in Chatham County and Wake County
Cary, North Carolina residents have access to 9 Medicare plans for 2026 through Blue Cross NC, and Health Plans of NC licensed agents are available to help local seniors compare every option at no cost, including plans that work with UNC Hospitals and Chatham Hospital.
Cary, North Carolina is home to approximately 25,000 Medicare-eligible residents, representing about 13.9% of the town's total population of 176,686, making it one of the most active Medicare markets in Wake County. Seniors in Cary can choose from multiple Medicare coverage types, including Medicare Advantage, Medicare Supplement, Part D prescription drug plans, and Dual Special Needs Plans, giving local beneficiaries meaningful options based on their health needs and budget. UNC Hospitals and Chatham Hospital both accept Medicare, ensuring that Cary residents can access hospital care, surgical services, and specialist networks regardless of which Medicare coverage type they select.
Plan Name | Type | Monthly Premium |
|---|---|---|
Blue Medicare Medical Only | HMO-POS | $0.00/month |
Blue Medicare Essential | HMO | $0.00/month |
Blue Medicare Essential Plus | HMO-POS | $0.00/month |
Blue Medicare Choice | HMO | $0.00/month |
Blue Medicare Enhanced | HMO-POS | $40.00/month |
Blue Medicare PPO Enhanced | PPO | $53.00/month |
Blue Medicare Freedom+ | HMO-POS | $0.00/month |
Healthy Blue Medicare (D-SNP) | HMO-POS | $0.00/month |
Blue Medicare Rx Enhanced PDP | PDP | $163.20/month |
Medicare Advantage HMO plans are available in Cary, North Carolina and provide coordinated care through local networks that include UNC Hospitals and Chatham Hospital.
Medicare Advantage HMO-POS plans offer Cary seniors the flexibility to see out-of-network providers in some cases while still maintaining access to local health systems.
Medicare Advantage PPO plans in Cary, North Carolina give beneficiaries broader provider choice, including access to specialists affiliated with UNC Hospitals.
Medicare Supplement (Medigap) plans allow Cary seniors to use any Medicare-accepting provider nationwide, including UNC Hospitals and Chatham Hospital, with predictable cost-sharing.
Part D Prescription Drug Plans are available as standalone coverage for Cary residents who choose Original Medicare or a Medicare Supplement plan.
Dual Special Needs Plans (D-SNP) are available in Cary, North Carolina for residents who qualify for both Medicare and Medicaid, coordinating care across local health systems.
For 2026, Blue Cross NC offers nine Medicare plans to Cary, North Carolina residents, spanning HMO, HMO-POS, PPO, PDP, and D-SNP plan types, with several options carrying a $0 monthly premium. Plans such as Blue Medicare Essential, Blue Medicare Freedom+, and Blue Medicare Medical Only provide access to local provider networks including UNC Hospitals and Chatham Hospital, while the Blue Medicare PPO Enhanced plan offers broader statewide flexibility. The Blue Medicare Rx Enhanced PDP serves as a standalone prescription drug option for Cary seniors who prefer to keep their Original Medicare coverage separate from drug benefits.
Blue Medicare Medical Only, HMO-POS, $0.00 per month, provides medical coverage through local networks including providers affiliated with UNC Hospitals in North Carolina.
Blue Medicare Essential, HMO, $0.00 per month, offers coordinated care through a local HMO network with access to Chatham Hospital and other regional facilities.
Blue Medicare Essential Plus, HMO-POS, $0.00 per month, adds point-of-service flexibility to the HMO structure, allowing some out-of-network access for Cary seniors.
Blue Medicare Choice, HMO, $0.00 per month, delivers managed care coverage through a local network designed to coordinate care for Cary, North Carolina beneficiaries.
Blue Medicare Enhanced, HMO-POS, $40.00 per month, may include additional benefits such as dental, vision, or hearing coverage beyond standard Medicare for local seniors.
Blue Medicare PPO Enhanced, PPO, $53.00 per month, provides broader provider access across North Carolina, including both in-network and out-of-network options for Cary residents.
Blue Medicare Freedom+, HMO-POS, $0.00 per month, combines the structure of an HMO with point-of-service flexibility for Cary seniors seeking local network coverage.
Healthy Blue Medicare DSNP, HMO-POS, $0.00 per month, is designed for Cary residents who qualify for both Medicare and Medicaid, coordinating benefits across both programs.
Blue Medicare Rx Enhanced PDP, standalone prescription drug plan, $163.20 per month, provides drug coverage for Cary seniors enrolled in Original Medicare or a Medigap policy.
