Medicare Ratings Guide

Author: Dr. Patricia Chen

  • Medigap Plans in Tennessee 2026: Best Medicare Supplement Plans & Costs

    Medigap in Tennessee: 2026 Average Premiums

    Plan Estimated Monthly Premium Part A Deductible Part B Coinsurance
    Plan G (most popular) $118/month Covered 100% covered
    Plan N $97/month Covered Covered (with copays up to $20)
    Plan F (pre-2020 only) $136/month Covered 100% covered
    Plan K $53/month 50% covered 50% covered
    Plan L $71/month 75% covered 75% covered

    Medicare Supplement Insurance in Tennessee

    Medicare Supplement (Medigap) insurance fills the gaps in Original Medicare coverage in Tennessee. The most popular plan — Plan G — has an average monthly premium of $118 in Tennessee, covering the Part A deductible ($1,676 per benefit period in 2026), Part B coinsurance (20% of all covered services), skilled nursing facility coinsurance, and foreign travel emergency coverage. The only gap Plan G leaves is the Part B deductible ($240/year).

    Medigap Plan Comparison in Tennessee

    Benefit Plan G Plan N Plan F* Plan K Plan L
    Part A coinsurance and hospital costs ✓ ✓ ✓ ✓ ✓
    Part B coinsurance/copayment ✓ ✓ (copays) ✓ 50% 75%
    Blood (first 3 pints) ✓ ✓ ✓ 50% 75%
    Part A hospice coinsurance ✓ ✓ ✓ 50% 75%
    Skilled nursing facility coinsurance ✓ ✓ ✓ 50% 75%
    Part A deductible ✓ ✓ ✓ 50% 75%
    Part B deductible ✗ ✗ ✓ ✗ ✗
    Part B excess charges ✓ ✗ ✓ ✗ ✗
    Foreign travel emergency (80%) ✓ ✓ ✓ ✗ ✗
    Estimated monthly premium in Tennessee $118 $97 $136* $53 $71

    *Plan F is only available to people who became eligible for Medicare before January 1, 2020.

    When to Buy Medigap in Tennessee

    The best time to buy Medigap in Tennessee is during your 6-month Medigap Open Enrollment Period, which begins the month you turn 65 and are enrolled in Medicare Part B. During this period, insurers in Tennessee cannot deny you coverage or charge higher premiums based on pre-existing conditions. After this window closes, insurers can use medical underwriting in most states, potentially denying coverage or charging significantly higher premiums.

    Medigap vs. Medicare Advantage in Tennessee

    Choosing between Medigap and Medicare Advantage in Tennessee depends on your health needs and preferences. Medigap + Part D gives you nationwide provider access, predictable costs, and no prior authorization requirements — ideal for people with complex health needs or who travel frequently. Medicare Advantage (average premium: $7.4/month in Tennessee) typically has lower premiums but network restrictions and prior authorization requirements. The average MA plan in Tennessee is rated 3.8 stars by CMS.

  • Medigap Plans in South Dakota 2026: Best Medicare Supplement Plans & Costs

    Medigap in South Dakota: 2026 Average Premiums

    Plan Estimated Monthly Premium Part A Deductible Part B Coinsurance
    Plan G (most popular) $112/month Covered 100% covered
    Plan N $92/month Covered Covered (with copays up to $20)
    Plan F (pre-2020 only) $129/month Covered 100% covered
    Plan K $50/month 50% covered 50% covered
    Plan L $67/month 75% covered 75% covered

    Medicare Supplement Insurance in South Dakota

    Medicare Supplement (Medigap) insurance fills the gaps in Original Medicare coverage in South Dakota. The most popular plan — Plan G — has an average monthly premium of $112 in South Dakota, covering the Part A deductible ($1,676 per benefit period in 2026), Part B coinsurance (20% of all covered services), skilled nursing facility coinsurance, and foreign travel emergency coverage. The only gap Plan G leaves is the Part B deductible ($240/year).

