in Johnston County
Clayton, North Carolina residents have access to 8 Medicare plans for 2026 through Blue Cross NC, and Health Plans of NC helps locals navigate every available option at no cost, connecting them with coverage that works alongside Johnston Health UNC and WakeMed.
Clayton, North Carolina, with a population of 28,043, is home to approximately 3,000 Medicare-eligible residents, representing 10.9% of the city. Seniors in Clayton can access multiple Medicare coverage categories through Blue Cross NC, with local care available at Johnston Health UNC and WakeMed, both of which serve Medicare beneficiaries in the area. Health Plans of NC helps Clayton residents understand every coverage type available so they can make fully informed enrollment decisions at no cost.
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 are available in Clayton, North Carolina, offering coordinated care through provider networks that include Johnston Health UNC facilities.
Medicare Advantage HMO-POS plans give Clayton seniors added flexibility to seek care both inside and outside the primary network, including access to WakeMed providers.
Medicare Advantage PPO plans in Clayton, North Carolina allow beneficiaries to see in-network and out-of-network providers, offering broader access across Johnston County and surrounding areas.
Medicare Supplement (Medigap) plans are available to Clayton seniors who want to fill Original Medicare gaps and retain the freedom to use any Medicare-accepting provider at Johnston Health UNC, WakeMed, or beyond.
Part D Prescription Drug Plans are available as standalone coverage for Clayton, North Carolina residents who prefer Original Medicare and need help managing medication costs.
Dual Special Needs Plans (D-SNP) are available in Clayton, North Carolina for residents who qualify for both Medicare and Medicaid, providing integrated benefits through local health systems.
For 2026, Blue Cross NC offers eight Medicare plans in Clayton, North Carolina, spanning HMO, HMO-POS, PPO, D-SNP, and Part D prescription drug plan types, each with distinct network structures and premium levels. Several plans carry a $0 monthly premium, making them accessible to a wide range of Clayton seniors who rely on local providers for routine and specialty care. Health Plans of NC agents help Clayton residents compare each plan's network, benefits, and costs side by side at no charge.
Blue Medicare Medical Only, HMO-POS, $0.00 per month, provides hospital and medical coverage through a flexible point-of-service network serving Clayton and Johnston County.
Blue Medicare Essential, HMO, $0.00 per month, connects Clayton seniors to a coordinated HMO network with access to primary care and specialist services in the area.
Blue Medicare Essential Plus, HMO-POS, $0.00 per month, combines HMO structure with point-of-service flexibility, giving Clayton beneficiaries options beyond the core network when needed.
Blue Medicare Enhanced, HMO-POS, $40.00 per month, offers an expanded benefit package within an HMO-POS network for Clayton seniors seeking additional coverage features.
Blue Medicare PPO Enhanced, PPO, $53.00 per month, provides the broadest network flexibility of any Blue Cross NC Medicare Advantage plan available in Clayton, North Carolina.
Blue Medicare Freedom+, HMO-POS, $0.00 per month, gives Clayton residents a zero-premium HMO-POS option with added benefits suited for active Medicare beneficiaries.
Healthy Blue Medicare DSNP, HMO-POS, $0.00 per month, is designed for Clayton residents who are eligible for both Medicare and Medicaid, offering integrated dual-eligible benefits.
Blue Medicare Rx Enhanced PDP, standalone Part D prescription drug plan, $163.20 per month, provides drug coverage for Clayton seniors who choose to remain in Original Medicare.
In 2026, Clayton, North Carolina residents can choose from Medicare Advantage plans ranging from $0.00 per month for plans like Blue Medicare Essential and Blue Medicare Freedom+ to $53.00 per month for Blue Medicare PPO Enhanced, offering meaningful options at multiple price points. The standalone Blue Medicare Rx Enhanced PDP is priced at $163.20 per month for those who need dedicated prescription drug coverage alongside Original Medicare. With a median household income of $73,348 in Clayton, some residents may also qualify for Low Income Subsidy programs that reduce out-of-pocket drug costs significantly, and Health Plans of NC agents can assess eligibility at no cost.
Part A: $0 premium for most Clayton, 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 Clayton, North Carolina for 2026, offering a total of 8 plans across the area's zip codes of 27520, 27527, and 27528. These plans span multiple coverage structures, including HMO, HMO-POS, PPO, D-SNP, and Part D prescription drug plans, giving Clayton seniors a comprehensive range of options to match their healthcare needs. Blue Cross NC plan networks are connected to local healthcare facilities, meaning the plan type a Clayton resident selects directly affects access to services at Johnston Health UNC and WakeMed. Choosing between an HMO, HMO-POS, or PPO structure also determines how easily Clayton beneficiaries can reach specialists and facilities throughout Johnston County and the broader Triangle region. Health Plans of NC agents compare every available Blue Cross NC Medicare plan side by side at no cost, ensuring Clayton residents make fully informed enrollment decisions.
Blue Cross NC, offering HMO, HMO-POS, PPO, D-SNP, and Part D prescription drug plan types, with 8 total Medicare plans available in Clayton, North Carolina for 2026.
Clayton, North Carolina residents with limited income and assets may qualify for Extra Help, 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 Clayton seniors cover Part B premiums and other out-of-pocket costs, reducing the overall financial burden of Medicare enrollment. Clayton's uninsured rate of 11.2% and poverty rate of 8.0% highlight the importance of connecting residents with every available form of financial assistance, including dual-eligible options through D-SNP plans. Health Plans of NC agents check eligibility for all applicable programs at no cost to Clayton residents, ensuring no one misses out on benefits they have earned.
Extra Help (Low Income Subsidy) can reduce Part D prescription drug premiums and cost sharing to near $0 for qualifying Clayton, North Carolina Medicare beneficiaries.
Medicare Savings Programs may cover Part B premiums and other cost-sharing expenses for eligible low-income seniors in Clayton and throughout Johnston County.
The Healthy Blue Medicare DSNP plan is available in Clayton for residents who qualify for both Medicare and Medicaid, providing coordinated dual-eligible benefits at $0 per month.
NC Medicaid may provide additional coverage and cost assistance for low-income Clayton residents who meet state eligibility requirements alongside their Medicare enrollment.
Health Plans of NC agents help Clayton, North Carolina residents apply for Extra Help, Medicare Savings Programs, and D-SNP enrollment at absolutely no cost to the beneficiary.
Health Plans of NC licensed agents serve Clayton, North Carolina residents at no cost, comparing every available Medicare plan side by side and assisting with enrollment, plan changes, and financial assistance programs. Call 800-797-0327 today to speak with a local agent who understands the Medicare options available to you in Clayton.
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 Clayton, 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
Clayton, North Carolina ZIP Codes include: 27520, 27527, and 27528
