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HomeMedicare SupplementNorth CarolinaMedigap in North Carolina for 2027: 29 Insurers and the Plans They Sell

Medicare Supplement

Medigap in North Carolina for 2027: 29 Insurers and the Plans They Sell

CHARLOTTE, N.C. — With Medicare Open Enrollment 2027 running October 15 through December 7, 2026, North Carolinians weighing a Medicare Supplement policy have a crowded shelf to look at. Medicare.gov's Medigap policy search lists 29 insurers for ZIP code 28202, selling across the standardized federal plan letters A, B, C, D, F, F-HD, G, G-HD, K, L, M and N. Medigap works alongside Original Medicare to help cover deductibles, coinsurance and copays, and the choice of insurer is separate from the choice of a Part D drug plan.

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Key takeaways

  • Medicare.gov's Medigap search lists 29 insurers for Charlotte's ZIP 28202, offering some mix of federal standardized plans A, B, C, D, F, F-HD, G, G-HD, K, L, M and N.
  • Your strongest window to buy any Medigap plan sold in your area without medical underwriting is the six-month Medigap Open Enrollment Period that begins when you are 65 or older and enrolled in Part B.
  • 29 Medicare Advantage plans offered somewhere in North Carolina in 2026 are not being offered anywhere in the state in 2027, and affected members get a federal guaranteed-issue right to buy certain Medigap plans.
  • Medigap does not include prescription drug coverage, so a stand-alone Part D plan is chosen separately during Annual Enrollment 2027 (October 15 – December 7, 2026).
Medicare SupplementNorth Carolina
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By MyMedicarePlans Editorial Desk · Medicare Education✓ Verified Team
Published ·10 min read·✓ Reviewed
Key facts: Medicare in North Carolina
FactFigureSource
Part B standard monthly premium (2026)$202.90Medicare.gov
Part D out-of-pocket cap (2026)$2,100CMS
Part D out-of-pocket cap (2027)$2,400CMS
Annual Enrollment Period (for 2027 coverage)October 15 – December 7, 2026Medicare.gov

Area counts are for the county as a whole and are not a recommendation of any plan. Program figures are set nationally.

What is Medigap and how is it different from Medicare Advantage in North Carolina?

Medigap is private insurance that pays after Original Medicare on costs like Part A and Part B coinsurance and deductibles. It is not Medicare Advantage. With Medigap plus Original Medicare, you keep Original Medicare as your primary coverage and can see any provider in the country who accepts Medicare; with Medicare Advantage, a private plan replaces how your Part A and Part B benefits are delivered and typically uses a network. In North Carolina, as in most states, Medigap policies are sold using federal standardized plan letters, so Plan G from one insurer must cover the same federally defined benefits as Plan G from another, even though premiums and customer service differ.

Which insurers sell Medigap in North Carolina for 2027, and which plan letters do they offer?

For ZIP code 28202, Medicare.gov's Medigap policy search lists 29 insurers. What is sold can differ by ZIP code and by age, sex and tobacco use, and Plans C and F are closed to people newly eligible for Medicare on or after January 1, 2020.

The insurers and the plan letters listed for each, in alphabetical order:

What is the Medigap Open Enrollment Period in North Carolina and why does it matter?

The Medigap Open Enrollment Period is a one-time, six-month window that begins the month you are 65 or older and enrolled in Medicare Part B. During it, you can buy any Medigap policy sold in your area without medical underwriting — insurers cannot deny you or charge you more because of your health. Outside that window, insurers in North Carolina generally may use medical underwriting unless you qualify for a guaranteed-issue right under federal rules. Because the window is tied to your personal Part B start date, it is worth marking on a calendar and comparing policies before it closes.

What happens in North Carolina if my Medicare Advantage plan is not returning in 2027?

According to CMS Landscape files, 29 Medicare Advantage plans offered somewhere in North Carolina in 2026 are not being offered anywhere in the state in 2027. Members of a plan that is not returning get a federal guaranteed-issue right to buy certain Medigap plans, meaning accepted insurers cannot turn you down or price you based on health status for those specific plans. Your plan's non-renewal notice explains your rights and timelines; Medicare.gov and 1-800-MEDICARE can confirm which Medigap plans qualify under that right.

Does Medigap cover prescriptions in North Carolina, or do I need a separate Part D plan?

Medigap sold today does not include prescription drug coverage, so most people with Medigap also enroll in a stand-alone Medicare Part D plan. For 2027, the Part D annual out-of-pocket cap is $2,400 (up from $2,100 in 2026), and the most any Part D plan may charge as its deductible is $700. The Part D base beneficiary premium used in the late-enrollment penalty calculation is $41.33 for 2027; actual plan premiums are set plan by plan. You can compare Part D plans during Annual Enrollment 2027, October 15 – December 7, 2026, for coverage that starts January 1, 2027.

How do I compare Medigap policies in North Carolina?