    Medigap Plan Comparison in South Dakota

    Benefit Plan G Plan N Plan F* Plan K Plan L
    Part A coinsurance and hospital costs ✓ ✓ ✓ ✓ ✓
    Part B coinsurance/copayment ✓ ✓ (copays) ✓ 50% 75%
    Blood (first 3 pints) ✓ ✓ ✓ 50% 75%
    Part A hospice coinsurance ✓ ✓ ✓ 50% 75%
    Skilled nursing facility coinsurance ✓ ✓ ✓ 50% 75%
    Part A deductible ✓ ✓ ✓ 50% 75%
    Part B deductible ✗ ✗ ✓ ✗ ✗
    Part B excess charges ✓ ✗ ✓ ✗ ✗
    Foreign travel emergency (80%) ✓ ✓ ✓ ✗ ✗
    Estimated monthly premium in South Dakota $112 $92 $129* $50 $67

    *Plan F is only available to people who became eligible for Medicare before January 1, 2020.

    When to Buy Medigap in South Dakota

    The best time to buy Medigap in South Dakota is during your 6-month Medigap Open Enrollment Period, which begins the month you turn 65 and are enrolled in Medicare Part B. During this period, insurers in South Dakota cannot deny you coverage or charge higher premiums based on pre-existing conditions. After this window closes, insurers can use medical underwriting in most states, potentially denying coverage or charging significantly higher premiums.

    Medigap vs. Medicare Advantage in South Dakota

    Choosing between Medigap and Medicare Advantage in South Dakota depends on your health needs and preferences. Medigap + Part D gives you nationwide provider access, predictable costs, and no prior authorization requirements — ideal for people with complex health needs or who travel frequently. Medicare Advantage (average premium: $5.8/month in South Dakota) typically has lower premiums but network restrictions and prior authorization requirements. The average MA plan in South Dakota is rated 3.7 stars by CMS.

  • Medigap Plans in South Carolina 2026: Best Medicare Supplement Plans & Costs

    Medigap in South Carolina: 2026 Average Premiums

    Plan Estimated Monthly Premium Part A Deductible Part B Coinsurance
    Plan G (most popular) $118/month Covered 100% covered
    Plan N $97/month Covered Covered (with copays up to $20)
    Plan F (pre-2020 only) $136/month Covered 100% covered
    Plan K $53/month 50% covered 50% covered
    Plan L $71/month 75% covered 75% covered

    Medicare Supplement Insurance in South Carolina

    Medicare Supplement (Medigap) insurance fills the gaps in Original Medicare coverage in South Carolina. The most popular plan — Plan G — has an average monthly premium of $118 in South Carolina, covering the Part A deductible ($1,676 per benefit period in 2026), Part B coinsurance (20% of all covered services), skilled nursing facility coinsurance, and foreign travel emergency coverage. The only gap Plan G leaves is the Part B deductible ($240/year).

    Medigap Plan Comparison in South Carolina

    Benefit Plan G Plan N Plan F* Plan K Plan L
    Part A coinsurance and hospital costs ✓ ✓ ✓ ✓ ✓
    Part B coinsurance/copayment ✓ ✓ (copays) ✓ 50% 75%
    Blood (first 3 pints) ✓ ✓ ✓ 50% 75%
    Part A hospice coinsurance ✓ ✓ ✓ 50% 75%
    Skilled nursing facility coinsurance ✓ ✓ ✓ 50% 75%
    Part A deductible ✓ ✓ ✓ 50% 75%
    Part B deductible ✗ ✗ ✓ ✗ ✗
    Part B excess charges ✓ ✗ ✓ ✗ ✗
    Foreign travel emergency (80%) ✓ ✓ ✓ ✗ ✗
    Estimated monthly premium in South Carolina $118 $97 $136* $53 $71

    *Plan F is only available to people who became eligible for Medicare before January 1, 2020.

    When to Buy Medigap in South Carolina

    The best time to buy Medigap in South Carolina is during your 6-month Medigap Open Enrollment Period, which begins the month you turn 65 and are enrolled in Medicare Part B. During this period, insurers in South Carolina cannot deny you coverage or charge higher premiums based on pre-existing conditions. After this window closes, insurers can use medical underwriting in most states, potentially denying coverage or charging significantly higher premiums.

