in Franklin County, Granville County, and Wake County
Wake Forest, North Carolina residents have access to 9 Medicare plans for 2026 through Blue Cross NC, and Health Plans of NC is here to help every eligible senior in Wake Forest compare and enroll in the right coverage at absolutely no cost.
Wake Forest, North Carolina is home to approximately 7,000 Medicare-eligible residents, representing 13.4% of the city's total population of 51,199, making access to comprehensive Medicare coverage a priority for a significant portion of the community. Seniors in Wake Forest can access care through major health systems including UNC Health Johnston and Duke Raleigh Hospital, both of which serve Medicare beneficiaries across multiple plan types. Coverage options available to Wake Forest residents span Medicare Advantage HMO, HMO-POS, and PPO plans, a Dual Special Needs Plan, a standalone Part D prescription drug plan, and Medicare Supplement policies that pair with Original Medicare.
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 | $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 are available in Wake Forest, North Carolina and provide coordinated care through networks that include local providers affiliated with UNC Health Johnston and Duke Raleigh Hospital.
Medicare Advantage HMO-POS plans give Wake Forest seniors the flexibility to seek some out-of-network care while still anchoring coverage to local participating providers in the Wake Forest area.
Medicare Advantage PPO plans allow Wake Forest, North Carolina beneficiaries broader provider access, including the ability to see specialists at Duke Raleigh Hospital and UNC Health Johnston without a referral.
Medicare Supplement (Medigap) plans pair with Original Medicare to cover copayments, coinsurance, and deductibles, and allow Wake Forest residents to visit any provider nationwide that accepts Original Medicare, including local health systems.
Part D Prescription Drug Plans are available as standalone coverage for Wake Forest, North Carolina seniors who are enrolled in Original Medicare or a Medicare Supplement plan and need prescription drug benefits.
Dual Special Needs Plans (D-SNP) are available in Wake Forest, North Carolina for residents who qualify for both Medicare and Medicaid, offering coordinated benefits through a single plan with access to local healthcare networks.
Blue Cross NC offers nine Medicare plans in Wake Forest, North Carolina for 2026, spanning HMO, HMO-POS, PPO, D-SNP, and Part D prescription drug plan structures to meet a wide range of healthcare needs. Each plan connects Wake Forest beneficiaries to local and regional provider networks, with HMO plans requiring care through designated in-network providers and HMO-POS and PPO plans offering varying degrees of flexibility for out-of-network access. Health Plans of NC agents can walk Wake Forest residents through each plan's benefits, network details, and costs side-by-side at no charge.
Blue Medicare Medical Only, HMO-POS plan, $0.00 per month, providing medical-only coverage through an HMO-POS network serving Wake Forest, North Carolina providers.
Blue Medicare Essential, HMO plan, $0.00 per month, offering coordinated care through a defined HMO network that includes local providers in the Wake Forest, North Carolina area.
Blue Medicare Essential Plus, HMO-POS plan, $0.00 per month, adding point-of-service flexibility to the Essential HMO structure for Wake Forest, North Carolina beneficiaries who want some out-of-network access.
Blue Medicare Choice, HMO plan, $0.00 per month, delivering structured HMO coverage with access to primary care physicians and specialists participating in the Blue Cross NC network in Wake Forest.
Blue Medicare Enhanced, HMO-POS plan, $40.00 per month, providing an enhanced benefit package through an HMO-POS structure for Wake Forest, North Carolina seniors seeking additional coverage features.
Blue Medicare PPO Enhanced, PPO plan, $53.00 per month, offering Wake Forest, North Carolina seniors the broadest network flexibility among Blue Cross NC Medicare Advantage plans, including access to Duke Raleigh Hospital and UNC Health Johnston.
Blue Medicare Freedom+, HMO-POS plan, $0.00 per month, combining $0 premium affordability with HMO-POS network access for eligible Wake Forest, North Carolina Medicare beneficiaries.
Healthy Blue Medicare DSNP, HMO-POS D-SNP plan, $0.00 per month, designed for Wake Forest, North Carolina residents who qualify for both Medicare and Medicaid and need coordinated dual-eligible coverage.
