctors you want to keep, and how much predictability you want in your monthly costs.

What happens if my Medigap application gets denied in North Carolina?

Outside your 6-month federal Medigap Open Enrollment Period (which starts the month you turn 65 and enroll in Part B) or a qualifying guaranteed-issue event, a North Carolina carrier can medically underwrite your application and deny coverage or add a premium surcharge based on your health history. If one carrier declines you, you can still apply with a different carrier — underwriting standards vary, and a decline from one company is not a decline everywhere. This is exactly why comparing multiple carriers matters even more once you're past your Open Enrollment window.

Is there a household discount on North Carolina Medigap plans?

Sometimes. In the July 2026 snapshot, 6 of the 29 North Carolina Plan G carriers offered a household discount worth 11.1% to 20% off the monthly premium — bringing the discounted Plan G as low as $97.09 at age 65. Eligibility rules differ by carrier: some require both spouses to enroll, others only require another adult in the household to hold (or be applying for) Medigap coverage with any carrier. Because the rules vary, this discount is easy to miss going direct to a single insurer.

What's the difference between Plan G and Plan N pricing in North Carolina?

Plan N premiums run meaningfully lower than Plan G from the same carrier — in the July 2026 North Carolina filings, the cheapest filed Plan N at 65 was $78.54, about $23 below the cheapest filed Plan G. Plan N adds small copays (up to $20 per office visit and up to $50 per ER visit) and does not cover Part B excess charges, but is otherwise comparable coverage for a lower monthly premium. Neither Plan G nor Plan N covers the annual Part B deductible ($283).

Does North Carolina charge smokers more for Medigap?

Usually, yes, and North Carolina has no equivalent to the protection New Jersey offers. NJ bars carriers from charging tobacco users more during the six-month Medigap Open Enrollment Period; North Carolina does not. In the July 2026 CSG snapshot, all 38 North Carolina carrier quotes at this profile applied a tobacco surcharge, starting at 10% and averaging roughly 31.6% over the non-tobacco rate, with the steepest filed surcharge reaching 221%. If you use tobacco, the cheapest non-tobacco carrier is often not your cheapest option — which carrier you choose matters even more.

How many carriers offer Medicare Supplement Plan G in North Carolina?

29 carriers returned a filed Plan G quote for a 65-year-old in the July 2026 CSG Actuarial snapshot. Not every carrier offers every plan letter, and carriers can enter or exit the market between filing cycles, which is why a broker who re-pulls all 29 beats a single carrier's website every time.

North Carolina Medicare Supplement Pricing for Ages 65–69 (2026)

By Anthony Orner, Licensed Medicare Insurance Broker

Verified against CSG Actuarial rate filings · Updated 2026-07-12 · Sample ZIP 28202, Charlotte

Medicare Supplement (Medigap) benefits are set by federal law — a Plan G from any licensed North Carolina carrier covers the exact same services as Plan G from any other carrier, at the same doctors and hospitals, with the same claims process. What differs is the monthly premium, the rate-increase history, and the discounts each carrier offers. This page shows the 2026 spread across every licensed carrier in North Carolina for ages 65, 67, and 69.

2026 NC Plan G Spread

$102 to $341/month across 29 carriers

A $239/month gap between the cheapest and most expensive Plan G in North Carolina — for coverage that is federally identical. Over 20 years of Medigap enrollment, that gap compounds into six figures of preventable spending.

Plan G Premium Spread by Age

Plan G is the most comprehensive plan available to anyone newly eligible for Medicare in 2026 — it covers everything Original Medicare leaves behind except the annual Part B deductible ($283). The table below shows the monthly premium spread across every licensed Plan G carrier in North Carolina for ages 65, 67, and 69.

Age	Lowest	Highest	Spread	Carriers
Plan G, age 65	$102/mo	$315/mo	$213/mo	29
Plan G, age 67	$102/mo	$321/mo	$219/mo	29
Plan G, age 69	$104/mo	$341/mo	$237/mo	29

Source: CSG Actuarial rate filings, 2026-07-12. Sample ZIP 28202, Charlotte; your exact quote depends on your own ZIP, age, and health profile.

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Plan N Premium Spread by Age

Plan N trades a lower premium for small copays (up to $20 per office visit and up to $50 per ER visit) and does not cover Part B excess charges. For enrollees who rarely see specialists and whose providers do not charge excess fees, Plan N is frequently the best monthly value in the North Carolina market.