    Medigap vs. Medicare Advantage in South Carolina

    Choosing between Medigap and Medicare Advantage in South Carolina depends on your health needs and preferences. Medigap + Part D gives you nationwide provider access, predictable costs, and no prior authorization requirements — ideal for people with complex health needs or who travel frequently. Medicare Advantage (average premium: $7.2/month in South Carolina) typically has lower premiums but network restrictions and prior authorization requirements. The average MA plan in South Carolina is rated 3.8 stars by CMS.

  • Medigap Plans in Rhode Island 2026: Best Medicare Supplement Plans & Costs

    Medigap in Rhode Island: 2026 Average Premiums

    Plan Estimated Monthly Premium Part A Deductible Part B Coinsurance
    Plan G (most popular) $168/month Covered 100% covered
    Plan N $138/month Covered Covered (with copays up to $20)
    Plan F (pre-2020 only) $193/month Covered 100% covered
    Plan K $76/month 50% covered 50% covered
    Plan L $101/month 75% covered 75% covered

    Medicare Supplement Insurance in Rhode Island

    Medicare Supplement (Medigap) insurance fills the gaps in Original Medicare coverage in Rhode Island. The most popular plan — Plan G — has an average monthly premium of $168 in Rhode Island, covering the Part A deductible ($1,676 per benefit period in 2026), Part B coinsurance (20% of all covered services), skilled nursing facility coinsurance, and foreign travel emergency coverage. The only gap Plan G leaves is the Part B deductible ($240/year).

    Medigap Plan Comparison in Rhode Island

    Benefit Plan G Plan N Plan F* Plan K Plan L
    Part A coinsurance and hospital costs ✓ ✓ ✓ ✓ ✓
    Part B coinsurance/copayment ✓ ✓ (copays) ✓ 50% 75%
    Blood (first 3 pints) ✓ ✓ ✓ 50% 75%
    Part A hospice coinsurance ✓ ✓ ✓ 50% 75%
    Skilled nursing facility coinsurance ✓ ✓ ✓ 50% 75%
    Part A deductible ✓ ✓ ✓ 50% 75%
    Part B deductible ✗ ✗ ✓ ✗ ✗
    Part B excess charges ✓ ✗ ✓ ✗ ✗
    Foreign travel emergency (80%) ✓ ✓ ✓ ✗ ✗
    Estimated monthly premium in Rhode Island $168 $138 $193* $76 $101

    *Plan F is only available to people who became eligible for Medicare before January 1, 2020.

    When to Buy Medigap in Rhode Island

    The best time to buy Medigap in Rhode Island is during your 6-month Medigap Open Enrollment Period, which begins the month you turn 65 and are enrolled in Medicare Part B. During this period, insurers in Rhode Island cannot deny you coverage or charge higher premiums based on pre-existing conditions. After this window closes, insurers can use medical underwriting in most states, potentially denying coverage or charging significantly higher premiums.

    Medigap vs. Medicare Advantage in Rhode Island

    Choosing between Medigap and Medicare Advantage in Rhode Island depends on your health needs and preferences. Medigap + Part D gives you nationwide provider access, predictable costs, and no prior authorization requirements — ideal for people with complex health needs or who travel frequently. Medicare Advantage (average premium: $17.2/month in Rhode Island) typically has lower premiums but network restrictions and prior authorization requirements. The average MA plan in Rhode Island is rated 4.1 stars by CMS.

  • Medigap Plans in Pennsylvania 2026: Best Medicare Supplement Plans & Costs

    Medigap in Pennsylvania: 2026 Average Premiums

    Plan Estimated Monthly Premium Part A Deductible Part B Coinsurance
    Plan G (most popular) $148/month Covered 100% covered
    Plan N $121/month Covered Covered (with copays up to $20)
    Plan F (pre-2020 only) $170/month Covered 100% covered
    Plan K $67/month 50% covered 50% covered
    Plan L $89/month 75% covered 75% covered

    Medicare Supplement Insurance in Pennsylvania

    Medicare Supplement (Medigap) insurance fills the gaps in Original Medicare coverage in Pennsylvania. The most popular plan — Plan G — has an average monthly premium of $148 in Pennsylvania, covering the Part A deductible ($1,676 per benefit period in 2026), Part B coinsurance (20% of all covered services), skilled nursing facility coinsurance, and foreign travel emergency coverage. The only gap Plan G leaves is the Part B deductible ($240/year).

