Medicare Supplement Plans

What is a Medicare Supplement (or Medigap) Plan?

Medicare supplement plans are one health insurance option for people with Original Medicare. There are standardized Medicare supplement insurance plans available that are designed to fill the gaps left by Original Medicare (Parts A and B). These are sold by private insurance companies as individual insurance policies and are regulated by the Department of Insurance. After age 65 and for the first six months of eligibility for Medicare Part B, beneficiaries have an Open Enrollment Period and are guaranteed the ability to buy any of these plans from any company that sells them. Companies cannot deny coverage or charge more for current or past health problems. If you fail to apply for a Medicare supplement within your Open Enrollment Period, you may lose the right to purchase a Medicare supplement policy without regard to your health. 

Are you considering a Medicare Supplement Plan?

Use our free tool to find estimated premium rates 

SHIIP's interactive tool allows individuals to compare Medicare supplement plans at the touch of their fingers.  By simply entering your age, gender, the Medicare supplement plan you want to compare, and whether or not you use tobacco products, the computer will generate a list of the companies offering that plan along with their estimated premiums.  By clicking on the company name, you will be directed to other important aspects of the product.  This site has the most up-to-date information of plans available in North Carolina.

You will not be auto enrolled into a Medicare Supplement Policy and must make application directly with the insurance company.  You will need to contact the insurance company that sells the specific policy you wish to purchase or you may contact an agent who sells the specific policy you wish to purchase.  We recommend that you apply at least 30 days before you want the policy to start.  If you do not have 30 days, apply as soon as possible. Supplement premiums are paid directly to the insurance company and are not deducted from your Social Security payments. 

Need more information?

Call SHIIP toll-free at 1-855-408-1212 Monday through Friday from  8am to 5pm.

Related Publications:

Choosing a Medigap policy: A Guide to Health Insurance for People with Medicare

Medicare Supplement Insurance: Getting Started