in Cumberland County, Harnett County, and Hoke County
Fayetteville, North Carolina residents have access to 8 Medicare plans for 2026, and Health Plans of NC licensed agents are available to compare every option at no cost, connecting local beneficiaries with coverage that works alongside facilities like Cape Fear Valley Medical Center and Highsmith-Rainey Specialty Hospital.
Fayetteville, North Carolina is home to approximately 27,000 Medicare-eligible residents, representing 12.7% of the city's total population of 209,692, making access to comprehensive Medicare coverage a priority for a significant share of the community. Both Cape Fear Valley Medical Center and Highsmith-Rainey Specialty Hospital accept Medicare and provide a broad range of services, from emergency and acute care to specialty treatment and chronic condition management. Fayetteville residents can choose from several Medicare coverage categories, each offering a different balance of cost, flexibility, and network access tied to local 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 Fayetteville, North Carolina offer bundled hospital and medical coverage through provider networks that include Cape Fear Valley Medical Center.
Medicare Advantage HMO-POS plans allow Fayetteville, North Carolina beneficiaries some out-of-network access while still anchoring care within local health system networks.
Medicare Advantage PPO plans give Fayetteville, North Carolina residents greater flexibility to see both in-network and out-of-network providers, including specialists at Highsmith-Rainey Specialty Hospital.
Medicare Supplement (Medigap) plans allow Fayetteville, North Carolina beneficiaries to use any provider nationwide that accepts Medicare, providing full access to all local and regional facilities.
Part D Prescription Drug Plans provide standalone pharmacy coverage for Fayetteville, North Carolina residents who enroll in Original Medicare or a Medicare Supplement plan.
Dual Special Needs Plans (D-SNP) are available in Fayetteville, North Carolina for residents who qualify for both Medicare and Medicaid, coordinating benefits across both programs.
For 2026, Blue Cross NC offers a range of Medicare plans in Fayetteville, North Carolina, spanning HMO, HMO-POS, PPO, PDP, and D-SNP plan types, with several options available at $0 monthly premium beyond the standard Part B cost. Each plan connects beneficiaries to provider networks that include local facilities and affiliated clinics, making plan selection directly relevant to how and where Fayetteville residents receive care. Health Plans of NC agents can walk through each plan's benefits, formulary, and network details to help Fayetteville beneficiaries find the best fit for their healthcare needs.
Blue Medicare Medical Only, HMO-POS, $0.00 per month, provides hospital and medical coverage through a local provider network that includes Cape Fear Valley Medical Center.
Blue Medicare Essential, HMO, $0.00 per month, bundles hospital and medical benefits into a single plan with access to in-network providers throughout the Fayetteville, North Carolina area.
Blue Medicare Essential Plus, HMO-POS, $0.00 per month, adds point-of-service flexibility to the Essential plan structure, allowing some access to providers outside the primary HMO network.
Blue Medicare Enhanced, HMO-POS, $40.00 per month, offers an enhanced benefit package for Fayetteville, North Carolina residents who want additional coverage features beyond the $0 premium options.
Blue Medicare PPO Enhanced, PPO, $53.00 per month, gives Fayetteville, North Carolina beneficiaries the broadest network flexibility, including the ability to visit out-of-network specialists at Highsmith-Rainey Specialty Hospital.
Blue Medicare Freedom+, HMO-POS, $0.00 per month, provides a $0 premium option with point-of-service access for Fayetteville, North Carolina residents who want flexibility without additional monthly cost.
Healthy Blue Medicare DSNP, HMO-POS, $0.00 per month, is designed for Fayetteville, North Carolina residents who qualify for both Medicare and Medicaid, coordinating benefits across both programs in a single plan.
Blue Medicare Rx Enhanced PDP, standalone prescription drug plan, $163.20 per month, offers comprehensive pharmacy coverage for Fayetteville, North Carolina residents enrolled in Original Medicare or a Medicare Supplement plan.
In 2026, Medicare Advantage plan premiums in Fayetteville, 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 residents a range of price points to consider based on their budget and coverage priorities. With a median household income of $56,395 in Fayetteville, the difference between a $0 premium plan and one with a higher monthly cost can be meaningful, and some residents may also qualify for programs that reduce out-of-pocket expenses beyond the premium itself. Health Plans of NC agents help Fayetteville residents understand the full cost picture for each plan, including copays, deductibles, and out-of-pocket maximums, so there are no surprises after enrollment.
Part A: $0 premium for most Fayetteville, 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 Fayetteville, North Carolina, offering a total of 8 plans to eligible residents across the area. These 8 plans span HMO, HMO-POS, PPO, PDP, and D-SNP plan types, giving Fayetteville beneficiaries a range of coverage structures to evaluate based on their individual healthcare priorities. Blue Cross NC plan networks in Fayetteville, North Carolina connect directly to local health systems including Cape Fear Valley Medical Center and Highsmith-Rainey Specialty Hospital, meaning the plan a beneficiary selects can determine which doctors, specialists, and hospitals are accessible at in-network rates. Plan choice also affects referral requirements, specialty access at Highsmith-Rainey Specialty Hospital, and prescription drug formularies, making careful comparison essential before enrolling. Health Plans of NC licensed agents compare every available Medicare plan side-by-side at no cost, helping Fayetteville residents identify the plan and carrier combination that best matches their needs.
Blue Cross NC, offering HMO, HMO-POS, PPO, PDP, and D-SNP plan types, with 8 total Medicare plans available in Fayetteville, North Carolina for 2026.
Fayetteville, North Carolina has an uninsured rate of 10.8% and a poverty rate of 18.1%, meaning a substantial share of the city's residents may qualify for federal and state programs that reduce Medicare costs. The Extra Help program, also called the Low Income Subsidy, can reduce Part D prescription drug costs to near $0 per month for qualifying Fayetteville residents with limited income and resources. Medicare Savings Programs can cover all or part of the Part B premium for income-eligible beneficiaries, and Fayetteville residents who qualify for both Medicare and Medicaid may enroll in a Dual Special Needs Plan to coordinate benefits across both programs seamlessly. Health Plans of NC agents check eligibility for all available assistance programs at no cost to the Fayetteville resident.
Extra Help (Low Income Subsidy) can reduce or eliminate Part D prescription drug costs for qualifying Fayetteville, North Carolina Medicare beneficiaries with limited income and resources.
Medicare Savings Programs may cover Part B premiums, deductibles, and cost-sharing for Fayetteville, North Carolina residents who meet income and asset thresholds.
The Healthy Blue Medicare D-SNP plan is available in Fayetteville, North Carolina for residents who are enrolled in both Medicare and Medicaid and need coordinated dual-program coverage.
NC Medicaid may provide additional coverage and cost support for low-income Fayetteville, North Carolina residents who do not yet qualify for Medicare or need supplemental assistance.
Health Plans of NC agents will check your eligibility for Extra Help, Medicare Savings Programs, and D-SNP options at no cost and help you apply if you qualify.
Health Plans of NC licensed agents serve Fayetteville, North Carolina residents at absolutely no cost, comparing every available 2026 Medicare plan side-by-side to help you find the right coverage and assisting with enrollment, plan changes, and benefit questions throughout the year. Call 800-797-0327 today to speak with a local Medicare expert who understands the Fayetteville market and can guide you to the plan that best fits 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 Fayetteville, 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
Fayetteville, North Carolina ZIP Codes include: 28301, 28302, 28303, 28304, 28305, 28306, 28309, 28311, 28312, and 28314