    Medigap Plan Comparison in Pennsylvania

    Benefit Plan G Plan N Plan F* Plan K Plan L
    Part A coinsurance and hospital costs ✓ ✓ ✓ ✓ ✓
    Part B coinsurance/copayment ✓ ✓ (copays) ✓ 50% 75%
    Blood (first 3 pints) ✓ ✓ ✓ 50% 75%
    Part A hospice coinsurance ✓ ✓ ✓ 50% 75%
    Skilled nursing facility coinsurance ✓ ✓ ✓ 50% 75%
    Part A deductible ✓ ✓ ✓ 50% 75%
    Part B deductible ✗ ✗ ✓ ✗ ✗
    Part B excess charges ✓ ✗ ✓ ✗ ✗
    Foreign travel emergency (80%) ✓ ✓ ✓ ✗ ✗
    Estimated monthly premium in Pennsylvania $148 $121 $170* $67 $89

    *Plan F is only available to people who became eligible for Medicare before January 1, 2020.

    When to Buy Medigap in Pennsylvania

    The best time to buy Medigap in Pennsylvania is during your 6-month Medigap Open Enrollment Period, which begins the month you turn 65 and are enrolled in Medicare Part B. During this period, insurers in Pennsylvania cannot deny you coverage or charge higher premiums based on pre-existing conditions. After this window closes, insurers can use medical underwriting in most states, potentially denying coverage or charging significantly higher premiums.

    Medigap vs. Medicare Advantage in Pennsylvania

    Choosing between Medigap and Medicare Advantage in Pennsylvania depends on your health needs and preferences. Medigap + Part D gives you nationwide provider access, predictable costs, and no prior authorization requirements — ideal for people with complex health needs or who travel frequently. Medicare Advantage (average premium: $12.8/month in Pennsylvania) typically has lower premiums but network restrictions and prior authorization requirements. The average MA plan in Pennsylvania is rated 4.0 stars by CMS.

  • Medigap Plans in Oregon 2026: Best Medicare Supplement Plans & Costs

    Medigap in Oregon: 2026 Average Premiums

    Plan Estimated Monthly Premium Part A Deductible Part B Coinsurance
    Plan G (most popular) $148/month Covered 100% covered
    Plan N $121/month Covered Covered (with copays up to $20)
    Plan F (pre-2020 only) $170/month Covered 100% covered
    Plan K $67/month 50% covered 50% covered
    Plan L $89/month 75% covered 75% covered

    Medicare Supplement Insurance in Oregon

    Medicare Supplement (Medigap) insurance fills the gaps in Original Medicare coverage in Oregon. The most popular plan — Plan G — has an average monthly premium of $148 in Oregon, covering the Part A deductible ($1,676 per benefit period in 2026), Part B coinsurance (20% of all covered services), skilled nursing facility coinsurance, and foreign travel emergency coverage. The only gap Plan G leaves is the Part B deductible ($240/year).

    Medigap Plan Comparison in Oregon

    Benefit Plan G Plan N Plan F* Plan K Plan L
    Part A coinsurance and hospital costs ✓ ✓ ✓ ✓ ✓
    Part B coinsurance/copayment ✓ ✓ (copays) ✓ 50% 75%
    Blood (first 3 pints) ✓ ✓ ✓ 50% 75%
    Part A hospice coinsurance ✓ ✓ ✓ 50% 75%
    Skilled nursing facility coinsurance ✓ ✓ ✓ 50% 75%
    Part A deductible ✓ ✓ ✓ 50% 75%
    Part B deductible ✗ ✗ ✓ ✗ ✗
    Part B excess charges ✓ ✗ ✓ ✗ ✗
    Foreign travel emergency (80%) ✓ ✓ ✓ ✗ ✗
    Estimated monthly premium in Oregon $148 $121 $170* $67 $89

    *Plan F is only available to people who became eligible for Medicare before January 1, 2020.