Start by picking the standardized plan letter that fits how you want to share costs with Medicare, then compare insurers on that letter. Because benefits within a letter are federally standardized, the differences among insurers come down to premium, how rates change over time, customer service and extras — none of which this article quotes. Use the Medigap policy search on Medicare.gov to see insurers listed for your ZIP, then request each insurer's outline of coverage and current rates. The Social Security Administration announced on October 14, 2026 a 3.6 percent cost-of-living adjustment for Social Security benefits beginning in January 2027, which can affect household budgeting as you compare.

Where can North Carolinians get free help with Medigap in 2027?

For unbiased, no-cost help, call 1-800-MEDICARE (available 24 hours a day, seven days a week) or use the tools at Medicare.gov, including the Medigap policy search and the Medicare Plan Finder for Part D. Plan details — premiums, formularies, networks and ratings — come from Medicare Plan Finder, 1-800-MEDICARE, or the plan's or insurer's own documents.

By the numbers

Medicare Part B premium, 2006–2026

The standard monthly Part B premium has climbed from $88.50 in 2006 to $202.90 in 2026. Hover any point for that year’s premium.

$0$50$100$150$200200820122016202020242026

Source: CMS. Standard premium shown; in some hold-harmless years many existing enrollees paid less. Confirm at Medicare.gov.

Key dates

Medicare enrollment periods at a glance

  • Around your 65thInitial Enrollment PeriodA 7-month window around the month you turn 65 — your first chance to sign up.
  • October 15 – December 7Annual Enrollment Period (Open Enrollment)Anyone with Medicare can join, switch, or drop a Medicare Advantage or Part D plan.
  • January 1 – March 31Medicare Advantage Open EnrollmentIf you're already in a Medicare Advantage plan, you can make one change.
  • January 1 – March 31General Enrollment PeriodFor people who missed their first chance to sign up for Part B.
  • VariesSpecial Enrollment PeriodTriggered by life events like moving or losing other coverage.

Dates are set by Medicare and apply nationwide. Confirm your personal windows at Medicare.gov or 1-800-MEDICARE.

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The parts of Medicare

Part A covers inpatient hospital stays, skilled nursing facility care, hospice, and some home health care. Most people pay no premium for Part A.

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When can you enroll? An interactive year

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October 15 – December 7 — anyone with Medicare can join, switch, or drop a Medicare Advantage or Part D plan. Changes take effect January 1.

Enrollment windows are federal and the same nationwide. Confirm your personal dates at Medicare.gov or 1-800-MEDICARE.

Good to know

Frequently asked questions

Are Plans C and F still available to new North Carolina enrollees in 2027?
Plans C and F are closed to people newly eligible for Medicare on or after January 1, 2020. If you were eligible before that date, you may still be able to buy them from an insurer that sells them in your area; check Medicare.gov's Medigap policy search or call 1-800-MEDICARE.
Can a North Carolina insurer deny me Medigap coverage because of my health?
Outside of your six-month Medigap Open Enrollment Period and specific federal guaranteed-issue situations, insurers in North Carolina generally may use medical underwriting. During your Medigap Open Enrollment Period, and when you have a guaranteed-issue right — such as when your Medicare Advantage plan is not returning in 2027 — insurers cannot deny you or raise your price based on health for the plans that right covers.
Do I need both a Medigap policy and a Part D plan?
Medigap does not include prescription drug coverage, so if you want help paying for prescriptions you generally enroll in a stand-alone Part D plan in addition to Medigap. The 2027 Part D out-of-pocket cap is $2,400, and the maximum allowed Part D deductible is $700.
When do choices I make during Annual Enrollment take effect?
Annual Enrollment for 2027 runs October 15 – December 7, 2026, and the choices you make take effect January 1, 2027. For questions, Medicare.gov and 1-800-MEDICARE are available year-round.
Sources & further reading
  • CMS — Medicare Supplement Insurance (Medigap) rules (medicare.gov)
  • CMS — Medicare enrollment periods (medicare.gov)

For personalized answers, contact Medicare.gov or 1-800-MEDICARE.

Sources and methodology

Figures cited in this article

  • Medicare.gov Medigap policy search: the list of 29 insurers and plan letters for ZIP code 28202.
  • CMS Landscape Source File: the count of 29 Medicare Advantage plans offered somewhere in North Carolina in 2026 that are not offered anywhere in the state in 2027.
  • Medicare.gov: the Annual Enrollment Period dates, Medigap Open Enrollment Period rules, guaranteed-issue rights and Part D coverage rules.
  • CMS: the 2027 Part D out-of-pocket cap of $2,400, the $700 maximum Part D deductible and the $41.33 Part D base beneficiary premium.
  • Social Security Administration: the October 14, 2026 announcement of a 3.6 percent cost-of-living adjustment for benefits payable beginning January 2027.

How we put this together: area counts come from the CMS files listed above for the county that contains this city, program figures come from CMS, Medicare.gov and the Social Security Administration, and no plan is ranked or recommended.

By The Medicare Desk · Published . For personalized answers, contact Medicare.gov or 1-800-MEDICARE.

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This page was last updated: October 2026.

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