Live Worry-Free. Find the Right Medicare Plan in NC. in Carteret County
North Carolina
in North Carolina
Carteret County, NC residents have access to 7 Medicare plans for 2026, and Health Plans of NC licensed agents can help you compare every available option at no cost, with no pressure to enroll, including plans that work directly with Carteret Health Care in Morehead City.
Carteret County is home to approximately 18,000 Medicare-eligible residents, representing 26.3% of the county's total population of 68,652, all of whom have access to a range of Medicare coverage types for 2026. Local health systems such as Carteret Health Care in Morehead City accept Medicare and provide comprehensive services including cardiology, oncology, orthopedics, and emergency care to beneficiaries across the county. Coverage categories available to Carteret County residents include Medicare Advantage HMO and HMO-POS plans, a Dual Special Needs Plan for those on both Medicare and Medicaid, and a standalone Part D prescription drug plan.
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 are available in Carteret County and typically work with local providers such as Carteret Health Care in Morehead City for primary and specialty care.
Medicare Advantage HMO-POS plans offer slightly more flexibility than standard HMO plans, allowing Carteret County residents to access some out-of-network care when needed.
Medicare Supplement (Medigap) plans work alongside Original Medicare and allow Carteret County residents to visit any provider nationwide that accepts Medicare, including regional systems like ECU Health Medical Center in Greenville and Carolina East Medical Center in New Bern.
Part D Prescription Drug Plans provide standalone prescription coverage for Carteret County residents enrolled in Original Medicare or a Medicare Advantage plan without built-in drug benefits.
Dual Special Needs Plans (D-SNP) are available for Carteret County residents who qualify for both Medicare and Medicaid, bundling coverage and coordinating care across both programs.
Blue Cross NC offers six Medicare Advantage and D-SNP plans plus one standalone Part D prescription drug plan in Carteret County for 2026, giving residents multiple structures to choose from based on their provider preferences and health needs. Plans range from $0 per month options that work within a defined network including Carteret Health Care, to a modestly priced enhanced option with broader benefits, to a standalone drug plan for those who prefer Original Medicare with added prescription coverage. Each plan's network and benefit structure affects how Carteret County residents access care at local facilities like Cape Carteret Family Medicine in Cedar Point and regional hospitals such as ECU Health Medical Center in Greenville.
Blue Medicare Medical Only, HMO-POS, $0.00 per month, provides hospital and medical coverage and connects beneficiaries to local providers within the Blue Cross NC network in Carteret County.
Blue Medicare Essential, HMO, $0.00 per month, bundles hospital, medical, and typically prescription drug coverage with access to Carteret Health Care and affiliated providers in the HMO network.
Blue Medicare Essential Plus, HMO-POS, $0.00 per month, offers the flexibility of point-of-service access beyond the standard HMO network while maintaining $0 monthly premium for Carteret County enrollees.
Blue Medicare Enhanced, HMO-POS, $40.00 per month, provides an elevated benefit package including additional dental, vision, and hearing coverage for Carteret County seniors who want richer benefits.
Blue Medicare Freedom+, HMO-POS, $0.00 per month, gives Carteret County residents a $0 premium plan with point-of-service flexibility, suitable for those who occasionally need care outside the primary network.
Healthy Blue Medicare DSNP, HMO-POS, $0.00 per month, is designed for Carteret County residents who are eligible for both Medicare and Medicaid, coordinating benefits across both programs through the Blue Cross NC network.
Blue Medicare Rx Enhanced PDP, standalone Part D plan, $163.20 per month, provides comprehensive prescription drug coverage for Carteret County residents enrolled in Original Medicare who want a robust formulary.
In 2026, Carteret County 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 the Blue Medicare Enhanced plan, which carries a richer benefit package. The standalone Blue Medicare Rx Enhanced PDP is priced at $163.20 per month for those who need prescription drug coverage outside of a Medicare Advantage plan. With a county median household income of $70,235, some Carteret County residents may qualify for Extra Help, Medicare Savings Programs, or other assistance that can significantly reduce their total Medicare costs, and Health Plans of NC can help identify eligibility at no charge.