    When to Buy Medigap in Oregon

    The best time to buy Medigap in Oregon is during your 6-month Medigap Open Enrollment Period, which begins the month you turn 65 and are enrolled in Medicare Part B. During this period, insurers in Oregon cannot deny you coverage or charge higher premiums based on pre-existing conditions. After this window closes, insurers can use medical underwriting in most states, potentially denying coverage or charging significantly higher premiums.

    Medigap vs. Medicare Advantage in Oregon

    Choosing between Medigap and Medicare Advantage in Oregon depends on your health needs and preferences. Medigap + Part D gives you nationwide provider access, predictable costs, and no prior authorization requirements — ideal for people with complex health needs or who travel frequently. Medicare Advantage (average premium: $10.4/month in Oregon) typically has lower premiums but network restrictions and prior authorization requirements. The average MA plan in Oregon is rated 4.1 stars by CMS.

  • Medigap Plans in Oklahoma 2026: Best Medicare Supplement Plans & Costs

    Medigap in Oklahoma: 2026 Average Premiums

    Plan Estimated Monthly Premium Part A Deductible Part B Coinsurance
    Plan G (most popular) $116/month Covered 100% covered
    Plan N $95/month Covered Covered (with copays up to $20)
    Plan F (pre-2020 only) $133/month Covered 100% covered
    Plan K $52/month 50% covered 50% covered
    Plan L $70/month 75% covered 75% covered

    Medicare Supplement Insurance in Oklahoma

    Medicare Supplement (Medigap) insurance fills the gaps in Original Medicare coverage in Oklahoma. The most popular plan — Plan G — has an average monthly premium of $116 in Oklahoma, covering the Part A deductible ($1,676 per benefit period in 2026), Part B coinsurance (20% of all covered services), skilled nursing facility coinsurance, and foreign travel emergency coverage. The only gap Plan G leaves is the Part B deductible ($240/year).

    Medigap Plan Comparison in Oklahoma

    Benefit Plan G Plan N Plan F* Plan K Plan L
    Part A coinsurance and hospital costs ✓ ✓ ✓ ✓ ✓
    Part B coinsurance/copayment ✓ ✓ (copays) ✓ 50% 75%
    Blood (first 3 pints) ✓ ✓ ✓ 50% 75%
    Part A hospice coinsurance ✓ ✓ ✓ 50% 75%
    Skilled nursing facility coinsurance ✓ ✓ ✓ 50% 75%
    Part A deductible ✓ ✓ ✓ 50% 75%
    Part B deductible ✗ ✗ ✓ ✗ ✗
    Part B excess charges ✓ ✗ ✓ ✗ ✗
    Foreign travel emergency (80%) ✓ ✓ ✓ ✗ ✗
    Estimated monthly premium in Oklahoma $116 $95 $133* $52 $70

    *Plan F is only available to people who became eligible for Medicare before January 1, 2020.

    When to Buy Medigap in Oklahoma

    The best time to buy Medigap in Oklahoma is during your 6-month Medigap Open Enrollment Period, which begins the month you turn 65 and are enrolled in Medicare Part B. During this period, insurers in Oklahoma cannot deny you coverage or charge higher premiums based on pre-existing conditions. After this window closes, insurers can use medical underwriting in most states, potentially denying coverage or charging significantly higher premiums.

    Medigap vs. Medicare Advantage in Oklahoma

    Choosing between Medigap and Medicare Advantage in Oklahoma depends on your health needs and preferences. Medigap + Part D gives you nationwide provider access, predictable costs, and no prior authorization requirements — ideal for people with complex health needs or who travel frequently. Medicare Advantage (average premium: $6.8/month in Oklahoma) typically has lower premiums but network restrictions and prior authorization requirements. The average MA plan in Oklahoma is rated 3.7 stars by CMS.

