Woman with blood pressure cuff looking at another woman taking her blood pressure

Blood Pressure and Hypertension: Understanding Your Numbers and Insurance Coverage (2025-2026 Guide)

High blood pressure is called the "silent killer" because it often has no symptoms but can lead to heart disease, stroke, kidney damage, and dementia. Here's what you need to know about monitoring and managing your blood pressure.

HealthPlans of NC

What Are Blood Pressure and Hypertension?

Blood pressure measures how hard your blood pushes against the walls of your arteries when your heart pumps. Your arteries are blood vessels that carry blood away from your heart to other parts of your body. Each time your heart beats, it pumps blood through your arteries.

Hypertension is simply the medical term for high blood pressure. High blood pressure typically has no symptoms—which is why it's called the "silent killer"—so getting tested is the only way to know if you have it.

How Common Is High Blood Pressure?

High blood pressure is extremely common in the United States:

  • Nearly half of all U.S. adults (48.1%, or about 120 million people) have high blood pressure

  • Prevalence increases with age: 23% for ages 18–39, 53% for ages 40–59, and 72% for ages 60 and older

  • Men (51%) have higher rates than women (45%)

  • About 1 in 5 adults with high blood pressure don't know they have it

  • In 2023, high blood pressure was a primary or contributing cause of 664,470 deaths in the United States

  • High blood pressure costs the U.S. healthcare system about $131 billion annually

Important: North Carolina is among the states with the highest hypertension prevalence in the country, along with neighboring Southern states.

How Is Blood Pressure Measured?

Your blood pressure reading has two numbers:

  • Systolic pressure (top number): The pressure in your arteries when your heart beats

  • Diastolic pressure (bottom number): The pressure in your arteries between heartbeats when your heart is resting

Blood pressure is measured in millimeters of mercury (mm Hg). A reading is written as systolic/diastolic—for example, 120/80 mm Hg (often said as "120 over 80").

Blood Pressure Categories (2025 AHA/ACC Guidelines)

The American Heart Association and American College of Cardiology released updated blood pressure guidelines in August 2025—the first major update since 2017. The blood pressure categories remain the same:

Category

Reading

What It Means

Normal

Less than 120/80 mm Hg

Maintain healthy lifestyle habits

Elevated

120–129 / less than 80 mm Hg

Likely to develop hypertension without lifestyle changes

Stage 1 Hypertension

130–139 / 80–89 mm Hg

Lifestyle changes; medication may be needed based on cardiovascular risk

Stage 2 Hypertension

140/90 mm Hg or higher

Lifestyle changes plus medication typically needed

Hypertensive Crisis

Higher than 180/120 mm Hg

Seek medical attention immediately

NEW in 2025 Guidelines: The updated guidelines emphasize earlier treatment, stronger brain health protections, and new risk assessment tools:

  • PREVENT™ Risk Calculator: A new tool to predict 10-year and 30-year cardiovascular disease risk, helping doctors personalize treatment plans

  • Brain Health Connection: Research now confirms high blood pressure is linked to cognitive decline and dementia—early treatment can help protect brain health

  • Target Goal: A blood pressure target of less than 130/80 mm Hg is recommended for most adults to reduce the risk of heart disease, stroke, and cognitive decline

  • Home Monitoring: Increased emphasis on home blood pressure monitoring combined with team-based care

How Often Should You Check Your Blood Pressure?

Your doctor will typically check your blood pressure during routine visits. If you haven't seen a doctor recently, here are the general recommendations:

  • Ages 18–40 with normal blood pressure: Check every 2–3 years

  • Ages 40 and older: Check at least once a year

  • High risk for hypertension: Check at least once a year, regardless of age

  • Diagnosed with hypertension: Monitor regularly at home as recommended by your doctor

Who Is at Higher Risk for High Blood Pressure?

Several factors can increase your risk for developing high blood pressure:

  • Age: Risk increases as you get older (72% of adults 60+ have hypertension)

  • Race: Black adults have significantly higher rates (58%) compared to white (49%), Asian (45%), or Hispanic adults (39%)

  • Family history: Having family members with high blood pressure

  • Weight: Being overweight or having obesity

  • Physical inactivity: Not getting enough regular exercise

  • Diet: Eating foods high in sodium and low in potassium

  • Tobacco use: Smoking or using tobacco products

  • Excessive alcohol: Drinking too much alcohol

  • Other conditions: Having diabetes, chronic kidney disease, or certain heart conditions

  • Pregnancy: Being pregnant or having a history of high blood pressure during pregnancy

What Are the Risks of Untreated High Blood Pressure?

High blood pressure is the #1 preventable risk factor for cardiovascular disease. The longer it goes uncontrolled, the more damage it can cause. Complications include:

  • Heart Attack and Heart Disease: High blood pressure causes hardening and thickening of arteries (atherosclerosis), reducing blood flow to your heart

  • Stroke: Blood vessels supplying the brain can burst or become blocked, causing severe disabilities or death

  • Heart Failure: The heart has to work harder to pump blood, causing hthe eart muscle to thicken and eventually struggle to meet the body's needs

  • Kidney Disease or Failure: Damaged blood vessels in the kidneys can prevent them from filtering blood properly

  • Cognitive Decline and Dementia: High blood pressure can damage small blood vessels in the brain, reducing blood flow and increasing risk of vascular dementia (NEW emphasis in 2025 guidelines)

  • Vision Loss: Blood vessels in the eyes can become thickened, narrowed, or torn

  • Aneurysm: Weakened blood vessel walls can bulge and potentially rupture—life-threatening if it occurs

