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

$101.84 to $315.20 a month for a 65-year-old in Charlotte, across 29 carriers (CSG Actuarial filed rates, 2026-07-12). The question I hear most on North Carolina calls is "how much are you paying for that?" The answer tells me which carrier someone picked, not what coverage they bought. Every Plan G pays the same claims.

Does my Medigap rate go up after 65 in North Carolina?

It depends on the carrier's rating method, and North Carolina lets each carrier choose. Attained-age carriers, most of the NC field, raise the premium every birthday on top of general increases: the highest filed Plan G here goes from $315.20 at 65 to $341.00 at 69. Issue-age carriers freeze the age factor at enrollment, and the cheapest filed Plan G shows $101.84 at 65 and $101.84 at 67. Ask which method a carrier uses before you compare two prices.

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

No. Medigap has no network anywhere in the country. Duke Health, Atrium Health, Novant Health, UNC Health, and any other provider that accepts Original Medicare accepts a North Carolina Plan G or Plan N. Referrals and prior authorizations belong to Medicare Advantage, not to Medigap.

What is the difference between Medicare Advantage and a Medicare Supplement in NC?

Medicare Advantage replaces Original Medicare with a private plan that has a network, referrals, and a yearly out-of-pocket maximum; the premium is usually low and the costs land when you use care. A Medicare Supplement keeps Original Medicare, adds a monthly premium ($101.84 and up for Plan G at 65 in NC), and removes most bills at the point of care. People who winter in Florida or see doctors in more than one hospital system lean Medigap. People who want a $0 premium and stay local lean Advantage.

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

Inside the six-month Medigap open enrollment window, which starts the month you are 65 and enrolled in Part B, no North Carolina carrier can turn you down or add a health surcharge. Outside that window, unless a federal guaranteed-issue event applies, carriers underwrite. A decline from one carrier is not a decline from all 29. The health questions differ company to company, and part of a broker's job is knowing which carrier takes which condition.

How does Plan N pricing compare with Plan G in North Carolina?

The cheapest filed Plan N at 65 in NC is $78.54, against $101.84 for Plan G: $23.30 a month, about $280 a year. Plan N asks for copays of up to $20 at the office and up to $50 at the emergency room, and it leaves you exposed to Part B excess charges. Neither plan covers the Part B deductible ($283).

Does North Carolina charge smokers more for Medigap?

Usually, yes. In the 2026-07-12 snapshot, 38 of 38 NC carriers quoting this profile applied a tobacco surcharge, from 10% to 221%, averaging about 31.6%. New Jersey blocks that surcharge during open enrollment; North Carolina does not. If you use tobacco, ask to be quoted on the tobacco tables from the start.

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

29 carriers returned a filed Plan G quote for a 65-year-old in the 2026-07-12 CSG snapshot. Carriers enter and leave between filing cycles, so the count and the ranking both move.

Where can I get free Medicare counseling in North Carolina?

SHIIP, the Seniors' Health Insurance Information Program run by the North Carolina Department of Insurance, counsels for free and sells nothing. A broker is the other route: we quote and enroll you across every carrier at no charge to you, paid by the carrier you pick. Use both if you want a second opinion.

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

Q: Is there a household discount on North Carolina Medigap plans?

6 of the NC Plan G carriers file one, worth 11.1% to 20% off the premium, which puts the lowest discounted Plan G at 65 at $97.09. The rules are carrier-specific: some want a spouse on the same carrier, some accept any adult in the home who holds a Medigap policy from anyone. For a couple, the discount can move a carrier from third-cheapest to first, so we quote it both ways.

By Anthony Orner, Licensed Medicare Insurance Broker

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

29 carriers quoted Plan G for a 65-year-old in Charlotte in the 2026-07-12 CSG snapshot. Every one of those policies pays the same claims. The premiums do not match. This page shows the filed spread at 65, 67, and 69, which carriers sit where, and the two North Carolina habits that change the answer for a lot of callers: tobacco rating and the household discount.

2026 NC Plan G Spread

$102 to $341/month across 29 carriers

$239 a month separates the cheapest filed Plan G in North Carolina from the most expensive one, for a policy that pays identical claims. Over 20 years that gap alone is roughly $57,360, before a single rate increase.

