Find Your Most Affordable Health Insurance Plan in Bertie County
in North Carolina
Bertie County residents can compare 15 health insurance options for 2026.
Blue Advantage gives you access to our largest nationwide network. This is a good option if you want a broad choice of in-network doctors, specialists and hospitals.
More in-network providers in North Carolina, with over 95% of doctors and 98% of hospitals in-network1
Fewer restrictions on which providers you can see
Nationwide access to in-network providers through BlueCard®2
Emergency services covered at the in-network benefit level regardless of where you go for care
Notes
Blue Cross NC Provider Internal Data; percentages indicated represent the Blue Cross NC PPO Network as of April 7, 2025.
Covered in nearly 200 countries and territories worldwide through the Blue Cross and Blue Shield Association BlueCard program. www.geo-blue.com/ (Accessed March 2025). BlueCard coverage varies for each Blue Cross and Blue Shield plan. For more complete details, including benefits, limitations, and exclusions, please refer to your certificate of coverage.
Blue Advantage is available on and off Marketplace to residents in all North Carolina counties EXCEPT the following, where it is available only off Marketplace: Alamance, Anson, Cabarrus, Caswell, Chatham, Cleveland, Davidson, Davie, Durham, Forsyth, Franklin, Gaston, Johnston, Lee, Lincoln, Mecklenburg, Orange, Person, Rowan, Stanly, Stokes, Surry, Union, Wake, and Yadkin.
Blue Care gives you access to our largest statewide network. This is a good option if you want a broad choice of in-network doctors, specialists and hospitals.
More than 92% of doctors and 97% of hospitals in North Carolina are in-network.1
All doctors outside the Blue Care provider network are considered out-of-network and not covered. Out-of-network benefit coverage is not available except for emergency services, urgent care and for medically necessary covered services when an in-network provider is not reasonably available per the access to care standards of Blue Cross and Blue Shield of North Carolina (Blue Cross NC).
Out-of-state providers are also out-of-network and not covered. When traveling outside of North Carolina or the United States, only emergency services and urgent care will be covered at the in-network benefit level. All other non-emergency services will be out-of-network and not covered.
Blue Care is available in all North Carolina counties, except: Alamance, Caswell, Chatham, Durham, Franklin, Johnston, Lee, Orange, Person, and Wake.
in North Carolina
Find affordable health insurance in Bertie County, NC with Health Plans of NC. Health Plans of NC helps Bertie County residents find affordable health insurance for 2026 by connecting them with ACA Marketplace plans, Medicaid, and employer-sponsored coverage options. Bertie County's largest employers, including Perdue Farms and the NC Department of Adult Corrections, employ many local residents who may still benefit from reviewing their coverage options each year.
Plan Network | Type | Network Coverage |
|---|---|---|
Blue Advantage | PPO | Largest nationwide network, 95%+ of NC doctors in-network |
Blue Care | PPO | Broad statewide network, 92%+ of NC doctors in-network |
Bertie County is home to approximately 17,482 residents, with a population that has declined 2.5 percent since 2020 and a foreign-born resident share of 1.7 percent, reflecting a close-knit rural community with distinct coverage needs. Major employers including Perdue Farms, Bertie County Schools, the NC Department of Adult Corrections, the County of Bertie, and Packers Sanitation Services provide some employer-sponsored coverage, but many workers and families still rely on ACA Marketplace or Medicaid options. ECU Health anchors the local health system through ECU Health Bertie Hospital in Windsor, giving residents a foundation of care that most available plans connect to in some form.
ACA Marketplace plans are available to Bertie County working adults and families who do not have access to qualifying employer-sponsored coverage through employers like Perdue Farms or Bertie County Schools.
Medicaid coverage is available to eligible low-income Bertie County residents following North Carolina's Medicaid expansion, providing access to primary and preventive care through the ECU Health system.
Employer-sponsored group health plans offered by major Bertie County employers such as the NC Department of Adult Corrections and the County of Bertie cover many local government and corrections workers.
Short-term health plans can provide temporary coverage for Bertie County residents between jobs or waiting for open enrollment, though they do not include all ACA-required benefits.
COBRA continuation coverage allows Bertie County residents who lose job-based insurance through employers like Packers Sanitation Services to maintain their existing plan for a limited period.
Small business SHOP Marketplace plans are available for qualifying Bertie County small employers who want to offer group health coverage to their workers and may qualify for small business tax credits.