In 2026, Blue Cross NC Medicare Advantage plan premiums in Cary, North Carolina range from $0.00 per month for plans like Blue Medicare Essential and Blue Medicare Freedom+ up to $53.00 per month for the Blue Medicare PPO Enhanced, giving seniors a wide range of price points to consider. The standalone Blue Medicare Rx Enhanced PDP carries a monthly premium of $163.20 for Cary residents who need prescription drug coverage outside of an Advantage plan. With a median household income of $129,399, many Cary seniors may fall above income thresholds for premium subsidies such as IRMAA adjustments, but lower-income residents may still qualify for programs that meaningfully reduce their total Medicare costs, and a Health Plans of NC agent can identify those opportunities at no charge.
Part A: $0 premium for most Cary, North Carolina residents who paid Medicare taxes for 10 or more years. The Part A hospital deductible is $1,736 in 2026.
Part B: $202.90 per month standard premium in 2026, an increase from $185.00 in 2025. Higher-income residents pay more through income-related monthly adjustment amounts.
Medicare Supplement (Medigap): $80 to $300 or more per month depending on plan letter and age, covers gaps not paid by Original Medicare.
For 2026, Blue Cross NC is the Medicare carrier serving Cary, North Carolina, offering a total of 9 Medicare plans to eligible local residents during the Annual Enrollment Period. The Blue Cross NC plan lineup includes HMO, HMO-POS, PPO, PDP, and D-SNP plan types, giving Cary seniors a broad range of structures to match their healthcare preferences and financial situation. Blue Cross NC carrier networks are built to work with local health systems in the Cary area, including UNC Hospitals and Chatham Hospital, which provide hospital care, surgical services, and specialty treatment to Medicare beneficiaries. The plan type a Cary senior selects directly affects which local hospitals, primary care physicians, and specialists they can access, making it essential to verify that preferred providers are in-network before enrolling in any plan. Health Plans of NC licensed agents compare every Blue Cross NC Medicare plan side-by-side at no cost, ensuring Cary residents can make a fully informed decision.
Blue Cross NC, offering HMO, HMO-POS, PPO, PDP, and D-SNP plan types, with 9 total Medicare plans available to Cary, North Carolina residents for 2026.
Cary, North Carolina residents with limited income and resources may qualify for Extra Help, also known as the Low Income Subsidy, which can reduce Part D prescription drug costs to near $0 per month for eligible beneficiaries. Medicare Savings Programs can help qualifying Cary seniors have their Part B premiums covered by the state of North Carolina, significantly lowering their monthly Medicare expenses. Cary has an uninsured rate of 5.4% and a poverty rate of 5.3%, and residents in those lower-income brackets may be eligible for Medicaid, D-SNP plans, or other assistance programs that coordinate benefits with Medicare. Health Plans of NC agents check eligibility for all available assistance programs at no cost and can help Cary residents apply for the programs that best fit their financial situation.
Extra Help (Low Income Subsidy) can reduce or eliminate Part D prescription drug premiums and copays for qualifying Cary, North Carolina Medicare beneficiaries.
Medicare Savings Programs may cover Part B premiums for Cary seniors who meet income and resource requirements set by the state of North Carolina.
The Healthy Blue Medicare D-SNP is available in Cary for residents who qualify for both Medicare and Medicaid, providing coordinated dual-eligible coverage.
NC Medicaid provides additional financial protection for low-income Cary residents who may also be transitioning onto or already enrolled in Medicare.
Health Plans of NC agents help Cary, North Carolina residents check eligibility for all financial assistance programs and assist with enrollment at no cost to the beneficiary.
Health Plans of NC licensed agents serve Cary, North Carolina residents at absolutely no cost, comparing every available 2026 Medicare plan side-by-side and assisting with enrollment, plan changes, and annual reviews. Call 800-797-0327 today to speak with a local Medicare expert who can help you find the right coverage for your providers, prescriptions, and budget.
Call 800-797-0327 (toll free) or 704-303-8256 to speak with a licensed Medicare agent and schedule a free appointment
Email [email protected] with questions about Medicare plans available in Cary, North Carolina
Find a licensed agent and book directly at healthplansofnc.com/agents
No cost, no pressure. Walk-ins by appointment only, phone and email welcome anytime.
Enrolled in Part A and Part B? Get more with Blue Medicare Supplement Original Medicare only covers some of your medical costs. That’s why Blue Cross and Blue Shield of North Carolina (Blue Cross NC) offers reliable Medicare Supplement plans to help lessen the worries over what Medicare doesn’t cover.