  • Medigap Plans in Ohio 2026: Best Medicare Supplement Plans & Costs

    Medigap in Ohio: 2026 Average Premiums

    Plan Estimated Monthly Premium Part A Deductible Part B Coinsurance
    Plan G (most popular) $128/month Covered 100% covered
    Plan N $105/month Covered Covered (with copays up to $20)
    Plan F (pre-2020 only) $147/month Covered 100% covered
    Plan K $58/month 50% covered 50% covered
    Plan L $77/month 75% covered 75% covered

    Medicare Supplement Insurance in Ohio

    Medicare Supplement (Medigap) insurance fills the gaps in Original Medicare coverage in Ohio. The most popular plan — Plan G — has an average monthly premium of $128 in Ohio, covering the Part A deductible ($1,676 per benefit period in 2026), Part B coinsurance (20% of all covered services), skilled nursing facility coinsurance, and foreign travel emergency coverage. The only gap Plan G leaves is the Part B deductible ($240/year).

    Medigap Plan Comparison in Ohio

    Benefit Plan G Plan N Plan F* Plan K Plan L
    Part A coinsurance and hospital costs ✓ ✓ ✓ ✓ ✓
    Part B coinsurance/copayment ✓ ✓ (copays) ✓ 50% 75%
    Blood (first 3 pints) ✓ ✓ ✓ 50% 75%
    Part A hospice coinsurance ✓ ✓ ✓ 50% 75%
    Skilled nursing facility coinsurance ✓ ✓ ✓ 50% 75%
    Part A deductible ✓ ✓ ✓ 50% 75%
    Part B deductible ✗ ✗ ✓ ✗ ✗
    Part B excess charges ✓ ✗ ✓ ✗ ✗
    Foreign travel emergency (80%) ✓ ✓ ✓ ✗ ✗
    Estimated monthly premium in Ohio $128 $105 $147* $58 $77

    *Plan F is only available to people who became eligible for Medicare before January 1, 2020.

    When to Buy Medigap in Ohio

    The best time to buy Medigap in Ohio is during your 6-month Medigap Open Enrollment Period, which begins the month you turn 65 and are enrolled in Medicare Part B. During this period, insurers in Ohio cannot deny you coverage or charge higher premiums based on pre-existing conditions. After this window closes, insurers can use medical underwriting in most states, potentially denying coverage or charging significantly higher premiums.

    Medigap vs. Medicare Advantage in Ohio

    Choosing between Medigap and Medicare Advantage in Ohio depends on your health needs and preferences. Medigap + Part D gives you nationwide provider access, predictable costs, and no prior authorization requirements — ideal for people with complex health needs or who travel frequently. Medicare Advantage (average premium: $9.2/month in Ohio) typically has lower premiums but network restrictions and prior authorization requirements. The average MA plan in Ohio is rated 4.0 stars by CMS.

  • Medigap Plans in North Dakota 2026: Best Medicare Supplement Plans & Costs

    Medigap in North Dakota: 2026 Average Premiums

    Plan Estimated Monthly Premium Part A Deductible Part B Coinsurance
    Plan G (most popular) $114/month Covered 100% covered
    Plan N $93/month Covered Covered (with copays up to $20)
    Plan F (pre-2020 only) $131/month Covered 100% covered
    Plan K $51/month 50% covered 50% covered
    Plan L $68/month 75% covered 75% covered

    Medicare Supplement Insurance in North Dakota

    Medicare Supplement (Medigap) insurance fills the gaps in Original Medicare coverage in North Dakota. The most popular plan — Plan G — has an average monthly premium of $114 in North Dakota, covering the Part A deductible ($1,676 per benefit period in 2026), Part B coinsurance (20% of all covered services), skilled nursing facility coinsurance, and foreign travel emergency coverage. The only gap Plan G leaves is the Part B deductible ($240/year).

    Medigap Plan Comparison in North Dakota

    Benefit Plan G Plan N Plan F* Plan K Plan L
    Part A coinsurance and hospital costs ✓ ✓ ✓ ✓ ✓
    Part B coinsurance/copayment ✓ ✓ (copays) ✓ 50% 75%
    Blood (first 3 pints) ✓ ✓ ✓ 50% 75%
    Part A hospice coinsurance ✓ ✓ ✓ 50% 75%
    Skilled nursing facility coinsurance ✓ ✓ ✓ 50% 75%
    Part A deductible ✓ ✓ ✓ 50% 75%
    Part B deductible ✗ ✗ ✓ ✗ ✗
    Part B excess charges ✓ ✗ ✓ ✗ ✗
    Foreign travel emergency (80%) ✓ ✓ ✓ ✗ ✗
    Estimated monthly premium in North Dakota $114 $93 $131* $51 $68

    *Plan F is only available to people who became eligible for Medicare before January 1, 2020.