Plan G Premium Spread by Age

Plan G pays everything Original Medicare leaves behind except the Part B deductible ($283 in 2026). Since 2020 it is the fullest plan a new enrollee can buy. Each row is the cheapest and the most expensive filed carrier at that age; the spread column is what picking the wrong one costs per month.

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, female, non-tobacco. Your quote depends on your ZIP, age, and tobacco use.

What the table cannot show you

Which of the 29 carriers is cheapest at your ZIP and age, and which ones raised rates last year. That takes one call. Carriers pay the broker; the price you pay is the same either way.

Call for NC Carrier Comparison — 855-559-1700

Plan N Premium Spread by Age

Plan N is the same policy with two cost-sharing edges: a copay of up to $20 for an office visit and up to $50 for an emergency room visit, and no coverage for Part B excess charges. In North Carolina the cheapest filed Plan N at 65 is $78.54, which is $23.30 a month under the cheapest Plan G, about $280 a year. Four office visits a year is $80 in copays against that.

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. Same sample profile as Plan G.

Why the Gap Is This Wide in North Carolina

Two things. The first is rating method. North Carolina lets a carrier price by attained age, issue age, or community rate, and the three methods produce different curves from the same starting point. You can see it in the table: the highest filed Plan G climbs from $315.20 at 65 to $341.00 at 69, while the cheapest filed carrier does not move between 65 and 67.

The second is the size of the field. With 29 carriers filing, a few are new blocks priced low to win business, and a few are older blocks priced to the claims of the people already in them. The carrier that is cheapest for a 65-year-old today is often not the carrier that stays cheapest, which is why the filing history matters as much as the price.

A broker can read you both: the filed rate, and what that carrier did to its North Carolina block in the last two filings.

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

Filed rate, rank among 29 North Carolina carriers, and the most recent NC filing for the carriers we have reviewed in depth:

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 moves when filings land. Mutual of Omaha's North Carolina block filed +25.01% effective April 2025 and +20% effective May 2026; a carrier that is fourth-cheapest today can be tenth after one filing. Ask for the filing history before you take the lowest number.

The Household Discount, and Why Couples Should Be Quoted Twice

6 of the North Carolina Plan G carriers file a household discount of 11.1% to 20%. The rules are carrier-specific. Some want a spouse on the same carrier. Some accept any adult in the home who holds a Medigap policy from anyone.

For a couple, the discount can move a carrier from third-cheapest to first, so we quote every carrier with it and without it. A single carrier's website quotes you once.

Tobacco Rating: the North Carolina Difference

North Carolina lets carriers rate for tobacco, and in this snapshot every carrier that quoted did: 38 of 38 applied a surcharge, from 10% to 221%, averaging about 31.6%. (New Jersey blocks the surcharge during the six-month open enrollment window. North Carolina has no such rule.)

If you use tobacco, throw out the non-tobacco ranking. The cheapest carrier for a non-smoker and the cheapest for a smoker are usually different companies, and the gap between two carriers' surcharges alone can add up to hundreds of dollars a year. We quote smokers on the tobacco tables from the first call.

Sample rates are not your rate

Call with your ZIP, your birth date, and whether you use tobacco. We read back every filed carrier and every discount you qualify for. Same price as going direct.

Call for NC Quote — 855-559-1700

North Carolina Medigap Pricing FAQ

Holding a rate-increase letter?

Bring the letter. We will tell you where your carrier now ranks among the 29 filed Plan G rates and whether moving is worth the underwriting.

Start Your NC Comparison — 855-559-1700

Related NC Medigap guides

Data source & methodology

Every premium on this page comes from the CSG Actuarial rate-filing database, the same tool a licensed Medigap broker quotes from. The sample is a female, non-tobacco applicant at ages 65, 67, and 69 in Charlotte, ZIP 28202, with no household discount applied. It is a sample, not your quote. The tobacco figures come from the same snapshot, re-run on the tobacco tables.

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. Broker compensation comes from the carrier you enroll with and does not change the premium you pay.