in Robeson County
Lumberton, North Carolina residents have access to 8 Medicare plans for 2026, and Health Plans of NC helps locals navigate every available option through Southeastern Health at absolutely no cost.
Lumberton, North Carolina, located in Robeson County, is home to approximately 19,220 residents, with around 3,000 individuals representing 16.8% of the population eligible for Medicare coverage in 2026. Beneficiaries can access care through Southeastern Health, which accepts Medicare and serves as a key regional resource for Lumberton and surrounding communities. Coverage options range from Medicare Advantage plans to Medicare Supplement policies and standalone Part D prescription drug plans, giving local seniors multiple structures to consider based on their healthcare needs.
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 are available in Lumberton, North Carolina, offering bundled hospital and medical coverage through Southeastern Health network providers.
Medicare Advantage HMO-POS plans give Lumberton, North Carolina beneficiaries the option to see both in-network and some out-of-network providers, including those at Southeastern Health.
Medicare Advantage PPO plans in Lumberton, North Carolina offer greater provider flexibility, allowing beneficiaries to visit specialists inside or outside the Blue Cross NC network.
Medicare Supplement (Medigap) plans are available to Lumberton, North Carolina residents and cover out-of-pocket costs left by Original Medicare, with the freedom to use any provider nationwide that accepts Medicare.
Part D Prescription Drug Plans are available as standalone coverage for Lumberton, North Carolina residents who prefer Original Medicare or a Medigap plan alongside dedicated drug benefits.
Dual Special Needs Plans (D-SNP) are available in Lumberton, North Carolina for residents who qualify for both Medicare and Medicaid, coordinating benefits through Southeastern Health and local providers.
For 2026, Blue Cross NC offers eight Medicare plans in Lumberton, North Carolina, spanning HMO, HMO-POS, PPO, PDP, and D-SNP plan types to serve a wide range of beneficiary needs. Each plan connects to the Southeastern Health network in varying degrees depending on plan type, making it important to verify that preferred providers and facilities participate before enrolling. Health Plans of NC agents help Lumberton residents review every plan's network, benefits, and structure side-by-side at no cost.
Blue Medicare Medical Only, HMO-POS, $0.00 per month, provides hospital and medical coverage through the Blue Cross NC network, which includes Southeastern Health providers in the Lumberton area.
Blue Medicare Essential, HMO, $0.00 per month, bundles hospital, medical, and often drug coverage into a single plan connected to the Southeastern Health network in Robeson County.
Blue Medicare Essential Plus, HMO-POS, $0.00 per month, adds point-of-service flexibility to the HMO structure, allowing some access to providers outside the Southeastern Health network.
Blue Medicare Enhanced, HMO-POS, $47.00 per month, offers enhanced benefits beyond the base HMO-POS tier, including additional coverage features for Lumberton beneficiaries using Southeastern Health.
Blue Medicare PPO Enhanced, PPO, $53.00 per month, gives Lumberton, North Carolina residents broader access to both in-network and out-of-network providers, including specialists beyond Robeson County.
Blue Medicare Freedom+, HMO-POS, $0.00 per month, provides a $0 premium option with point-of-service flexibility for Lumberton beneficiaries within the Blue Cross NC provider network.
Healthy Blue Medicare DSNP, HMO-POS, $0.00 per month, is designed for Lumberton, North Carolina residents who qualify for both Medicare and Medicaid, coordinating dual benefits through Southeastern Health.
Blue Medicare Rx Enhanced PDP, standalone Part D prescription drug plan, $163.20 per month, provides dedicated drug coverage for Lumberton residents enrolled in Original Medicare or a Medicare Supplement plan.
In 2026, Medicare Advantage plan premiums in Lumberton, North Carolina through Blue Cross NC range from $0.00 per month for plans like Blue Medicare Essential and Blue Medicare Freedom+ up to $53.00 per month for Blue Medicare PPO Enhanced, giving beneficiaries options at multiple price points. With a median household income of $43,114, many Lumberton residents benefit from carefully weighing lower-premium Advantage plans against the broader cost-sharing protections offered by Medicare Supplement policies, which typically range from $80 to $300 or more per month. Residents who qualify for Extra Help or Medicare Savings Programs may be able to reduce their total Medicare costs significantly, and Health Plans of NC agents can help identify those opportunities at no charge.
Part A: $0 premium for most Lumberton, 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 offering all 8 available Medicare plans in Lumberton, North Carolina, making it the sole insurer serving beneficiaries in zip codes 28358 and 28359. These 8 plans span multiple plan types including HMO, HMO-POS, PPO, standalone Part D prescription drug plans, and a Dual Special Needs Plan, giving Lumberton residents a range of structures and cost-sharing arrangements to evaluate. Blue Cross NC plan networks in the Lumberton area connect to Southeastern Health, which serves as a critical facility for Medicare beneficiaries seeking inpatient, outpatient, and specialty care in Robeson County. The plan type a beneficiary selects directly affects their ability to access local specialists at Southeastern Health, navigate referral requirements, and use preferred pharmacies within the Blue Cross NC network. Health Plans of NC agents compare every available Blue Cross NC Medicare plan side-by-side for Lumberton residents at absolutely no cost, helping each beneficiary identify the plan that best aligns with their providers, prescriptions, and budget.
Blue Cross NC, offering HMO, HMO-POS, PPO, PDP, and D-SNP plan types, with a total of 8 Medicare plans available in Lumberton, North Carolina for 2026.
With an uninsured rate of 13.5% and a poverty rate of 31.0%, Lumberton, North Carolina has a significant share of residents who may qualify for federal and state Medicare financial assistance programs. Extra Help, also known as the Low Income Subsidy, can reduce Part D prescription drug costs to near $0 for qualifying beneficiaries, while Medicare Savings Programs can cover the standard Part B premium for those who meet income and resource limits. Residents who are eligible for both Medicare and Medicaid may qualify for the Healthy Blue Medicare D-SNP, which coordinates benefits and reduces out-of-pocket costs through a single integrated plan. Health Plans of NC agents check eligibility for all available assistance programs at no cost to Lumberton, North Carolina residents.
Extra Help and the Low Income Subsidy can reduce or eliminate Part D prescription drug plan premiums and copays for qualifying Lumberton, North Carolina residents.
Medicare Savings Programs may cover the Part B premium entirely for eligible Lumberton residents who meet income and resource thresholds set by the state of North Carolina.
The Healthy Blue Medicare D-SNP is available to Lumberton, North Carolina residents who qualify for both Medicare and Medicaid, offering coordinated dual coverage with low or no out-of-pocket costs.
NC Medicaid may provide additional coverage and cost assistance for low-income Lumberton residents who do not yet qualify for Medicare or need supplemental benefits.
Health Plans of NC agents help Lumberton, North Carolina residents apply for Extra Help, Medicare Savings Programs, and D-SNP enrollment at absolutely no cost.
Health Plans of NC licensed agents serve Lumberton, North Carolina residents at no cost, comparing every available Medicare plan side-by-side and assisting with enrollment, plan changes, and financial assistance applications. Call 800-797-0327 today to speak with a local Medicare expert who understands the Robeson County healthcare landscape and can help you find the right coverage for 2026.
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 Lumberton, 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
Lumberton, North Carolina ZIP Codes include: 28358, 28359, and 28360