Part A: $0 premium for most Carteret County 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 sole Medicare carrier serving Carteret County for 2026, offering a total of 7 plans across multiple coverage structures to meet a wide range of beneficiary needs. Plan types available through Blue Cross NC in Carteret County include HMO and HMO-POS Medicare Advantage structures, a Dual Special Needs Plan for dual-eligible residents, and a standalone Part D prescription drug plan. The Blue Cross NC carrier network connects directly with key local providers including Carteret Health Care in Morehead City and Cape Carteret Family Medicine in Cedar Point, making network compatibility an important factor when selecting a plan. For Carteret County residents on HMO-structured plans, understanding network boundaries is especially relevant when seeking specialist care at regional facilities such as ECU Health Medical Center in Greenville or Carolina East Medical Center in New Bern. Health Plans of NC agents compare every available Blue Cross NC Medicare plan side-by-side at no cost, helping each Carteret County resident evaluate their options based on their specific providers, prescriptions, and budget.
Blue Cross NC, offering Medicare Advantage HMO, HMO-POS, D-SNP, and standalone Part D plans, with a total of 7 plans available in Carteret County for 2026.
Carteret County residents with limited income and resources may qualify for Extra Help, also called the Low Income Subsidy, which can reduce Part D prescription drug costs to near $0 per month and is available through the federal government at no cost to apply. Medicare Savings Programs can help eligible residents have their Part B premiums paid on their behalf, reducing monthly out-of-pocket costs substantially for those who qualify based on income and asset guidelines. Carteret County residents who are enrolled in both Medicare and Medicaid may be eligible for the Healthy Blue Medicare DSNP, which coordinates benefits across both programs and is available at $0 per month. With an uninsured rate of 9.3% and a poverty rate of 10.0% in Carteret County, a meaningful share of residents may qualify for one or more of these assistance programs, and Health Plans of NC can check eligibility at no cost.
Extra Help or Low Income Subsidy can reduce monthly Part D prescription drug plan costs significantly for Carteret County residents who meet federal income and resource limits.
Medicare Savings Programs through the state of North Carolina can cover Part B premiums for qualifying low-income Carteret County residents, freeing up budget for other essential expenses.
The Healthy Blue Medicare DSNP is available at $0 per month for Carteret County residents who qualify for both Medicare and Medicaid and provides coordinated care through the Blue Cross NC network.
NC Medicaid may provide additional coverage and cost-sharing assistance for low-income Carteret County residents who meet eligibility requirements alongside their Medicare coverage.
Health Plans of NC agents can check your eligibility for Extra Help, Medicare Savings Programs, and D-SNP enrollment at no cost, with no obligation to enroll in any plan.
Health Plans of NC licensed agents serve Carteret County residents at no cost and can compare every available 2026 Medicare plan side-by-side, helping you find the right coverage for your providers, 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 pressure to enroll.
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 Carteret County
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.
