in Orange County, Durham County, and Chatham County
Chapel Hill, North Carolina residents have access to 8 Medicare plans for 2026, and Health Plans of NC is here to help every eligible senior compare and enroll at absolutely no cost, with direct connections to leading local health systems including UNC Hospitals.
Chapel Hill, North Carolina has a population of 59,889, with approximately 7,000 Medicare-eligible residents representing 12.5% of the city. Seniors in Chapel Hill benefit from access to world-class healthcare facilities including UNC Hospitals, UNC Medical Center, and Duke University Hospital, all of which accept Medicare and are recognized for specialized services in cancer treatment, neurology, and cardiology. Health Plans of NC helps Chapel Hill residents navigate every available coverage category at no cost, ensuring each eligible senior finds a plan that fits their health needs and preferred providers.
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 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 in Chapel Hill, North Carolina allow beneficiaries to access coordinated care within a defined network that includes UNC Medical Center providers.
Medicare Advantage HMO-POS plans offer Chapel Hill, North Carolina seniors some flexibility to seek care outside the primary network, including referrals to specialists at UNC Hospitals.
Medicare Advantage PPO plans in Chapel Hill, North Carolina provide broader provider choice, including access to Duke University Hospital in nearby Durham without a required referral.
Medicare Supplement (Medigap) plans allow Chapel Hill, North Carolina seniors to visit any provider nationwide that accepts Medicare, making them well-suited for patients who regularly use UNC Hospitals or Duke University Hospital.
Part D Prescription Drug Plans are available as standalone coverage for Chapel Hill, North Carolina residents on Original Medicare or a Medicare Supplement plan who need help with medication costs.
Dual Special Needs Plans (D-SNP) are available in Chapel Hill, North Carolina for residents who qualify for both Medicare and Medicaid, offering coordinated benefits through local health networks.
Blue Cross NC offers eight Medicare plans in Chapel Hill, North Carolina for 2026, spanning HMO, HMO-POS, PPO, PDP, and D-SNP plan types to address a wide range of healthcare needs and provider preferences. Several plans carry a $0 monthly premium, while others offer enhanced benefits at a modest additional cost, and each plan interacts directly with local provider networks including UNC Hospitals and UNC Medical Center. Health Plans of NC can walk Chapel Hill, North Carolina residents through every plan option side by side at no cost to identify the best fit for their individual circumstances.
Blue Medicare Medical Only, HMO-POS, $0.00 per month, provides hospital and medical coverage through a network that includes UNC Medical Center and affiliated providers in Chapel Hill, North Carolina.
Blue Medicare Essential, HMO, $0.00 per month, offers coordinated managed care for Chapel Hill, North Carolina beneficiaries seeking comprehensive coverage within a defined local provider network.
Blue Medicare Essential Plus, HMO-POS, $0.00 per month, adds point-of-service flexibility for Chapel Hill, North Carolina seniors who may occasionally need care outside the standard HMO network.
Blue Medicare Enhanced, HMO-POS, $40.00 per month, provides an elevated level of benefits for Chapel Hill, North Carolina residents who want additional coverage beyond standard HMO-POS offerings.
Blue Medicare PPO Enhanced, PPO, $53.00 per month, gives Chapel Hill, North Carolina seniors broader in-network and out-of-network access, including visits to Duke University Hospital without a referral requirement.
Blue Medicare Freedom+, HMO-POS, $0.00 per month, is designed for Chapel Hill, North Carolina beneficiaries seeking zero-premium coverage with point-of-service access to local health systems.
Healthy Blue Medicare DSNP, HMO-POS, $0.00 per month, serves Chapel Hill, North Carolina residents who are dually eligible for Medicare and Medicaid, coordinating benefits through the Blue Cross NC network.
Blue Medicare Rx Enhanced PDP, standalone Part D prescription drug plan, $163.20 per month, provides Chapel Hill, North Carolina residents on Original Medicare or Medigap with comprehensive formulary coverage for prescription medications.