    When to Buy Medigap in North Dakota

    The best time to buy Medigap in North Dakota is during your 6-month Medigap Open Enrollment Period, which begins the month you turn 65 and are enrolled in Medicare Part B. During this period, insurers in North Dakota cannot deny you coverage or charge higher premiums based on pre-existing conditions. After this window closes, insurers can use medical underwriting in most states, potentially denying coverage or charging significantly higher premiums.

    Medigap vs. Medicare Advantage in North Dakota

    Choosing between Medigap and Medicare Advantage in North Dakota depends on your health needs and preferences. Medigap + Part D gives you nationwide provider access, predictable costs, and no prior authorization requirements — ideal for people with complex health needs or who travel frequently. Medicare Advantage (average premium: $5.4/month in North Dakota) typically has lower premiums but network restrictions and prior authorization requirements. The average MA plan in North Dakota is rated 3.7 stars by CMS.

  • Medigap Plans in North Carolina 2026: Best Medicare Supplement Plans & Costs

    Medigap in North Carolina: 2026 Average Premiums

    Plan Estimated Monthly Premium Part A Deductible Part B Coinsurance
    Plan G (most popular) $126/month Covered 100% covered
    Plan N $103/month Covered Covered (with copays up to $20)
    Plan F (pre-2020 only) $145/month Covered 100% covered
    Plan K $57/month 50% covered 50% covered
    Plan L $76/month 75% covered 75% covered

    Medicare Supplement Insurance in North Carolina

    Medicare Supplement (Medigap) insurance fills the gaps in Original Medicare coverage in North Carolina. The most popular plan — Plan G — has an average monthly premium of $126 in North Carolina, covering the Part A deductible ($1,676 per benefit period in 2026), Part B coinsurance (20% of all covered services), skilled nursing facility coinsurance, and foreign travel emergency coverage. The only gap Plan G leaves is the Part B deductible ($240/year).

    Medigap Plan Comparison in North Carolina

    Benefit Plan G Plan N Plan F* Plan K Plan L
    Part A coinsurance and hospital costs ✓ ✓ ✓ ✓ ✓
    Part B coinsurance/copayment ✓ ✓ (copays) ✓ 50% 75%
    Blood (first 3 pints) ✓ ✓ ✓ 50% 75%
    Part A hospice coinsurance ✓ ✓ ✓ 50% 75%
    Skilled nursing facility coinsurance ✓ ✓ ✓ 50% 75%
    Part A deductible ✓ ✓ ✓ 50% 75%
    Part B deductible ✗ ✗ ✓ ✗ ✗
    Part B excess charges ✓ ✗ ✓ ✗ ✗
    Foreign travel emergency (80%) ✓ ✓ ✓ ✗ ✗
    Estimated monthly premium in North Carolina $126 $103 $145* $57 $76

    *Plan F is only available to people who became eligible for Medicare before January 1, 2020.

    When to Buy Medigap in North Carolina

    The best time to buy Medigap in North Carolina is during your 6-month Medigap Open Enrollment Period, which begins the month you turn 65 and are enrolled in Medicare Part B. During this period, insurers in North Carolina cannot deny you coverage or charge higher premiums based on pre-existing conditions. After this window closes, insurers can use medical underwriting in most states, potentially denying coverage or charging significantly higher premiums.

    Medigap vs. Medicare Advantage in North Carolina

    Choosing between Medigap and Medicare Advantage in North Carolina depends on your health needs and preferences. Medigap + Part D gives you nationwide provider access, predictable costs, and no prior authorization requirements — ideal for people with complex health needs or who travel frequently. Medicare Advantage (average premium: $8.6/month in North Carolina) typically has lower premiums but network restrictions and prior authorization requirements. The average MA plan in North Carolina is rated 3.9 stars by CMS.