Blue Medicare Rx Enhanced PDP, standalone Part D prescription drug plan, $163.20 per month, providing prescription drug coverage for Wake Forest, North Carolina seniors enrolled in Original Medicare or a Medicare Supplement plan.
In Wake Forest, North Carolina, 2026 Medicare Advantage plan premiums range from $0.00 per month for plans such as Blue Medicare Essential, Blue Medicare Choice, Blue Medicare Freedom+, and the Healthy Blue Medicare DSNP, up to $40.00 per month for Blue Medicare Enhanced and $53.00 per month for Blue Medicare PPO Enhanced, giving seniors a wide spectrum of premium options to consider. The standalone Blue Medicare Rx Enhanced PDP carries a monthly premium of $163.20 for Wake Forest residents who need prescription drug coverage without a Medicare Advantage plan. Wake Forest's median household income of $120,777 means that many residents may not qualify for income-based assistance programs, but Health Plans of NC agents can review each household's specific situation to identify any available savings on premiums or out-of-pocket costs.
Part A: $0 premium for most Wake Forest, 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 Wake Forest, North Carolina for 2026, offering a total of 9 Medicare plans to eligible residents across the city. These plans cover a range of structures including HMO, HMO-POS, PPO, D-SNP, and standalone Part D prescription drug plan options, giving Wake Forest seniors meaningful flexibility when selecting coverage. Blue Cross NC plan networks connect Wake Forest beneficiaries to local and regional healthcare providers, including UNC Health Johnston and Duke Raleigh Hospital, which offer a full range of services for older adults. The plan type a Wake Forest senior selects directly affects which primary care physicians, specialists, and hospital facilities they can access, making it important to confirm that preferred providers are in-network before enrolling. Health Plans of NC agents compare every available Blue Cross NC Medicare plan side-by-side at no cost, helping Wake Forest residents find the option that best matches their healthcare needs.
Blue Cross NC: offers HMO, HMO-POS, PPO, D-SNP, and Part D prescription drug plan types, with a total of 9 Medicare plans available in Wake Forest, North Carolina for 2026.
Wake Forest, North Carolina residents with limited income and resources may qualify for Extra Help, also known as the Low Income Subsidy, which can reduce Part D prescription drug costs to near zero for those who meet federal income and asset thresholds. Medicare Savings Programs are available to help qualifying Wake Forest seniors cover their Part B premiums and other cost-sharing obligations, providing meaningful relief for those on fixed incomes. Wake Forest residents who qualify for both Medicare and Medicaid may be eligible for the Healthy Blue Medicare DSNP, a Dual Special Needs Plan that coordinates benefits across both programs through a single plan. With an uninsured rate of 5.7% and a poverty rate of 2.9% in Wake Forest, North Carolina, Health Plans of NC agents are available to check every resident's eligibility for financial assistance programs at no cost.
Extra Help (Low Income Subsidy) can reduce or eliminate Part D prescription drug plan premiums and copayments for qualifying Wake Forest, North Carolina Medicare beneficiaries who meet federal income and asset limits.
Medicare Savings Programs can cover Part B premiums and cost-sharing for eligible Wake Forest, North Carolina residents, significantly lowering monthly out-of-pocket Medicare expenses.
The Healthy Blue Medicare DSNP is available in Wake Forest, North Carolina for residents who qualify for both Medicare and Medicaid, coordinating all benefits through one convenient plan.
NC Medicaid provides additional healthcare coverage for low-income Wake Forest, North Carolina residents who may not yet be Medicare-eligible or who need supplemental assistance beyond Medicare benefits.
Health Plans of NC licensed agents can check your eligibility for Extra Help, Medicare Savings Programs, and D-SNP coverage in Wake Forest, North Carolina at absolutely no cost to you.
Health Plans of NC licensed agents serve Wake Forest, North Carolina residents at no cost, comparing every available Medicare plan side-by-side and guiding seniors through enrollment, plan changes, and benefit questions from start to finish. Call 800-797-0327 today to speak with a local agent who can help you find the right Medicare plan for your needs in Wake Forest, North Carolina.
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 Wake Forest, 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
Wake Forest, North Carolina ZIP Codes include: 27587 and 27588
