Live Worry-Free. Find the Right Medicare Plan in NC. in Cumberland County
North Carolina
in North Carolina
Health Plans of NC helps Cumberland County residents compare all 8 available Medicare plans for 2026 at no cost, with local expertise focused on the Fayetteville area and providers including Cape Fear Valley Medical Center.
Cumberland County, NC is home to approximately 43,000 Medicare-eligible residents, representing 12.7% of the county's total population of 336,749. Major health systems including Cape Fear Valley Medical Center and Highsmith-Rainey Specialty Hospital accept Medicare, giving local beneficiaries access to covered services ranging from routine preventive care to specialized treatments in cardiology, oncology, and orthopedics. Cumberland County residents can choose from Medicare Advantage plans, Medicare Supplement coverage, standalone Part D prescription drug plans, and a Dual Special Needs Plan for those who qualify for both Medicare and Medicaid.
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 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 Cumberland County offer bundled Part A, B, and D coverage with access to in-network providers at Cape Fear Valley Medical Center.
Medicare Advantage HMO-POS plans give Cumberland County beneficiaries the option to seek care both in-network and out-of-network at Cape Fear Valley Health System facilities.
Medicare Advantage PPO plans in Cumberland County provide greater provider flexibility, including access to specialists at Highsmith-Rainey Specialty Hospital at 150 Robeson St.
Medicare Supplement plans, also called Medigap, work alongside Original Medicare and allow Cumberland County residents to use any Medicare-accepting provider, including those at Cape Fear Valley Medical Center.
Part D Prescription Drug Plans provide standalone prescription coverage for Cumberland County residents on Original Medicare, with participating pharmacies including Walgreens and Medical Arts Pharmacy in Fayetteville.
The Dual Special Needs Plan available in Cumberland County serves residents who qualify for both Medicare and Medicaid, coordinating benefits across both programs for eligible Fayetteville-area beneficiaries.
Blue Cross NC offers eight Medicare plans in Cumberland County for 2026, spanning HMO, HMO-POS, PPO, PDP, and D-SNP plan types, with monthly premiums ranging from $0 to $163.20 depending on the plan selected. Several plans carry $0 monthly premiums beyond the standard Part B cost, making them accessible options for Cumberland County beneficiaries who receive care through providers connected to Cape Fear Valley Medical Center and Highsmith-Rainey Specialty Hospital. The standalone Part D prescription drug plan and the Dual Special Needs Plan round out the available options, ensuring coverage choices for a wide range of Cumberland County residents including those with both Medicare and Medicaid eligibility.
Blue Medicare Medical Only, HMO-POS, $0.00 per month, provides medical-only coverage tied to in-network providers in the Cape Fear Valley Health System.
Blue Medicare Essential, HMO, $0.00 per month, bundles hospital, medical, and drug coverage with access to Cumberland County providers in the Blue Cross NC HMO network.
Blue Medicare Essential Plus, HMO-POS, $0.00 per month, adds point-of-service flexibility for Cumberland County beneficiaries who may occasionally need care outside the standard HMO network.
Blue Medicare Enhanced, HMO-POS, $40.00 per month, offers an enhanced benefit level for Cumberland County residents who want additional coverage beyond the base HMO-POS tier.
Blue Medicare PPO Enhanced, PPO, $53.00 per month, delivers broader provider access for Cumberland County beneficiaries who want the option to see specialists at Highsmith-Rainey Specialty Hospital without a referral.
Blue Medicare Freedom+, HMO-POS, $0.00 per month, gives Cumberland County residents a $0 premium option with point-of-service access that extends beyond a standard HMO network.
Healthy Blue Medicare DSNP, HMO-POS, $0.00 per month, is designed for Cumberland County residents who qualify for both Medicare and Medicaid, coordinating care across both programs.
Blue Medicare Rx Enhanced PDP, standalone Part D prescription drug plan, $163.20 per month, provides prescription drug coverage for Cumberland County beneficiaries who are enrolled in Original Medicare or a Medicare Supplement plan, with participating pharmacies including Walgreens and Medical Arts Pharmacy in Fayetteville.
For 2026, Cumberland County Medicare Advantage plan premiums range from $0 per month for plans such as Blue Medicare Essential and Blue Medicare Freedom+ to $53.00 per month for the Blue Medicare PPO Enhanced plan, giving residents a range of price points to fit different budgets. With a county median household income of $58,780, many Cumberland County beneficiaries may qualify for programs that reduce prescription drug costs, Part B premiums, or out-of-pocket expenses, depending on their specific income and household size. Health Plans of NC agents can review the full cost picture for each available plan, including copayments, deductibles, and drug formulary costs, so Cumberland County residents can make an informed comparison before enrolling.
Part A: $0 premium for most Cumberland 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 Medicare carrier serving Cumberland County for 2026, offering a total of 8 plans across HMO, HMO-POS, PPO, PDP, and D-SNP plan types to eligible residents in the Fayetteville area. The Blue Cross NC provider network in Cumberland County is built around relationships with local health systems, with plans connecting beneficiaries to facilities including Cape Fear Valley Medical Center at 1638 Owen Dr and Highsmith-Rainey Specialty Hospital at 150 Robeson St. Selecting a Blue Cross NC plan in Cumberland County directly determines which providers, specialists, and facilities a beneficiary can access at the lowest out-of-pocket cost, making the network structure a critical factor alongside premium pricing. Veterans and military-connected beneficiaries in Cumberland County should also consider how a Blue Cross NC Medicare plan coordinates with services available at the Fayetteville VA Medical Center at 2300 Ramsey St and Womack Army Medical Center at Fort Bragg. Health Plans of NC compares every available Medicare plan side by side at no cost to Cumberland County residents, with no pressure to enroll.