• Coverage for the costs not covered by Original Medicare (Parts A and B) • The freedom to see any Medicare-participating provider nationwide that accepts Medicare • Rates as low as $31.50 per month1 • Flexibility to change plans • Fitness benefit and hearing benefit on all five plans
With some insurers, you can get locked into a plan that may not be right for you. But thanks to our exclusive Blue-to-Blue program, if your needs change over time, Blue Cross NC gives you the flexibility to switch Medicare plans:2 • Without additional medical exams • Without underwriting or additional health questions • Without any hassle
You cannot be turned down for Blue Medicare Supplement, and may not have to complete a medical questionnaire, if you meet all of the following criteria: • You are age 65 or older, or under age 65 and are eligible for Medicare due to disability3 • You enroll within six months of enrolling in Medicare Part B • You are not covered by certain Medicaid programs • You are a resident of North Carolina
If you enroll early, you may be eligible for a Medicare Supplement plan without waiting periods for pre-existing conditions. If you wait until after your deadline to enroll, you may have a waiting period for pre-existing conditions.
Fitness memberships at in-network facilities using the designated provider. Unlimited access to the vendor’s online platform. SilverSneakers is more than a traditional fitness program. It’s a way to improve your health and live the life you want.
In the gym:
• Thousands of participating locations4 nationwide with various amenities • Ability to enroll at multiple locations at any time • SilverSneakers classes5 designed for all levels and abilities
At home or on the go: • SilverSneakers LIVE online classes and workshops led by specially trained instructors, 7 days a week • SilverSneakers On-Demand videos available 24/7 • SilverSneakers GO mobile app with personalized program resources, adjustable workout plans, and more
In your community: • Group activities and classes5 offered outside the gym
Always talk with your doctor before starting an exercise program.
TruHearing covers one hearing aid per ear per year for a low copay of $499 for Standard hearing aids, $699 for Advanced hearing aids or $999 for Premium hearing aids. Also, as part of the program, a TruHearing provider will help you choose the best hearing aid for your lifestyle and unique hearing needs.
Blue Cross NC is more than a health insurance company. We’re North Carolinians serving North Carolinians. For over 90 years, we’ve been in your community, giving back and listening to how we can provide access to the quality care you deserve.
• Compare plan benefits • Get a free rate quote
Notes: • For costs and further details of the coverage, including exclusions, any reductions or limitations, and terms under which the policy may be continued in force, contact your agent or the company. • Plan A: BMS A, 1/26; Plan G: BMS G, 1/26; Plan G-HD: BMS HDG, 1/26;Plan K: BMS K, 1/26; Plan N: BMS N, 1/26. • Agent/Agency is an independent authorized Agent/Agency licensed to sell and promote products from Blue Cross NC. The content contained in this site is maintained by Agent/Agency. • Medicare Supplement insurance plans are not connected with or endorsed by the U.S. government or the federal Medicare program. • Policy benefits are limited to those approved by Medicare for payment.
Disclaimers: • Blue Cross NC contracts with independent companies to provide supplemental benefits. These companies are responsible for the services they provide. They do not provide Blue Cross or Blue Shield products or services. Marks and trade names are property of their respective owners. This fitness program is not an insurance offering. • SilverSneakers is a registered trademark of Tivity Health, Inc. © 2025Tivity Health, Inc. All rights reserved. • TruHearing is a registered trademark of TruHearing, Inc. TruHearing is an independent company and does not offer Blue Cross or Blue Shield products or services. This program may change or be discontinued at any time. This is not an insurance offering.
1 Example for a female non-smoker, age 65. Premium rates can vary based on a number of factors. Contact Blue Cross NC or your Authorized Independent Agent to learn more. 2 Blue-to-Blue is only available when you switch from one Blue Cross NC medical plan (limitations apply) to a Blue Cross NC Medicare plan. You may only switch during designated times of the year. Certain other limits apply. Contact the plan or your Authorized Independent Agent for more information. 3 Guaranteed acceptance for those under age 65 who have Medicare due to disability is limited to Plan A and Plan G. 4 Participating locations (PL) are not owned or operated by Tivity Health, Inc. or its affiliates. Use of PL facilities and amenities is limited to terms and conditions of PL basic membership. Facilities and amenities vary by PL. Inclusion of specific PLs is not guaranteed and PL participation may differ by health plan. 5 Membership includes SilverSneakers instructor-led group
®, SM are marks of the Blue Cross and Blue Shield Association, an association of independent Blue Cross and Blue Shield plans. All other marks and names are property of their respective owners. Blue Cross and Blue Shield of North Carolina is an independent licensee of the Blue Cross and Blue Shield Association. U4093, 12/25
Cary, North Carolina ZIP Codes include: 27511, 27512, 27513, 27518, and 27519
