In Charlotte, North Carolina, 452,459 beneficiaries are enrolled in Medicare plans. Of those beneficiaries, 267,621 are enrolled in Fee-for-Service Medicare, and 184,838 are enrolled in Medicare Advantage. Keep reading to learn about the Medicare available to residents in Charlotte, North Carolina.

Supplemental Medicare Plans in Charlotte, North Carolina

Any resident living in Charlotte can take advantage of North Carolina Medicare plans available to them to cover medical costs. Supplemental Medicare plans help beneficiaries cover even more medical costs that Medicare alone won’t cover. Keep in mind that the quotes below are based on a male that’s 65 years old.

Affordable Medicare Advantage Plans in Charlotte, North Carolina

North Carolina Part C plans in Charlotte have a 40.85% participation rate. In Charlotte, the average enrollees are 65-year-old females, coming in at 55.21% versus 44.79% of Charlotte males. In Mecklenburg county, there are 45 Medicare Advantage Plans available to choose from.

Out of the Medicare Advantage plans available, there are three affordable options. They all have a four out of five Star Rating, which means they are very high-quality plans.

Blue Cross Blue Shield (BCBS) of North Carolina is the most affordable option, with a $4,200 maximum out-of-pocket (MOOP). This is a great, trustworthy, and affordable option to choose.

The other affordable options you have are Humana with a MOOP of $4,400 and Cigna with a MOOP of $4,900. The premiums are all $0. All of these three affordable options are classified as an HMO, which means “health maintenance organization.”

PLAN PREMIUM MOOP Plan Type Star Rating
Aetna $0 $6,500 LOCAL PPO 4
BCBS of North Carolina $0 $4,200 HMO 4
Humana $0 $4,400 HMO 4
UnitedHealthcare $0 $6,700 HMOPOS 5
Cigna $0 $4,900 HMO 4

Next, we’ll be diving into Medigap plans. If you’re not sure what the difference is between Medicare Advantage and Medigap, check out our helpful article describing the two types of plans.

Affordable Medicare Supplement Plans in Charlotte, North Carolina

Medigap in North Carolina provides you with supplemental healthcare coverage. Keep in mind: All Medigap plans are standardized across the nation, so benefits do not change from state to state. The only difference is the monthly premium. Medigap plans are policies that provide extra insurance.

The most affordable Medigap plan is Plan HDG, with the lowest premium being $33.66 and the highest premium being $74.36. This is a very popular, affordable option in Charlotte, North Carolina.

The next most affordable plan is Plan HDF with a low premium of $35.06. The highest premium with this plan is $77.68. Finally, the third most affordable plan is Plan K with a low premium of $53.83 and a high premium of $114.

PLAN A $97.34 $379.48
PLAN B $129.53 $303.32
PLAN C $129.64 $347.62
PLAN D $116.58 $327.13
PLAN F $124.13 $348.08
PLAN HDF $35.06 $77.68
PLAN G $107.50 $327.52
PLAN HDG $33.66 $74.36
PLAN K $53.83 $114.00
PLAN L $67.75 $228.36
PLAN M $81.03 $259.51
PLAN N $83.04 $309.72

Medigap rates vary dramatically on several factors. Please visit our article to learn more about the factors that affect your Medigap rates.

Affordable Medicare Part D in Charlotte, North Carolina

Part D plans in North Carolina are stand-alone plans that cover prescription medications. Medigap plans do not cover prescriptions, and only some Medicare Advantage plans do. If you need help covering prescriptions, consider a Medicare Part D plan.

In Charlotte, North Carolina, all Part D plans have a deductible of $480. They all have a two, three, or four-star rating.

Based on the premiums, here are the three most affordable Part D plans: Aetna is the most affordable with a premium of $7. The next lowest premium is $12.90 with Wellcare. Finally, Clear Spring is the third most affordable plan with an $18.10 premium.

Aetna $7.00 $480 3
Wellcare $12.90 $480 3
Clear Spring $18.10 $480 2
Humana $22.70 $480 4
Elixir $29.00 $480 3

Need help choosing a Part D plan? Check out the top 10 Part D prescription drug plans for 2022.

Medicare Special Needs Plans in Charlotte, North Carolina

Special Needs Plans (SNPs) are a subset of Medicare Advantage plans available to people with special needs. However, these plans aren’t available in all areas. SNP plans help people with chronic disabilities or special needs.

All of the SNPs in Charlotte, North Carolina have a premium of $0. The most affordable SNPs are Wellcare and Humana, which both have a maximum out-of-pocket (MOOP) of $3,450.

The rest of the SNPs (United, Aetna, and BCBS of North Carolina) all have a MOOP of $7,550. They are all HMOs, except UnitedHealthcare, which is a regional preferred provider organization (PPO).

PLAN PREMIUM MOOP Plan Type Eligibility
Wellcare $0 $3,450 HMO Dual
Humana $0 $3,450 HMO Dual
Unitedhealthcare $0 $7,550 REGIONAL PPO Dual
Aetna $0 $7,550 HMO Dual
BCBS of North Carolina $0 $7,550 HMO Dual


Is Medigap cheaper than Medicare Advantage in Charlotte, North Carolina?

Medigap plans in Charlotte, North Carolina are cheaper than Medicare Advantage plans. However, Medigap is only meant to be supplemental coverage, while Medicare Advantage plans are comprehensive coverage.

In Charlotte, how old do you have to be to apply for Medicare?

The United States federal qualifying age is 65 for Medicare. However, you can apply and enroll in Medicare three months before you turn 65.

Does Social Security count as income for Medicare in Charlotte, North Carolina?

Monthly social security checks do count as income for Medicare in Charlotte, North Carolina. Remember to include any other monthly income you have as well, such as from investments.

Which Medicare Advantage plans have five stars in Charlotte, North Carolina?

Only one Medicare Advantage plan has a five-star rating in Charlotte, North Carolina, and that is UnitedHealthcare.

How to Sign Up for Supplemental Medicare in Charlotte, North Carolina

Finding the right plan in Charlotte, North Carolina can be challenging—but it doesn’t have to be. We can help you find a plan that works best for you. Give us a call or fill out the form to get started.

Picture of the author
by Lindsay Malzone, Lindsay Malzone is the Medicare expert for She's been contributing to many well-known publications as an industry expert since 2017. Her passion is educating Medicare beneficiaries on all their supplemental Medicare options so they can make an informed decision on their healthcare coverage.