Wake County continues to grow leaps and bounds. Every single year, it is touted as one of the best places to retire, to raise a child or to go to school. In essence, it is a fantastic place to reside in the great state of North Carolina. If you are in Zebulon, Wendell, Knightdale, Garner, Wake Forest, Cary, Holly Springs or Raleigh, it is important to understand there are plenty of options available when it comes to getting the lowest NC medigap and medicare supplement rates.  Most major insurance companies that you know from TV and radio commercials are going to have a presence in Wake County.

Before deciding to go with a name like Blue Cross Blue Shield of North Carolina, remember there are ways to do your research online. Now that Medicare.gov is very advanced, those over 65 or just turning 65 can look on the website to see their current policy options.

For a frame or reference, here are the price ranges for the different policies in Wake County, North Carolina:

  • Policy A – $77 – $218
  • Policy B – $114 – $249
  • Policy C – $135 – $283
  • Policy D – $119 – $214
  • Policy F – $127 – $238
  • Policy F Highly Deductible – $26 – $80
  • Policy G – $94 – $209
  • Policy K – $46 – $97
  • Policy L – $78 – $136
  • Policy M – $104 – $157
  • Policy N – $84 – $218

With companies such as Aetna, Covernty, Blue Cross Blue Shield of North Carolina, Old Surety, AARP and Cigna available in Wake County there is no reason to feel as if your opportunities are limited. We strongly suggest looking at a number of different options and to remember that just because a price is lower, it does not mean it is the best policy or company for you. Sometimes, customer service is worth the extra $5 a month. You will understand this when you sit on hold for two hours trying to talk with your insurance company.

All Medigap policies must cover a basic set of benefits. These basic benefits include most Medicare Part A and B coinsurance amounts, blood, and additional hospital benefits not covered by Original Medicare.

  • Part A Hospital Coinsurance
    • Days 61-90 of a hospital stay in each Medicare benefit period
    • Days 91-150 of a hospital stay. Medicare will only pay for these 60 days once during your lifetime
  • Additional Part A Hospital Benefits
    • An extra 365 days of inpatient hospital care after you use your Original Medicare hospital benefits
  • Part B Coinsurance
    • Pays Full or Partial Coverage for the Part B coinsurance after you meet your annual deductible.*
  • Pays Full or Partial Coverage for the first three pints of blood per calendar year.
  • Part A Hospice Coinsurance
    • Pays for coverage of certain “Medicare covered” Part B drugs obtained in a doctor’s office, pharmacy or in a hospital outpatient setting and inpatient respite care coinsurance.

If you have any questions as it pertains to the lowest possible Medigap rates in the state of North Carolina do not hesitate to comment below as we will be able to help you find what you are looking for. Wake County offers some unique opportunities so do not allow a specific agent or provider to push you into a corner.