Age	Lowest	Highest	Spread	Carriers
Plan N, age 65	$79/mo	$262/mo	$183/mo	27
Plan N, age 67	$79/mo	$317/mo	$238/mo	27
Plan N, age 69	$80/mo	$348/mo	$268/mo	27

Source: CSG Actuarial rate filings, 2026-07-12. Sample ZIP 28202, Charlotte.

Why the Price Gap Is So Wide in North Carolina

North Carolina does not mandate a single Medigap pricing methodology, and the mix of approaches is the single biggest driver of the premium spread:

Attained-age-rated carriers — the most common in North Carolina — raise your premium every year as you age, on top of general rate increases. These carriers often offer the cheapest Plan G at 65 and a much wider gap by 69: in the July 2026 filings, the highest filed Plan G climbed from $315.20 at age 65 to $341.00 at age 69, while the lowest barely moved.
Issue-age-rated carriers lock your rate at the age you enrolled. Applying at 65 and holding the same plan for 15 years means no age-based premium increases — only general rate adjustments.
Community-rated carriers charge every enrollee the same base rate regardless of age. Older applicants benefit most; the youngest applicants often find these carriers priced higher than age-based alternatives.

Because these methodologies coexist in North Carolina, the 2026 Plan G premium for a single 67-year-old enrollee can differ by more than $200 a month depending solely on which carrier issued the policy. A broker can show you not just today's rates but each carrier's pricing methodology and historical rate-adjustment pattern.

Named-Carrier Filed Rates (Plan G, age 65)

From our published carrier reviews — filed rate, market rank among 29 North Carolina carriers, and each carrier's most recent NC rate filing:

Carrier	Filed Plan G (65)	Market rank	Latest NC filing
Bankers Fidelity	$101.84	1 of 29	+4.9% (2025-08-01)
Insurance Co of North America (Chubb)	$126.19	4 of 29	—
Medico	$128.01	5 of 29	+18.59% (2025-09-01)
WoodmenLife	$152.66	13 of 29	+15% (2026-01-15)
Mutual of Omaha	$184.64	25 of 29	+20% (2026-05-01)

Rank and price change as new filings land — Mutual of Omaha's North Carolina block, for example, filed +25.01% effective April 2025 and then +20% effective May 2026. For the current cheapest carrier at your exact ZIP and age, call us — we quote every filed carrier, not a marketing shortlist.

The Household Discount Most NC Applicants Miss

6 of the licensed NC Plan G carriers offer a household discount, ranging from 11.1% to 20% off the standard monthly premium. Eligibility rules vary by carrier: some require marriage, some accept cohabitation, and some only require another adult in the household to have (or be applying for) Medigap coverage with any carrier.

Because the eligibility rules differ carrier by carrier, this discount is routinely missed by applicants going direct to a single insurer's website. It can change which carrier is actually cheapest for a couple.

Tobacco Rating in North Carolina

Unlike New Jersey — which prohibits tobacco rate differentials during the Medigap Open Enrollment Period — North Carolina carriers routinely file separate tobacco rates. In the current CSG snapshot, 38 of 38 NC carriers quoting this profile apply a tobacco surcharge, starting at 10% and averaging roughly 31.6% over the non-tobacco rate — with the steepest filed surcharge reaching 221%.

The practical takeaway: if you use tobacco, the carrier ranking changes. The cheapest non-tobacco Plan G in North Carolina is often not the cheapest tobacco-rated Plan G, and the difference between carriers' tobacco surcharges can run into hundreds of dollars a year. This is exactly the kind of filing-level detail a single carrier's website will never show you.

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These tables are sample rates. Call to see every licensed carrier at your exact age, your ZIP, with every discount you qualify for.

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North Carolina Medigap Pricing FAQ

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Related NC Medigap guides

Data source & methodology

Premium spreads on this page are pulled from the CSG Actuarial rate-filing database — the same source licensed Medigap brokers use to compare carriers. The snapshot reflects sample-ZIP rates for female applicants, non-tobacco, at ages 65, 67, and 69 in Charlotte. These are sample rates, not your personal quote; call for your ZIP-specific rate.

Anthony Orner, NPN 20586791, 1309 Route 70 West, Cherry Hill, NJ 08002, 855-559-1700, licensed in New Jersey and 34 other states. MedicareYourself (EasyKind Medicare) is an independent brokerage. We are not affiliated with Medicare, CMS, or any insurance carrier.