in Craven County
New Bern, North Carolina residents have access to 7 Medicare plans for 2026, and Health Plans of NC licensed agents help locals navigate every option at absolutely no cost, with coverage that connects directly to CarolinaEast Medical Center.
New Bern, North Carolina has a population of 31,563, and approximately 8,000 residents, representing 24.1% of the city, are eligible for Medicare coverage in 2026. Seniors in New Bern have access to CarolinaEast Medical Center, a key healthcare anchor in the area that serves Medicare beneficiaries across Craven County. Coverage options span several Medicare plan types, giving eligible residents the flexibility to choose a plan that fits their healthcare needs and preferred 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 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 New Bern, North Carolina offer coordinated care through networks that include local providers and CarolinaEast Medical Center.
Medicare Advantage HMO-POS plans give New Bern seniors the option to see in-network providers primarily while retaining some out-of-network access for added flexibility.
Part D Prescription Drug Plans provide standalone drug coverage for New Bern, North Carolina residents enrolled in Original Medicare or a Medicare Supplement plan.
Dual Special Needs Plans, known as D-SNPs, are available in New Bern, North Carolina for residents who qualify for both Medicare and Medicaid, offering coordinated benefits.
Medicare Supplement (Medigap) plans are available in New Bern, North Carolina and help cover cost-sharing gaps left by Original Medicare, allowing access to providers across the country.
For 2026, Blue Cross NC offers seven Medicare plans to residents of New Bern, North Carolina, spanning HMO, HMO-POS, D-SNP, and standalone Part D plan types. Each plan connects beneficiaries to provider networks in Craven County, and several plans include additional benefits such as dental, vision, and prescription drug coverage bundled into a single plan. New Bern seniors should verify that their preferred providers, including those affiliated with CarolinaEast Medical Center, are included in the network before selecting a plan.
Blue Medicare Medical Only, HMO-POS, at $0.00 per month, provides medical-only coverage and connects New Bern seniors to local in-network providers in Craven County.
Blue Medicare Essential, HMO, at $0.00 per month, offers coordinated care through a defined network that includes providers serving New Bern, North Carolina residents.
Blue Medicare Essential Plus, HMO-POS, at $0.00 per month, gives New Bern beneficiaries some flexibility to seek care outside the primary HMO network when needed.
Blue Medicare Enhanced, HMO-POS, at $40.00 per month, provides an enhanced benefit package for New Bern, North Carolina seniors who want additional coverage options beyond the base plan.
Blue Medicare Freedom+, HMO-POS, at $0.00 per month, is designed to offer New Bern seniors broader access within the HMO-POS structure at no additional monthly premium.
Healthy Blue Medicare D-SNP, HMO-POS, at $0.00 per month, serves dual-eligible New Bern, North Carolina residents enrolled in both Medicare and Medicaid with coordinated benefits.
Blue Medicare Rx Enhanced PDP, a standalone Part D prescription drug plan, is available at $163.20 per month for New Bern, North Carolina residents who need drug coverage alongside Original Medicare or Medigap.
In 2026, New Bern, 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 $40.00 per month for Blue Medicare Enhanced, with the standalone Blue Medicare Rx Enhanced PDP available at $163.20 per month for prescription drug coverage. New Bern's median household income of $56,893 means many residents may qualify for cost-reduction programs that lower their monthly Medicare expenses significantly. Health Plans of NC agents help New Bern seniors identify whether they qualify for subsidies or savings programs that can reduce plan costs to near zero, all at no charge to the beneficiary.
Part A: $0 premium for most New Bern, 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 New Bern, North Carolina for 2026, offering a total of 7 Medicare plans to eligible residents across zip codes 28560, 28562, and 28563. These plans span multiple plan types including HMO, HMO-POS, D-SNP, and standalone Part D prescription drug plans, giving New Bern seniors a range of structures to choose from based on their care preferences. Blue Cross NC carrier networks connect directly with local health systems in Craven County, and beneficiaries should confirm their preferred providers are in-network before enrolling in any specific plan. The plan type a New Bern, North Carolina senior selects will directly affect access to local specialists, primary care providers, and hospital services throughout the region. Health Plans of NC agents compare every available plan side by side at no cost, helping New Bern residents identify the option that best fits their medical and financial needs.
Blue Cross NC, offering HMO, HMO-POS, D-SNP, and Part D plan types, with a total of 7 Medicare plans available to New Bern, North Carolina residents for 2026.
New Bern, North Carolina has an uninsured rate of 7.7% and a poverty rate of 16.3%, meaning a meaningful share of the community 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 zero for qualifying seniors based on income and resource limits. Medicare Savings Programs can cover Part B premiums for eligible New Bern residents, and the Healthy Blue Medicare D-SNP plan is specifically designed for those who qualify for both Medicare and Medicaid simultaneously. Health Plans of NC agents check eligibility for all of these programs at no cost to New Bern seniors and can assist with the application process from start to finish.
Extra Help, also called the Low Income Subsidy, can reduce Part D prescription drug plan costs significantly for qualifying New Bern, North Carolina Medicare beneficiaries.
Medicare Savings Programs may cover Part B premiums and cost-sharing for New Bern seniors who meet income and resource eligibility requirements.
The Healthy Blue Medicare D-SNP plan is available in New Bern, North Carolina for residents who are enrolled in both Medicare and Medicaid and need coordinated dual coverage.
NC Medicaid may provide additional coverage and financial protections for low-income New Bern, North Carolina residents who meet state eligibility criteria.
Health Plans of NC agents check eligibility for every available assistance program at no cost, helping New Bern seniors access every dollar of savings they qualify for.
Health Plans of NC licensed agents serve New Bern, North Carolina residents at absolutely no cost, comparing every available 2026 Medicare plan side by side and guiding seniors through enrollment and plan changes with personalized support. Call 800-797-0327 today to speak with a local Medicare expert who can help you find the right plan for your 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 New Bern, 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
New Bern, North Carolina ZIP Codes include: 28560, 28561, 28562, 28563, and 28564
