in Lenoir County
Kinston, North Carolina residents have access to 8 Medicare plans for 2026 through Blue Cross NC, and Health Plans of NC is available to help locals served by UNC Health Lenoir and ECU Health compare every option at absolutely no cost.
Kinston, North Carolina has a population of 19,576, with approximately 5,000 residents, representing 24.1% of the city, currently eligible for Medicare. Seniors in Kinston can choose from several coverage structures, including Medicare Advantage, Medicare Supplement, standalone Part D prescription drug plans, and Dual Special Needs Plans designed for those who qualify for both Medicare and Medicaid. Local health systems including UNC Health Lenoir and ECU Health serve as key care anchors in Lenoir County, and many Medicare plans in Kinston are built around access to these 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 | $47.00/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 Kinston, North Carolina offer bundled hospital and medical coverage, often with access to UNC Health Lenoir for primary and specialty care.
Medicare Advantage HMO-POS plans give Kinston seniors a flexible network option that may include both UNC Health Lenoir and ECU Health for in-county and out-of-county visits.
Medicare Advantage PPO plans available in Kinston, North Carolina allow beneficiaries to see both in-network and out-of-network providers, including specialists at local hospitals.
Medicare Supplement (Medigap) plans in Kinston, North Carolina work alongside Original Medicare and allow enrollees to visit any provider nationwide that accepts Medicare.
Part D Prescription Drug Plans in Kinston, North Carolina provide standalone drug coverage for seniors who remain on Original Medicare or a Medicare Supplement plan.
Dual Special Needs Plans (D-SNP) in Kinston, North Carolina are designed for residents eligible for both Medicare and Medicaid, coordinating benefits across both programs.
For 2026, Blue Cross NC offers eight Medicare plans to eligible residents of Kinston, North Carolina, spanning HMO, HMO-POS, PPO, PDP, and D-SNP plan types. These plans vary in monthly premium, network structure, and the scope of benefits included, with several plans carrying a $0 monthly premium and others providing enhanced benefits at a modest additional cost. Each plan is structured to work with local providers, and Health Plans of NC can help Kinston residents identify which specific plan aligns with their care needs at UNC Health Lenoir or ECU Health.
Blue Medicare Medical Only, HMO-POS, $0.00 per month, provides hospital and medical coverage with access to Kinston-area providers in the Blue Cross NC network.
Blue Medicare Essential, HMO, $0.00 per month, bundles hospital, medical, and often prescription drug coverage for Kinston seniors seeking a low-cost plan.
Blue Medicare Essential Plus, HMO-POS, $0.00 per month, offers HMO-POS flexibility for Kinston residents who want network access to both local and out-of-area providers.
Blue Medicare Enhanced, HMO-POS, $47.00 per month, provides an elevated benefit tier with broader coverage options for Kinston beneficiaries willing to pay a modest monthly premium.
Blue Medicare PPO Enhanced, PPO, $53.00 per month, gives Kinston seniors the ability to see in-network and out-of-network providers with the added flexibility of a PPO structure.
Blue Medicare Freedom+, HMO-POS, $0.00 per month, is a zero-premium plan offering Kinston residents access to a broad range of local providers under an HMO-POS framework.
Healthy Blue Medicare DSNP, HMO-POS, $0.00 per month, coordinates Medicare and Medicaid benefits for dual-eligible Kinston residents, connecting them to local health system resources.
Blue Medicare Rx Enhanced PDP, standalone Part D prescription drug plan, $163.20 per month, provides drug coverage for Kinston seniors enrolled in Original Medicare or a Medicare Supplement plan.
In 2026, Kinston, 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 $47.00 per month for Blue Medicare Enhanced and $53.00 per month for Blue Medicare PPO Enhanced, with the standalone Blue Medicare Rx Enhanced PDP priced at $163.20 per month. Kinston's median household income of $35,250 means that many local seniors may qualify for federal programs that reduce their Medicare premium and out-of-pocket costs significantly. Health Plans of NC agents can review a Kinston resident's income and household situation to identify every available cost-reduction program at no charge.
Part A: $0 premium for most Kinston, 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 Kinston, North Carolina, offering a total of 8 Medicare plans to eligible residents in the area. These plans span multiple plan types, including HMO, HMO-POS, PPO, standalone Part D prescription drug plans, and a Dual Special Needs Plan (D-SNP) for those who qualify for both Medicare and Medicaid. Blue Cross NC plan networks in Kinston are structured to interact with local health systems, connecting enrollees to providers at UNC Health Lenoir and ECU Health for primary care, specialty visits, and hospital services throughout Lenoir County. The plan type a Kinston resident selects directly determines which local doctors, specialists, and facilities remain in-network and at what cost-sharing level, making plan selection a highly consequential healthcare decision. Health Plans of NC compares every available Medicare plan in Kinston 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 a total of 8 Medicare plans available to eligible residents of Kinston, North Carolina for 2026.
Kinston, North Carolina has a poverty rate of 28.9% and an uninsured rate of 9.1%, meaning a significant share of local residents may qualify for federal and state financial assistance programs that reduce Medicare costs. The Extra Help program, also known as the Low Income Subsidy, can reduce or eliminate Part D prescription drug costs for Kinston seniors with limited income and resources. Medicare Savings Programs can help qualifying residents have their Part B premium covered by the state of North Carolina, providing meaningful monthly relief. The Healthy Blue Medicare D-SNP available in Kinston is specifically designed for residents who are enrolled in both Medicare and Medicaid, and Health Plans of NC agents can check eligibility for all of these programs at no cost to the resident.
Extra Help (Low Income Subsidy) can reduce Part D prescription drug plan premiums and copays to near $0 for qualifying Kinston, North Carolina residents with limited income.
Medicare Savings Programs in North Carolina can cover the Part B monthly premium for income-eligible Kinston seniors, reducing their overall Medicare cost burden.
The Healthy Blue Medicare D-SNP in Kinston, North Carolina coordinates both Medicare and Medicaid benefits for dual-eligible residents under a single managed care plan.
NC Medicaid may provide additional coverage for low-income Kinston residents who do not yet qualify for Medicare, bridging gaps in healthcare access.
Health Plans of NC agents can screen Kinston residents for all available assistance programs at no cost and help with enrollment in the right plan and benefit programs.
Licensed Health Plans of NC agents serve Kinston, North Carolina residents at no cost and can compare every available 2026 Medicare plan side by side, helping you find the right coverage based on your doctors, prescriptions, and budget. Call 800-797-0327 today to speak with a local agent who can guide you through enrollment, plan changes, and financial assistance options with no obligation.
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 Kinston, 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
Kinston, North Carolina ZIP Codes include: 28501, 28502, 28503, and 28504
