in Forsyth County
Kernersville, North Carolina residents have access to 9 Medicare plans for 2026 through Blue Cross NC, and Health Plans of NC is here to help locals affiliated with Atrium Health Wake Forest Baptist and Novant Health Forsyth Medical Center find the right coverage at no cost.
Kernersville, North Carolina has a population of 27,439, with approximately 5,000 residents, representing 17.2% of the city, currently eligible for Medicare. Coverage options span Medicare Advantage, Medicare Supplement, standalone Part D prescription drug plans, and Dual Special Needs Plans, giving eligible residents a broad range of structures to choose from. Both Atrium Health Wake Forest Baptist and Novant Health Forsyth Medical Center accept Medicare, making Kernersville well-positioned for seniors seeking local, in-network care.
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 | $30.00/month |
Blue Medicare PPO Enhanced | PPO | $35.00/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 Kernersville, North Carolina offer coordinated care through provider networks tied to Atrium Health Wake Forest Baptist and Novant Health Forsyth Medical Center.
Medicare Advantage HMO-POS plans in Kernersville, North Carolina provide added flexibility by allowing some out-of-network visits while still connecting members to local health systems.
Medicare Advantage PPO plans in Kernersville, North Carolina allow beneficiaries to see both in-network and out-of-network providers, including specialists affiliated with Novant Health Forsyth Medical Center.
Medicare Supplement (Medigap) plans in Kernersville, North Carolina cover gaps left by Original Medicare and allow seniors to visit any Medicare-accepting provider nationwide, including local facilities.
Part D Prescription Drug Plans in Kernersville, North Carolina provide standalone drug coverage for seniors on Original Medicare or Medicare Supplement, with formularies that include medications from local preferred pharmacies.
Dual Special Needs Plans (D-SNP) in Kernersville, North Carolina serve residents eligible for both Medicare and Medicaid, coordinating benefits through networks that include Atrium Health Wake Forest Baptist.
For 2026, Blue Cross NC offers nine Medicare plans in Kernersville, North Carolina spanning HMO, HMO-POS, PPO, PDP, and D-SNP plan types, each connecting beneficiaries to local provider networks that include Atrium Health Wake Forest Baptist and Novant Health Forsyth Medical Center. Several plans carry a $0 monthly premium, while others offer enhanced benefits at a modest additional cost, giving Kernersville seniors meaningful options based on their healthcare priorities. Health Plans of NC can walk residents through each plan's network requirements, benefit structure, and cost-sharing details at no charge.
Blue Medicare Medical Only, HMO-POS, $0.00 per month, connects members to Kernersville-area providers through a defined HMO-POS network including Novant Health Forsyth Medical Center.
Blue Medicare Essential, HMO, $0.00 per month, offers coordinated HMO care through local health system networks affiliated with Atrium Health Wake Forest Baptist.
Blue Medicare Essential Plus, HMO-POS, $0.00 per month, provides HMO-POS flexibility with access to Kernersville-area providers and some out-of-network coverage options.
Blue Medicare Choice, HMO, $0.00 per month, delivers structured HMO benefits with care coordination through local Kernersville and Forsyth County provider networks.
Blue Medicare Enhanced, HMO-POS, $30.00 per month, adds enhanced benefits over base HMO-POS plans while maintaining access to Kernersville-area health system providers.
Blue Medicare PPO Enhanced, PPO, $35.00 per month, gives Kernersville seniors PPO flexibility to visit both in-network and out-of-network providers including specialists in Forsyth County.
Blue Medicare Freedom+, HMO-POS, $0.00 per month, combines HMO-POS structure with added plan benefits and network access through Atrium Health Wake Forest Baptist and Novant Health Forsyth Medical Center.
Healthy Blue Medicare DSNP, HMO-POS, $0.00 per month, serves Kernersville residents who qualify for both Medicare and Medicaid, coordinating dual benefits through a local provider network.
Blue Medicare Rx Enhanced PDP, standalone Part D prescription drug plan, $163.20 per month, provides drug coverage for Kernersville seniors on Original Medicare or a Medicare Supplement plan.
In 2026, Kernersville, 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+ up to $35.00 per month for Blue Medicare PPO Enhanced, making premium costs accessible across a variety of budgets. The standalone Blue Medicare Rx Enhanced PDP prescription drug plan is available for $163.20 per month for those who prefer Original Medicare with separate drug coverage. With a median household income of $69,923 in Kernersville, many residents may qualify for programs that further reduce these costs, and Health Plans of NC can assess eligibility at no charge.
Part A: $0 premium for most Kernersville, 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 Kernersville, North Carolina, offering a total of 9 Medicare plans to eligible residents in the area. These plans span multiple structures including HMO, HMO-POS, PPO, standalone Part D prescription drug plans, and a Dual Special Needs Plan (D-SNP), giving seniors a variety of coverage architectures to evaluate. Blue Cross NC plan networks in Kernersville connect directly with Atrium Health Wake Forest Baptist and Novant Health Forsyth Medical Center, making network compatibility a critical factor when selecting a plan. The plan a Kernersville resident selects will directly affect whether their preferred local doctors, specialists, and hospital facilities remain accessible at the lowest possible cost-sharing level. Health Plans of NC compares every available Medicare plan in Kernersville, North Carolina side by side at absolutely no cost to the beneficiary.
Blue Cross NC, offering HMO, HMO-POS, PPO, PDP, and D-SNP plan types, with a total of 9 Medicare plans available in Kernersville, North Carolina for 2026.
Kernersville, North Carolina has an uninsured rate of 9.4% and a poverty rate of 11.5%, meaning a meaningful share of residents may qualify for federal and state programs that reduce Medicare costs. The Extra Help program, also known as the Low Income Subsidy, can lower Part D prescription drug costs to near $0 for qualifying residents based on income and asset thresholds. Medicare Savings Programs can cover the standard Part B premium for lower-income Kernersville seniors, and the Healthy Blue Medicare D-SNP plan is specifically designed for residents who qualify for both Medicare and Medicaid. Health Plans of NC agents check eligibility for all available assistance programs at no cost to Kernersville residents.
Extra Help (Low Income Subsidy) can reduce Part D prescription drug plan costs to near $0 for Kernersville residents who meet federal income and asset guidelines.
Medicare Savings Programs may cover Part B premium costs for lower-income Kernersville, North Carolina seniors who meet state eligibility requirements.
The Healthy Blue Medicare D-SNP plan coordinates Medicare and Medicaid benefits for Kernersville residents who are dual-eligible for both programs.
NC Medicaid may provide additional coverage for low-income Kernersville residents who do not yet qualify for Medicare or need supplemental benefits.
Health Plans of NC agents help Kernersville residents apply for Extra Help, Medicare Savings Programs, and D-SNP enrollment at absolutely no cost.
Health Plans of NC licensed agents serve Kernersville, North Carolina residents at no cost, comparing every available Medicare plan side by side to help seniors find the right coverage for their health needs, preferred providers, and budget. Call 800-797-0327 today to get personalized help with enrollment, plan changes, or any Medicare question.
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 Kernersville, 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
Kernersville, North Carolina ZIP Codes include: 27284 and 27285
