Greensboro Medicare Cost Calculator
Two paths, one year of costs, real 2025 plan figures from Guilford County. Move the sliders and see the math. This estimates. It does not recommend.
Your numbers and answers stay on your device.
Medigap premiums rise with age. The estimate uses real filed NC rates.
In the Guilford County service area.
Count each regular prescription once.
Include primary care and specialists.
On these inputs, Medicare Advantage comes out about $2,917 lower per year. That is math, not advice. Your health, your doctors, and your prescriptions decide what fits.
What these numbers assume. Part B at the 2025 standard ($185/month). Medigap Plan G at Blue Cross NC filed non-tobacco rates for your age. A typical $0-premium Advantage plan with average copays. Generic drug costs. Real quotes depend on the insurer, your exact age, tobacco use, and the drugs you take. Nothing here is a recommendation.
Want real numbers for your situation?
Talk to Christian: (919) 408-6671Free. No obligation. You get him, not a call center.
2025 Medicare Advantage plans in the Greensboro area
These are real published 2025 figures for plans sold in North Carolina, from plan Summaries of Benefits and the NC Department of Insurance plan landscape. Availability varies by county and plan year. Verify anything current on Medicare.gov before deciding.
| Plan | Monthly premium | Max out-of-pocket | PCP / Specialist | Source |
|---|---|---|---|---|
| AARP Medicare Advantage from UHC NC-26 (HMO-POS) UnitedHealthcare | $0 | $4,900 in-network | $0 copay / Varies | 2025 plan details via q1medicare.com |
| Aetna Medicare Signature (HMO) Aetna | $0 | See plan documents | $0 copay / $35 copay | 2025 Summary of Benefits |
| Aetna Medicare Value (PPO) Aetna | $0 | $6,750 | $0 copay / Varies | 2025 Summary of Benefits |
| HumanaChoice Regional PPO Humana | $0 | $7,550 | Varies / Varies | NC DOI 2025 MA landscape |
| Blue Medicare Freedom+ (PPO) Blue Cross NC | $0 | $9,350 | Varies / Varies | NC DOI 2025 MA landscape |
Medigap Plan G premiums in North Carolina
Filed non-tobacco monthly rates from Blue Cross and Blue Shield of North Carolina (June 2026 to May 2027 rate outline). Your quote depends on the insurer, your exact age, and tobacco use. Every Medigap Plan G covers the same benefits by law, only the price changes.
| Age | Female, non-tobacco | Male, non-tobacco |
|---|---|---|
| 65 | $196.50/mo | $224.75/mo |
| 67 | $210.00/mo | $240.25/mo |
| 70 | $228.50/mo | $261.50/mo |
| 72 | $239.00/mo | $273.50/mo |
| 74 | $249.25/mo | $285.25/mo |
Source: BCBS NC Blue Medicare Supplement rate outline, nchealthplans.com. Showing selected ages; the calculator uses the full 65 to 74 table.
Questions people ask about this calculator
Are these real Greensboro plan prices?
The Medicare Advantage figures come from published 2025 Summaries of Benefits and the NC Department of Insurance 2025 plan landscape. The Medigap Plan G premiums are Blue Cross NC's filed non-tobacco rates by age. Plan availability and prices vary by county and change every year, so always verify current details on Medicare.gov before deciding anything.
Does this calculator recommend a plan?
No. It estimates yearly costs two different ways so you can see the tradeoff: Medigap costs more every month but caps surprises, while Medicare Advantage usually costs less monthly but you pay as you go. Which fits you depends on your health, doctors, drugs, and budget. Talk to a licensed agent before enrolling.
Why does Medicare Advantage look cheaper here?
Most MA plans in Guilford County have $0 monthly premiums, so the estimate starts lower. But the estimate assumes average health. A bad year with hospital stays can push MA costs toward the plan's maximum out-of-pocket, which runs $4,900 to $9,350 on 2025 NC plans. Medigap Plan G has no such ceiling risk because it covers nearly all cost sharing after the Part B deductible.
What is missing from these estimates?
Dental, vision, and hearing extras some MA plans bundle; drug costs beyond generics; any Part B late-enrollment penalty; and income-related premium surcharges (IRMAA). The Medigap premium shown is one carrier's filed rate, and your actual quote depends on the insurer, your exact age, and tobacco use.
Do I still pay the Part B premium with Medicare Advantage?
Yes. Almost everyone pays the Part B premium ($185/month in 2025) no matter which path they take. A few MA plans give part of it back, but that is the exception, not the rule.
Want the full picture? Read Turning 65 in Greensboro, Advantage plans in Greensboro, Medigap plan letters, Part D drug coverage, or Advantage vs Medigap.
Christian BrinkleyNC Life & Health · Greensboro, NC
Want help running your real numbers?
Bring your doctors, your prescriptions, and your pharmacy. We will compare actual plans available in Guilford County, not estimates.
Free consultation in person or by phone. It’s me who answers. Calls and appointments 9am to 5pm, Monday through Saturday, Eastern time.
By Christian Brinkley, Licensed NC Insurance Agent (NPN 22217190). Last updated October 2026.
Sources: Medicare.gov, CMS.gov