Find Medicare Insurance Agents in Durham, North Carolina
Licensed independent agents serving Durham County
Choosing the right Medicare Supplement plan in Durham is one of the most important financial decisions you'll make in retirement. A licensed Medicare insurance agent can walk you through every plan option available in Durham County, compare costs from multiple carriers, and help you enroll — at no cost to you. Agents are paid by the insurance companies, so their guidance is free.
Questions to Ask Medicare Agents in Durham, North Carolina
- Do you represent one Medigap company, or do you represent multiple companies?
- How many Medicare insurance companies are you appointed to sell?
- What is the history of rate increases for the companies you represent?
- What Medigap plans are available in my specific Zip Code?
- Will you meet in person, by phone, or online — and is there any charge for your assistance?
Find a Licensed Medicare Agent Near You in Durham
Use the directory below to connect with licensed, independent Medicare insurance agents serving Durham and the surrounding Durham County area. Independent agents represent multiple carriers so they can compare plans and rates on your behalf.
Find Medicare Agents in Durham →
Facts About Medicare in North Carolina
- Medicare Supplement insurance costs in Durham, North Carolina can vary significantly — by as much as 142.5 percent for virtually identical coverage.
- The lowest Plan F cost for a 65-year-old female non-smoker in Durham is $117.50/month; the highest is $274.34/month — a 133.5% difference.
- The lowest Plan F cost for a 65-year-old male non-smoker in Durham is $130.12/month; the highest is $315.49/month — a 142.5% difference.
- Medigap insurance prices can vary from one Zip Code to the next within the Durham area.
- Costs are based on the 2018 American Association for Medicare Supplement Insurance analysis of Medigap policy providers and are subject to change.
North Carolina Medicare Advantage Plans
The page does not include a specific Medicare Advantage section for the Durham area. Consumers seeking Medicare Advantage options in Durham, North Carolina should consult a local licensed Medicare insurance agent who can compare available plans.
Medigap Insurance Companies in Durham, North Carolina
The following carriers offer Medicare Supplement plans to Durham-area residents. Premiums vary significantly between companies for identical plan benefits — comparing quotes is essential.
- Aetna
- Humana
- UnitedHealthcare
- Cigna
- Mutual of Omaha
Estimated Medigap Plan F Rates — Durham, North Carolina (Zip 27701)
Estimated rates for Zip 27701. Contact a licensed agent for current quotes.
Plan F is no longer available to new Medicare enrollees who became eligible after January 1, 2020. Contact a licensed agent for current Plan G rates.
Plan F Rates
| Gender | Lowest Monthly Premium | Highest Monthly Premium |
|---|---|---|
| Male (Age 65) | $130.12 | $315.49 |
| Female (Age 65) | $117.50 | $274.34 |
Frequently Asked Questions
What is the best Medicare Supplement plan in Durham?
Plan G is the most comprehensive Medigap plan available to new Medicare enrollees. It covers everything Medicare covers except the Part B deductible. Plan N offers lower premiums with small copays for office and ER visits.
When is the best time to enroll in Medicare Supplement in North Carolina?
During your 6-month Medigap Open Enrollment Period, which begins the month you are both 65 and enrolled in Part B. During this window no insurer can deny you coverage or charge more due to health conditions.
Do I need a referral to see a specialist with a Medigap plan?
No. Original Medicare does not require referrals. You can see any specialist who accepts Medicare anywhere in the United States with no prior authorization required.
Can I switch Medicare Supplement plans after I enroll?
Yes, but outside of your Open Enrollment Period you may be subject to medical underwriting. If you are in good health, switching to a lower-cost carrier for the same plan level is often straightforward.