In Winston-Salem, North Carolina, there are 249,840 beneficiaries enrolled in Medicare plans. 113,836 of these enrollees have Original Medicare, while 54.44% have Medicare Advantage.

Keep reading to learn more about the supplemental plans available for Medicare in Winston-Salem, North Carolina.

Medicare plans in Winston-Salem, North Carolina

Supplemental Medicare plans are also known as Medigap plans. Medigap plans assist beneficiaries with extra costs not covered by other Medicare plans in North Carolina. In Winston-Salem, there are 45.78% male and 54.22% female enrollees, with an average age of 71.

Medicare Advantage plans

In Winston-Salem, Medicare Advantage plans in North Carolina are a popular alternative to Medicare. People living in Forsyth County can select from 44 plans. In Winston-Salem, 136,004 beneficiaries are enrolled in Medicare Advantage plans.

All the Medicare Advantage plans in Winston-Salem have a premium of $0. The most affordable option is Aetna, which has a four-star rating (out of five stars). This plan is a local preferred provider organization (PPO) with a maximum out-of-pocket (MOOP) of $4,500.

Another affordable option is Wellcare, a local PPO similar to Aetna. This option has a MOOP of $5,550 and a three-star rating.

The plan with the highest star rating is UnitedHealthcare, with a perfect five stars. This plan is an HMO-POS, which stands for health maintenance organization (HMO) plan with added point of service (POS) benefits. This plan has a MOOP of $6,700.

The average cost of Medicare Advantage plans in Winston-Salem, North Carolina

PLAN PREMIUM MOOP Plan Type Star Rating
UnitedHealthcare $0 $6,700 HMO-POS 5
Apexhealth $0 $6,500 HMO N/A
Humana $0 $6,950 REGIONAL PPO 4
Aetna $0 $4,500 LOCAL PPO 4
Wellcare $0 $5,550 LOCAL PPO 3

As you’re considering Medicare Advantage plans, check out the top five Medicare Advantage plans of 2022.

Medicare Supplement plans

North Carolina Medicare Supplement plans, or Medigap plans, help cover out-of-pocket costs, or gaps, in Medicare coverage. They can help you cover extra costs, including copayments, coinsurance, and deductibles. Medicare Supplement plan benefits don’t change or vary by state, but the premiums vary.

One of the most popular Medigap plans in Winston-Salem, North Carolina, is Plan G. This plan’s lowest premium is $107.50, and the highest is $327.52. Another popular Medigap plan option for Winston-Salem, North Carolina residents is Plan F. This plan’s lowest premium is $124.13. The highest premium on Plan F is $348.08.

A popular yet affordable plan for Winston-Salem beneficiaries is Plan HDF. This plan’s lowest premium is $34. The highest premium for this plan is $77.68.

The average cost of Medicare Suppleemnt plans in Winston-Salem, North Carolina

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 $34.00 $77.68
PLAN G $107.50 $327.52
PLAN HDG $33.66 $74.36
PLAN K $53.83 $104.00
PLAN L $67.75 $228.36
PLAN M $81.03 $259.51
PLAN N $83.04 $309.72

Medigap rates look different for each beneficiary. Here are the eight factors that will impact your Medigap rates.

Medicare Part D prescription drug plans

Medicare Part D in North Carolina is a plan that covers prescription medication drugs. Once you enroll in Medicare, it’s recommended that you sign up for an affordable Part D plan. However, there are some Medicare Advantage plans that do include prescription drug coverage.

For beneficiaries living in Winston-Salem, the plan with the highest star rating is Humana, with four stars. This plan has a $480 deductible and a $22.70 premium.

A more affordable option is Aetna. This plan has a three-star rating. The deductible is $480, and the premium is $7.

A similar, affordable option comparable to Aetna is Wellcare. This plan is also rated three stars and has a $480 deductible. The premium for this plan is $12.90.

The average cost of Medicare Part D plans in Winston-Salem, North Carolina

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

Wondering why you might need a Part D plan? Learn about the Medicare coverage gap.

Special Needs plans

Special Needs Plans (SNPs) are a subset of Medicare Advantage plans. SNPs are available to people with special needs and chronic disabilities. These plans are not available in all areas.

In Winston-Salem, North Carolina, the most affordable SNP is provided by Wellcare. This plan is a local PPO with a $0 premium. The MOOP is $3,450.

Liberty provides another affordable option for Winston-Salem residents. This plan is a health maintenance organization (HMO) with a $0 premium and a $5,000 MOOP.

Finally, another affordable option is Alignment (HMO). This plan has dual eligibility and a premium of $0. The MOOP for this plan is $6,700.

The average cost of Medicare Special Needs plans in Winston-Salem, North Carolina

PLAN PREMIUM MOOP Plan Type Eligibility
Liberty $0 $5,000 HMO Institutional
Alignment $0 $6,700 HMO Dual
Aetna $0 $7,550 HMO Dual
BCBS of North Carolina $0 $7,550 HMO Dual
Wellcare $0 $3,450 LOCAL PPO Dual

How to sign up for Medicare plans in Winston-Salem

Finding the right plan in Charlotte, North Carolina, can be challenging and time-consuming—but it doesn’t have to be. To make your life easier, we can help you find a plan that works best for you. Give us a call or fill out the form to get started.

Written By:
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Lindsay Malzone, Lindsay Malzone is the Medicare editor for She's been contributing to many well-known publications 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.
Reviewed By:
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Rodolfo Marrero, Rodolfo Marrero is one of the co-founders at He has been helping consumers find the right coverage since the site was founded in 2013. Rodolfo is a licensed insurance agent that works hand-in-hand with the team to ensure the accuracy of the content.