  • Metabolic Syndrome: High blood pressure is one factor in this syndrome that increases the risk of heart disease, stroke, and diabetes

  • Sexual Dysfunction: Can lead to erectile dysfunction in men and reduced sex drive in women

How to Prevent or Manage High Blood Pressure

Lifestyle changes are the first-line treatment for all levels of high blood pressure. These strategies can help prevent, lower, or control blood pressure:

  • Follow the DASH Diet: Emphasizes vegetables, fruits, whole grains, legumes, nuts, low-fat dairy, and lean proteins while reducing saturated fat and added sugars

  • Reduce Sodium: Aim for less than 2,300 mg per day, ideally moving toward 1,500 mg (about 2/3 teaspoon of salt)

  • Exercise Regularly: At least 150 minutes per week of moderate-intensity aerobic activity

  • Maintain a Healthy Weight: Even modest weight loss can help lower blood pressure

  • Limit Alcohol: No more than 1 drink per day for women, 2 for men

  • Quit Smoking: Tobacco raises blood pressure and damages blood vessels

  • Manage Stress: Chronic stress can contribute to high blood pressure

  • Get Adequate Sleep: Poor sleep can affect blood pressure

How Medicare Covers Blood Pressure and Hypertension

Blood Pressure Screening:

Medicare Part B covers blood pressure checks at no cost to you during your:

  • "Welcome to Medicare" Preventive Visit: Available within your first 12 months of Part B enrollment—includes blood pressure measurement, height, weight, BMI, and a written prevention plan

  • Annual Wellness Visit: Available every 12 months after your first year on Medicare—includes blood pressure check as part of developing or updating your personalized prevention plan

You pay $0 for these preventive visits if your provider accepts Medicare assignment. The Part B deductible doesn't apply. However, if your doctor performs additional tests or services during the same visit that aren't covered as preventive care, you may have to pay coinsurance and meet your deductible.

Ambulatory Blood Pressure Monitoring:

If your doctor suspects "white coat syndrome" (elevated blood pressure due to anxiety in medical settings), Medicare Part B may cover ambulatory blood pressure monitoring once per year. You'll wear a device that takes multiple readings over 24–48 hours.

Hypertension Treatment:

Medicare Part B covers medically necessary doctor visits and outpatient tests to diagnose and manage hypertension. After meeting your Part B deductible ($257 in 2025), you typically pay 20% of the Medicare-approved amount.

Blood Pressure Medications (2025-2026):

Original Medicare (Parts A & B) does NOT cover prescription medications you take at home. To get coverage for blood pressure medications, you need:

  • Medicare Part D: A stand-alone prescription drug plan that covers medicines like lisinopril, losartan, amlodipine, metoprolol, and other common blood pressure drugs

  • Medicare Advantage with Part D: Many Medicare Advantage plans include drug coverage

NEW for 2025: Medicare Part D now has a $2,000 annual out-of-pocket cap. Once you reach this limit, your plan pays 100% of covered drug costs for the rest of the year. You can also use the Medicare Prescription Payment Plan to spread costs over the year instead of paying everything upfront.

2025 Part D Costs:

  • Maximum deductible: $590

  • Average premium: ~$47/month

  • Out-of-pocket cap: $2,000

Tip: Many generic blood pressure medications are on preferred tiers with low or $0 copays. Check your plan's formulary to see how your specific medications are covered.

Home Blood Pressure Monitors:

Medicare Part B generally does NOT cover home blood pressure monitors, with limited exceptions:

  • Home dialysis patients: Part B covers a manual blood pressure monitor and a stethoscope

  • Ambulatory monitors: May be covered once per year when prescribed by a doctor (Medicare pays 80% after deductible)

If you need to purchase a home blood pressure monitor, they're available at pharmacies and retailers, typically ranging from $30–$100. Look for validated brands like Omron.

What About Private Health Insurance?

Under the Affordable Care Act, all Marketplace health plans and most private health insurance plans must cover blood pressure screening at no cost as a preventive service. This applies even if you haven't met your yearly deductible.

To access this coverage at no cost, make sure you:

  • Use a doctor in your plan's network

  • Schedule the visit as a preventive/wellness exam

  • Understand that additional tests or treatment during the same visit may incur costs

Private insurance typically covers blood pressure medications through your plan's pharmacy benefit. Coverage varies by plan and medication, so check your formulary for specific drugs and costs. Some plans cover home blood pressure monitors—check with your provider.

What If You Don't Have Health Insurance?

If you don't have insurance and don't see a doctor regularly, you can still get your blood pressure checked:

  • Community health centers and clinics: Often offer free or low-cost screenings

  • Health fairs: Free blood pressure screenings are common

  • Pharmacies: Many stores have free blood pressure machines, though accuracy can vary

  • Home monitors: Purchase your own validated device for regular monitoring

Important: For accurate readings, use the correct cuff size for your arm, sit quietly with feet flat on the floor, and don't talk during the reading. Pharmacy machines may not be calibrated accurately—a home monitor with validated accuracy is preferable for regular monitoring.

Need Help Understanding Your Coverage?

At Health Plans of NC, our experienced local health insurance agents can help you understand your options for blood pressure screening, treatment, and medication coverage. We specialize in helping North Carolina residents find the right health insurance plan—whether you need:

  • Medicare Part D prescription drug coverage for blood pressure medications

  • Medicare Advantage plans with comprehensive drug coverage

  • ACA Marketplace plans with preventive care coverage

  • Individual or family health insurance plans

Whether you're in Charlotte, Raleigh, Greensboro, Durham, or anywhere in North Carolina, we can help you find coverage that fits your health needs and budget.

Ready to get started?

See plans and pricing today.