Original Medicare in Raleigh (Parts A and B) helps beneficiaries cover a significant portion of healthcare costs. However, there are still gaps in healthcare coverage that can grow costly for beneficiaries. To fill in the gaps in medical coverage, 36.80% of the 353,691 Original Medicare enrollees use Medicare Advantage plans.

Supplemental Medicare Plans in Raleigh, North Carolina

Supplemental Medicare plans help beneficiaries in Raleigh, North Carolina reduce their Medicare costs. These plans cover the healthcare expenses that Original Medicare Parts A and B do not. The quotes in this article reflect the premiums and advantages of a 65-year-old female beneficiary.

Cheapest Medicare Advantage Plans in Raleigh, North Carolina

In Raleigh, Medicare beneficiaries are enrolled in one of the 37 available North Carolina Medicare Advantage plans. Of those 353,691 beneficiaries, 45.15% are male, and 54.85% are female. All of the Medicare Advantage plans in Raleigh, North Carolina have a premium of $0.

By far, the cheapest Medical Advantage plan available in Raleigh, North Carolina is Alignment Health. The maximum out-of-pocket premium for this plan is $2,499. However, the star rating is not available.

The next cheapest option for a Medical Advantage plan is UnitedHealthcare. This plan has a five out of five-star rating, making it extremely high-quality. Plus, the MOOP is only $3,600.

The next cheapest option is BlueCross Blue Shield (BCBS) of North Carolina, which is a health maintenance organization (HMO). It is rated highly with four out of five stars. The MOOP is $5,900.

PLAN PREMIUM MOOP Plan Type Star Rating
Humana $0 $7,550 REGIONAL PPO 4
BCBS of North Carolina $0 $5,900 HMO 4
Alignment Health $0 $2,499 HMOPOS N/A
Aetna $0 $6,500 LOCAL PPO 4
Unitedhealthcare $0 $3,600 HMOPOS 5

Wondering why Medicare Advantage plans are beneficial? We have your answers here: Why Medicare Advantage Plans are Good.

Affordable Medicare Supplement Plans in Raleigh, North Carolina

Medicare Supplement plans in North Carolina are also referred to as Medigap plans. They work in conjunction with Medicare. They cover the healthcare costs that Medicare doesn’t cover.

For example, copays. Each Medigap letter plan provides the same benefits, no matter your state or what carrier you enroll with. However, monthly premiums do vary depending on your state.

The top letter plan that is the most affordable is Plan HDF. This is a very popular option in Raleigh, North Carolina. The lowest premium is $30 and the highest premium is $70.28, making it very affordable for most beneficiaries.

Another popular and affordable letter plan is Plan HDG. This option has the lowest premium of $30 and the highest premium of $67.27. These rates are extremely comparable to Plan HDF premiums.

Finally, another popular option is Plan N. This is another affordable option. The lowest premium is $72.21, and the highest premium is $274.22.

LETTER PLAN LOWEST PREMIUM HIGHEST PREMIUM
PLAN A $84.51 $341.62
PLAN B $112.70 $263.89
PLAN C $114.73 $307.82
PLAN D $106.00 $289.64
PLAN F $107.94 $308.23
PLAN HDF $30.00 $70.28
PLAN G $97.27 $289.98
PLAN HDG $30.00 $67.27
PLAN K $46.83 $90.00
PLAN L $59.00 $205.62
PLAN M $71.71 $233.66
PLAN N $72.21 $274.22

If you’re wondering how to apply for Medigap plans, we’ve created this helpful resource to make your life easier.

Average Medicare Part D in Raleigh, North Carolina

North Carolina Medicare Part D plans provide coverage solely for prescription medications. These help you cover prescription medication costs that other plans, such as Medigap plans and Medicare Advantage, do not. However, some Medicare Advantage plans do include prescription drug coverage, known as MAPD plans.

Every Part D plan available in Raleigh, North Carolina has a deductible of $480. Most of the plans have a three-star rating, except Humana has a four-star rating, and Clear Spring has a 2-star rating.

Humana is a high-quality, average option with a $22.70 premium. The most affordable option is Aetna with a $7 premium. Another extremely affordable option is Wellcare, with a $12.90 premium.

PLAN PREMIUM DEDUCTIBLE STAR RATING
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

If you sign up for a Medicare Part D plan, you will most likely receive an Explanation of Benefits. Here’s an explanation of what an EOB is.

Medicare Special Needs Plans

Special Needs Plans (SNPs) are a subset of Medicare Advantage plans. If you have a chronic condition or special needs, you can enroll in an SNP for additional coverage. However, these types of plans are only available in select areas.

Every SNP available in Raleigh, North Carolina has a premium of $0. Almost every option is a health maintenance organization (HMO), except UnitedHealthcare, which is a preferred provider organization (PPO). UnitedHealthcare is a more expensive option with a MOOP of $7,550.

The most affordable SNP in Raleigh is Wellcare (HMO). It has a MOOP of $3,450, making this an extremely popular plan to enroll in. This SNP is available for dual-eligible beneficiaries.

Another affordable option is Liberty (HMO). This plan has a MOOP of $5,000. It is only eligible for people who have chronic or disabling conditions.

PLAN PREMIUM MOOP Plan Type Eligibility
Unitedhealthcare $0 $7,550 REGIONAL PPO Dual
Wellcare $0 $3,450 HMO Dual
Aetna $0 $7,550 HMO Dual
Liberty $0 $5,000 HMO Chronic or Disabling
Alignment $0 $6,700 HMO Dual

FAQs

What are the Requirements for Medicare in Raleigh, North Carolina?

In order to qualify for Medicare in Raleigh, North Carolina, you have to be 65 or older. Otherwise, you’re also qualified if you have been on Social Security Disability Insurance (SSDI) for at least two years. Finally, you also qualify if you have end-stage renal disease (ESRD) or Lou Gehrig’s disease.

What are the Four Types of Medicare in Raleigh, North Carolina?

There are four types of Medicare available in Raleigh, North Carolina. Part A provides inpatient and hospital coverage. For outpatient and medical coverage, Part B can help. If you need an alternative way to receive your Medicare benefits, Part C is here for you. Finally, Part D provides prescription drug coverage.

When can you apply for Medicare in Raleigh, North Carolina?

Generally, beneficiaries are first eligible to apply for Medicare in North Carolina starting 3 months before they turn 65. After you turn 65, you’re eligible for 3 months after. If you don’t sign up when you’re eligible, you might have to wait to sign up. This may cause you to go months without coverage, and possibly pay a monthly penalty.

Can I get Medicare Without Qualifying for full Social Security Benefits in Raleigh, North Carolina?

Just because you are not eligible for full Social Security retirement benefits does not mean you can’t apply for full Medicare benefits. Medicare is still available to you. However, you will have to contact Social Security to get signed up.

How do I Sign up for Medicare for the First Time?

If it’s your first time signing up for Medicare, you can apply for Social Security Medicare benefits online. This is the easiest and fastest way to sign up.

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

No two people have the same insurance needs. Finding the right Supplemental Medicare plan can take time, but it will help you ensure your financial health. If you need help, we work with every carrier to compare top plans. We’ll help you find the best option for you in Raleigh. Give us a call or fill out our quotes form to find out more.

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by Lindsay Malzone, Lindsay Malzone is the Medicare expert for Medigap.com. 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.