For 2026, Blue Cross NC offers plans in Bertie County through two distinct provider networks, Blue Advantage and Blue Care, both structured as PPO plans that give enrollees flexibility in accessing providers without requiring referrals. Blue Advantage is the larger of the two networks, covering more than 95 percent of North Carolina doctors in-network, while Blue Care provides broad statewide PPO access covering more than 92 percent of NC doctors. Both networks connect Bertie County residents to local facilities including ECU Health Bertie Hospital in Windsor, as well as regional ECU Health facilities in Ahoskie, Edenton, and Tarboro.
Blue Advantage, a PPO network, includes more than 95 percent of NC doctors in-network and connects Bertie County residents to ECU Health Bertie Hospital and the broader ECU Health regional system.
Blue Care, a PPO network, covers more than 92 percent of NC doctors statewide and provides Bertie County enrollees with broad access to hospitals and specialists across eastern North Carolina.
Both Blue Advantage and Blue Care PPO plans allow Bertie County residents to see out-of-network providers, though at a higher cost-share than in-network visits.
Blue Advantage PPO plans are available across multiple coverage tiers, from entry-level high-deductible options to more comprehensive plans with lower out-of-pocket maximums for Bertie County residents.
Blue Care PPO plans offer Bertie County residents a strong statewide network that includes regional referral centers beyond the immediate Bertie County area, useful for specialty care not available locally.
Health Plans of NC agents can help Bertie County residents compare Blue Advantage and Blue Care side-by-side to confirm that ECU Health Bertie Hospital and preferred local providers are in-network before enrolling.
Bronze plans in Bertie County start at approximately $427.27/month before subsidies. With a median household income of $45,931, many residents qualify for premium tax credits. Subsidies may reduce your monthly premium significantly based on income.
Bronze plans in Bertie County start at $427.27 per month before subsidies, offering the lowest monthly premiums with higher deductibles and out-of-pocket costs when care is needed.
Silver plans in Bertie County start at $549.92 per month before subsidies and are the only tier eligible for cost-sharing reductions, which lower deductibles and copays for qualifying lower-income residents.
Gold plans in Bertie County start at $587.73 per month before subsidies and feature lower out-of-pocket maximums, making them well-suited for residents who use medical services frequently.
Bertie County residents with household incomes between 100 percent and 400 percent of the federal poverty level qualify for premium tax credits that can reduce monthly costs by hundreds of dollars depending on family size.
Residents with incomes between 100 percent and 150 percent of the federal poverty level may qualify for a $0 premium Silver plan after tax credits are applied, making comprehensive coverage available at no monthly cost.
Health Plans of NC provides free personalized quotes with exact subsidy calculations so Bertie County residents know their actual net monthly premium before enrolling in any plan.
For 2026, Blue Cross NC is the sole carrier offering ACA-compliant Marketplace plans in Bertie County, with 15 plans available across multiple coverage tiers. Those 15 plans are offered through two PPO networks, Blue Advantage and Blue Care, giving residents a choice between the largest statewide network and a broad regional alternative. Blue Advantage connects Bertie County enrollees to more than 95 percent of NC doctors and facilities including ECU Health Bertie Hospital, while Blue Care provides access to more than 92 percent of NC doctors with similarly strong regional reach. The network a Bertie County resident selects directly determines which hospitals, specialists, and primary care providers are covered at in-network rates, making it essential to verify that preferred providers are included before enrolling. Health Plans of NC compares every one of the 15 available Blue Cross NC plans side-by-side at no cost, helping residents identify the right network and coverage tier without navigating the process alone.
Blue Cross NC, PPO plans through Blue Advantage and Blue Care networks, 15 plans available in Bertie County for 2026.
North Carolina expanded Medicaid in December 2023, extending eligibility to adults earning up to 138 percent of the federal poverty level and opening coverage to tens of thousands of previously uninsured residents statewide. In Bertie County, the uninsured rate stands at 11.2 percent, representing approximately 2,000 residents without coverage, many of whom may now qualify for Medicaid or a heavily subsidized Marketplace plan. Children in families earning up to 210 percent of the federal poverty level may qualify for NC Health Choice, the state's CHIP program, which provides low-cost or free coverage for routine and preventive care. Bertie County's poverty rate of 19.8 percent means a significant share of residents are likely income-eligible for Medicaid, and Health Plans of NC can conduct a free eligibility check to help uninsured residents determine whether they qualify.
Working adults in Bertie County earning at or below 138 percent of the federal poverty level now qualify for full Medicaid coverage following North Carolina's expansion.