In 2026, Chapel Hill, North Carolina residents can choose from Medicare Advantage plans ranging from $0.00 per month for plans like Blue Medicare Medical Only, Blue Medicare Essential, Blue Medicare Essential Plus, Blue Medicare Freedom+, and Healthy Blue Medicare DSNP, to $40.00 per month for Blue Medicare Enhanced and $53.00 per month for Blue Medicare PPO Enhanced, with the standalone Blue Medicare Rx Enhanced PDP available at $163.20 per month. With a median household income of $85,825, many Chapel Hill seniors are well-positioned to afford mid-tier or enhanced coverage options, though cost-reduction programs remain available for those whose income falls below federal thresholds. Health Plans of NC agents help Chapel Hill, North Carolina residents identify the most cost-effective plan combination based on their specific prescriptions, preferred providers, and anticipated healthcare utilization.
Part A: $0 premium for most Chapel Hill, 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.
Blue Cross NC is the Medicare carrier serving Chapel Hill, North Carolina for 2026, offering a total of 8 plans across multiple coverage structures. These plans include Medicare Advantage HMO, HMO-POS, and PPO options, a standalone Part D Prescription Drug Plan, and a Dual Special Needs Plan designed for residents eligible for both Medicare and Medicaid. Blue Cross NC's carrier network connects directly with major local health systems in Chapel Hill, including UNC Hospitals and UNC Medical Center, as well as Duke University Hospital in Durham, making provider network verification an essential step before enrollment. The plan a Chapel Hill, North Carolina senior selects will directly affect their ability to access specialists at UNC Medical Center or coordinate care at Duke University Hospital without incurring higher out-of-pocket costs. Health Plans of NC compares every one of the 8 available Medicare plans in Chapel Hill, North Carolina side by side at absolutely no cost to the resident.
Blue Cross NC, offering HMO, HMO-POS, PPO, PDP, and D-SNP plan types, with 8 total Medicare plans available to Chapel Hill, North Carolina residents in 2026.
Chapel Hill, North Carolina residents with limited income and resources may qualify for the Extra Help program, also known as the Low Income Subsidy, which can reduce Part D prescription drug costs to near $0 for eligible Medicare beneficiaries. Medicare Savings Programs are available to help qualifying Chapel Hill seniors with Part B premium costs, copayments, and deductibles, reducing the overall financial burden of Original Medicare. Chapel Hill, North Carolina has an uninsured rate of 5.0% and a poverty rate of 19.6%, meaning a meaningful portion of the community may be eligible for assistance programs including Medicaid or Dual Special Needs Plans that coordinate both Medicare and Medicaid benefits. Health Plans of NC agents check eligibility for every available assistance program at no cost, helping Chapel Hill, North Carolina residents determine whether they qualify for additional savings.
Extra Help (Low Income Subsidy) can reduce Part D prescription drug premiums, deductibles, and copayments for qualifying Chapel Hill, North Carolina Medicare beneficiaries.
Medicare Savings Programs may cover Part B premiums and cost-sharing for Chapel Hill, North Carolina residents who meet federal income and resource requirements.
Dual Special Needs Plans (D-SNP) are available in Chapel Hill, North Carolina for individuals who qualify for both Medicare and Medicaid, providing coordinated benefits through Blue Cross NC.
NC Medicaid may provide additional coverage for low-income Chapel Hill, North Carolina residents who do not yet qualify for Medicare or need supplemental assistance alongside their Medicare plan.
Health Plans of NC licensed agents help Chapel Hill, North Carolina residents apply for Extra Help, Medicare Savings Programs, and D-SNP enrollment at no cost and with no obligation.
Health Plans of NC licensed agents serve Chapel Hill, North Carolina residents at no cost, comparing every available 2026 Medicare plan side by side and guiding seniors through enrollment, plan changes, and financial assistance applications. Call 800-797-0327 today to speak with a local agent who can help you find the right coverage for your health needs 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 Chapel Hill, 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
Chapel Hill, North Carolina ZIP Codes include: 27514, 27515, 27516, 27517, and 27599
