🌲 North Carolina · All 100 counties
Compare every plan in your ZIP code — and enroll yourself, at your own pace.
From the Mountains to the Piedmont to the Coast, North Carolina seniors have more Medicare choices than ever. We explain them in plain English, so you can make your own informed decision. No forms. No sales calls. No pressure.
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Pick one — you can always change your mind.
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Before You Compare
Turning 65? Get Parts A & B first — then come back and choose your NC plan.
Enroll in Original Medicare at SSA.gov. It's free and usually takes about 30 minutes. You'll need Parts A & B before choosing any North Carolina plan.
Use our free comparison tool to see the plans in your NC ZIP code side by side, then enroll yourself when — and only when — you're ready.
All 100 Counties
Tap any county on the map to jump straight to its plan details below.
Hover to see a county's name · Tap a county to view its plans
Your Coverage Options
There's no single "best" plan — only the one that fits your doctors, your prescriptions and your budget. Here's the plain-English version.
An all-in-one alternative to Original Medicare, offered by private insurers. Most use provider networks, so checking your doctors matters.
Works alongside Original Medicare to help pay deductibles and coinsurance. Great if you split time between states.
Stand-alone prescription coverage for Original Medicare. Compare by your medications to see your true yearly cost.
North Carolina Medicare Facts
From the Appalachian Mountains to the Outer Banks, geography shapes your choices. Big-city markets like Charlotte, Raleigh and Greensboro have the most competition — but rural counties have solid options too.
Financial Help & Free Counseling
Key Dates
Missing your window can mean a late-enrollment penalty. Here's when you can act.
| Enrollment period | Dates | What you can do |
|---|---|---|
| Annual Enrollment Period (AEP) Coming up | October 15 – December 7, 2026 | Switch Medicare Advantage or Part D plans, or move between Original Medicare and Medicare Advantage. Changes start January 1, 2027. |
| Initial Enrollment Period (IEP) | 3 months before the month you turn 65, your birthday month, and 3 months after | Sign up for Parts A and B for the first time — and choose a Medicare Advantage or Part D plan. |
| Medigap Open Enrollment | 6 months, starting the month you're 65 or older and enrolled in Part B | The best time to buy a Medigap plan — insurers can't use your health to deny you or charge you more. |
| Medicare Advantage Open Enrollment | January 1 – March 31, 2027 | If you're in Medicare Advantage, make one switch to another MA plan or return to Original Medicare. |
| Special Enrollment Period (SEP) | Triggered by qualifying life events | For example, losing employer coverage, moving, or your plan leaving your area. |
| General Enrollment Period | January 1 – March 31 each year | Sign up for Parts A and/or B if you missed your IEP. Coverage starts the month after you sign up; late penalties may apply. |
Common Questions
The questions North Carolina seniors ask most — answered plainly.
All 100 North Carolina Counties
Every NC county has Medicare Advantage, Medigap and Part D options. Find yours below and compare at your own pace.
Plan counts are approximate. Hospitals listed are major local facilities — networks differ by plan, so always confirm your doctors and hospital in the comparison tool before you enroll.
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Take your time. No rush. No pressure.
Compare North Carolina plans whenever you like, as often as you like. When you're ready — and only then — enroll yourself.
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