Children in Bertie County families earning up to 210 percent of the federal poverty level may qualify for NC Health Choice, also known as CHIP, which covers pediatric visits, immunizations, and dental care.
Pregnant women in Bertie County qualify for Medicaid coverage at higher income thresholds than the standard adult limit, ensuring prenatal and delivery care is accessible.
Seniors and adults with disabilities in Bertie County with low incomes may qualify for Medicaid programs that cover long-term care, home health services, and Medicare cost-sharing assistance.
Bertie County's poverty rate of 19.8 percent means roughly one in five residents may be income-eligible for Medicaid, and many may not yet know they qualify following the 2023 expansion.
Health Plans of NC licensed agents serve Bertie County residents at no cost, comparing all available plans side-by-side and guiding each resident through the enrollment process from start to finish. Call 800-797-0327 today to get a free personalized quote and find out exactly how much your coverage will cost after subsidies are applied.
Call 800-797-0327 (toll free) or 704-303-8256 to speak with a licensed agent and schedule a free appointment
Email [email protected] with questions about plans available in Bertie County
Find a licensed agent and book directly at healthplansofnc.com/agents
No cost, no pressure. Health Plans of NC agents work for you, not the carrier.
Hospital | Address | Phone |
|---|---|---|
ECU Health Bertie Hospital | 1403 S King St, Windsor, NC 27983 | (252) 794-6600 |
ECU Health Chowan Hospital | 211 Virginia Rd, Edenton, NC 27932 | (252) 482-8451 |
ECU Health Edgecombe Hospital | 111 Hospital Dr, Tarboro, NC 27886 | (252) 641-7700 |
ECU Health North Hospital | 250 Smith Church Rd, Roanoke Rapids, NC 27870 | (252) 535-8011 |
ECU Health Roanoke-Chowan Hosp | 500 Academy St S, Ahoskie, NC 27910 | (252) 209-3000 |
Martin General Hospital | 310 S Mccaskey Rd, Williamston, NC 27892 | (252) 809-6300 |
Outer Banks Hospital | 4800 S Croatan Hwy, Nags Head, NC 27959 | (252) 449-4500 |
Sentara Albemarle Medical Ctr | 1144 N Road St, Elizabeth City, NC 27909 | (252) 335-0531 |
Washington Regional Med Ctr | 958 US Highway 64 E, Plymouth, NC 27962 | (252) 793-4135 |
Clinic | Address | Phone |
|---|---|---|
ECU Health Endocrinology-Ahsk | 226 Academy St S, Ahoskie, NC 27910 | (252) 209-3991 |
ECU Health Family Medicine | 1124 Harvey Point Rd, Hertford, NC 27944 | (252) 426-2946 |
ECU Health Family Medicine | 1385 Medical Center Dr # 4942, Roanoke Rapids, NC 27870 | (252) 537-9176 |
ECU Health Heart-Vascular Care | 220 Smith Church Rd, Roanoke Rapids, NC 27870 | (252) 537-9268 |
ECU Health Internal Medicine | 104 Mark Dr, Edenton, NC 27932 | (252) 482-5171 |
ECU Health Multispecialty | 113 Virginia Rd, Edenton, NC 27932 | (252) 482-3047 |
ECU Health Neurology-Edenton | 203 Earnhart Dr # B, Edenton, NC 27932 | (252) 482-5868 |
ECU Health Orthopedics-Roanoke | 171 N Carolina 125, Roanoke Rapids, NC 27870 | (252) 537-5631 |
ECU Health Pulmonology-Ahoskie | 222 Academy St S, Ahoskie, NC 27910 | (252) 209-3440 |
ECU Health Sleep Medicine | 240 Smith Church Rd # A, Roanoke Rapids, NC 27870 | (252) 535-1082 |
Halifax Regional Med Ctr Inc | 250 Smith Church Rd, Roanoke Rapids, NC, 27870, Not AvailableIsland Medical Ctr, 715 US Highway 64, Manteo, NC 27954 | (252) 473-2500 |
Sentara Vascular Specialists | 5200 N Croatan Hwy # 6, Kitty Hawk, NC 27949 | (252) 255-6125 |
Signature Healthcare | 305 E 14th St, Roanoke Rapids, NC 27870 | (252) 537-6181 |
Vidant Sleep Medicine-Roanoke | 240 Smith Church Rd, Roanoke Rapids, NC 27870 | (252) 535-1082 |
Bertie County ZIP Codes include: 27847, 27849, 27872, 27924, 27957, 27967, and 27983