Hospital | Address | Phone |
|---|---|---|
Carolina East Medical Ctr | 2000 Neuse Blvd, New Bern, NC 28560 | (252) 633-8111 |
Carteret Health Care | 3500 Arendell St, Morehead City, NC 28557 | (252) 499-6000 |
Cherry Hospital | 1401 W Ash St, Goldsboro, NC 27530 | (919) 947-7000 |
ECU Health Beaufort Hosp A | 628 E 12th St, Washington, NC 27889 | (252) 975-4100 |
ECU Health Maynard Children's | 2102 Stantonsburg Rd, Greenville, NC 27834 | (252) 816-3714 |
ECU Health Medical Ctr | 2100 Stantonsburg Rd, Greenville, NC 27834 | (252) 847-4100 |
UNC Lenoir Health Care | 100 Airport Rd, Kinston, NC 28501 | (252) 522-7000 |
Walter B Jones Alcohol & Drug | 2577 W 5th St, Greenville, NC 27834 | (252) 830-3426 |
Wayne MEMORIAL Hospital | 2605 Medical Office Pl, Goldsboro, NC 27534 | (919) 731-6112 |
Wayne UNC Health Care | 2700 Wayne Memorial Dr, Goldsboro, NC 27534 | (919) 736-1110 |
Clinic | Address | Phone |
|---|---|---|
Abhishek K Mishra MD | 701 Doctors Dr, Kinston, NC 28501 | (252) 559-2200 |
Acupuncture Of Eastern NC | 1425 S Glenburnie Rd # 6, New Bern, NC 28562 | (252) 665-3294 |
Audit-Tel | , Greenville, NC 27858 | (252) 353-3331 |
Cape Carteret Family Medicine | 1057d Cedar Point Blvd # D, Cedar Point, NC 28584 | (252) 764-2121 |
Community Care Plan-Eastern | 521 Moye Blvd # C, Greenville, NC 27834 | (252) 816-0830 |
East Carolina Heart Inst | 526 Moye Blvd, Greenville, NC 27834 | (252) 847-5755 |
East Carolina Univ Family Med | 101 Heart Dr, Greenville, NC 27834 | (252) 744-4611 |
East Coast Onsite Medical Care | 505 Greenville Blvd SE, Greenville, NC 27858 | (252) 754-2273 |
Ecu Department-Family Medicine | 101 Heart Dr, Greenville, NC 27834 | (252) 744-2607 |
ECU Health Bover Hospital | 1209 Brown St, Washington, NC 27889 | (252) 975-4308 |
ECU Health Family Medicine-LA | 101 S Carey St, La Grange, NC 28551 | (252) 566-4021 |
ECU Health Gamma Knife Ctr | 2100 Stantonsburg Rd, Greenville, NC 27834 | (252) 847-2611 |
ECU Health Gastroenterology | 521 Moye Blvd # C, Greenville, NC 27834 | (252) 816-0800 |
ECU Health Heart-Vascular Care | 701 Doctors Dr # B, Kinston, NC 28501 | (252) 559-2200 |
ECU Health Sleep Ctr-Grnvll | 4 Doctors Park Medical Dr, Greenville, NC 27834 | (252) 847-7500 |
Goshen Medical Ctr-Fremont | 109 S Sycamore St, Fremont, NC 27830 | (919) 242-4382 |
Goshen Medical Ctr | 2001 Neuse Blvd, New Bern, NC 28560 | (910) 219-1082 |
Goshen Medical Ctr | 325 N Carolina Highway 55, Mount Olive, NC 28365 | (919) 658-5900 |
Healthfirst Medical Ctr Inc | 1201 Carolina Ave, Washington, NC 27889 | (252) 833-0365 |
Lindsey Roberson FNP | 701 Doctors Dr, Kinston, NC 28501 | (252) 559-2200 |
Med Center 1 | 1688 E Arlington Blvd, Greenville, NC 27858 | (252) 353-1464 |
Miracles In Sight | 620 Red Banks Rd, Greenville, NC 27858 | (252) 751-0785 |
Snow Hill Medical Ctr | 1106 Kingold Blvd, Snow Hill, NC 28580 | (252) 747-2921 |
UNC Family Medicine At Rswd | 2600 US Highway 70 W, Goldsboro, NC 27530 | (919) 739-4808 |
Vidant Medical Ctr | 3900 E 10th St, Greenville, NC 27858 | (252) 847-4325 |
Vidant Outpatient Rehab | 2310 Stantonsburg Rd, Greenville, NC 27834 | (252) 847-6603 |
Vitality Health & Wellness | 1429 E Fire Tower Rd # 104, Greenville, NC 27858 | (252) 364-2802 |
Westcare Innovative Healthcare | 2710 Beddard Rd, Grimesland, NC 27837 | (252) 754-0920 |
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
Carteret County ZIP Codes include: 28511, 28512, 28516, 28520, 28524, 28528, 28531, 28553, 28557, 28570, 28575, 28577, 28579, 28581, 28584, 28589, and 28594