Blue Cross NC, offers Medicare Advantage HMO, HMO-POS, and PPO plans, a standalone Part D prescription drug plan, and a Dual Special Needs Plan, with 8 total plans available in Cumberland County for 2026.
Cumberland County 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 $0 for eligible beneficiaries enrolled in a standalone drug plan or a Medicare Advantage plan with drug coverage. Medicare Savings Programs can help qualifying Cumberland County residents cover their Part B premiums, deductibles, and coinsurance, providing meaningful financial relief for those on fixed incomes. Cumberland County 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. With a county uninsured rate of 10.4% and a poverty rate of 17.2%, financial assistance programs play an important role in helping Cumberland County residents access and maintain Medicare coverage, and Health Plans of NC checks eligibility for these programs at no cost.
Extra Help and the Low Income Subsidy can significantly reduce monthly Part D prescription drug plan premiums and cost-sharing for qualifying Cumberland County residents.
Medicare Savings Programs may pay some or all of the Part B premium for eligible Cumberland County beneficiaries who meet state income and resource guidelines.
The Healthy Blue Medicare DSNP is available in Cumberland County for residents who are enrolled in both Medicare and NC Medicaid, providing coordinated, low-cost coverage.
NC Medicaid may provide additional health coverage for low-income Cumberland County residents who do not yet qualify for Medicare or who need supplemental assistance beyond Medicare.
Health Plans of NC agents can screen Cumberland County residents for Extra Help, Medicare Savings Program eligibility, and D-SNP qualification at no cost and with no obligation to enroll.
Health Plans of NC licensed agents serve Cumberland County residents directly, comparing every available Medicare Advantage, Medicare Supplement, and Part D plan side by side at no cost and with no pressure to enroll. Call 800-797-0327 to speak with an agent who can help you find the right plan for your providers, prescriptions, and budget in the Fayetteville area.
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 Cumberland 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 |
|---|---|---|
Atrium Health Anson | 2301 US Highway 74 W, Wadesboro, NC 28170 | (704) 994-4500 |
Betsy Johnson Hospital | 800 Tilghman Dr, Dunn, NC 28334 | (910) 892-1000 |
Cape Fear Valley Medical Ctr | 1638 Owen Dr, Fayetteville, NC 28304 | (910) 615-4000 |
Central Carolina Hospital | 1135 Carthage St, Sanford, NC 27330 | (919) 774-2100 |
Central Harnett Hospital | 215 Brightwater Dr, Lillington, NC 27546 | (910) 892-1000 |
Fayetteville VA Hosp Med Ctr | 2300 Ramsey St, Fayetteville, NC 28301 | (910) 488-2120 |
First Health Montgomery Meml | 520 Allen St, Troy, NC 27371 | (910) 571-5000 |
First Health Moore Regl Hosp-Hk | 6408 Fayetteville Rd, Raeford, NC 28376 | (910) 878-6000 |
First Health Moore Regl Hosp | 155 Memorial Dr, Pinehurst, NC 28374 | (910) 715-1000 |
First HealthMoore Regl Hosp | 925 S Long Dr, Rockingham, NC 28379 | (910) 417-3000 |
Highsmith-Rainey Spec Hosp | 150 Robeson St, Fayetteville, NC 28301 | (910) 615-1000 |
Hoke Hospital | 210 Medical Pavilion Dr, Raeford, NC 28376 | (910) 904-8000 |
Scotland Memorial Hospital | 500 Lauchwood Dr, Laurinburg, NC 28352 | (910) 291-7000 |
Womack Army Medical Ctr | 2817 Reilly St, Fort Bragg, NC 28310 | (910) 907-6000 |
Clinic | Address | Phone |
|---|---|---|
Alamance Ear Nose & Throat LLP | 4030 Oaks Professional Pkwy # 201, Burlington, NC 27215 | (336) 226-0660 |
Alamance Regional Medical Ctr | 1240 Huffman Mill Rd, Burlington, NC 27215 | (336) 538-7000 |
Alamance Regional Pain Clinic | 1236 Huffman Mill Rd # 2000, Burlington, NC 27215 | (336) 538-7180 |
Bethany Medical At North Main | 819 N Main St # 112, High Point, NC 27262 | (336) 289-2299 |
Bethany Medical At South Main | 2805 S Main St, High Point, NC 27263 | (336) 289-2727 |
Bethany Medical Ctr | 3604 Peters Ct, High Point, NC 27265 | (336) 883-0029 |
Bethany Medical Ctr | 3801 W Market St, Greensboro, NC 27407 | (336) 883-0029 |
Bethany Medical Ctr | 507 N Lindsay St, High Point, NC 27262 | (336) 883-0029 |
Central Carolina Health Ntwrk | 1 Centerview Dr # 202, Greensboro, NC 27407 | (336) 292-0665 |
Chapel Hill Obstetrics-Gynclgy | 6216 Fayetteville Rd, Durham, NC 27713 | (919) 942-8571 |
Clinical Choice | 7300 Cessna Dr, Greensboro, NC 27409 | (336) 550-4180 |
Cone Health Covid-19 Testing | 1238 Huffman Mill Rd, Burlington, NC 27215 | (336) 890-1140 |
Cone Health Covid-19 Testing | 1830 Lendew St, Greensboro, NC 27408 | (336) 890-1140 |
Cone Health Covid-19 Testing | 2363 Corporation Pkwy, Burlington, NC 27215 | (336) 890-1140 |
Cone Health Covid-19 Testing | 525 Maple Ave, Reidsville, NC 27320 | (336) 890-1140 |
Cone Health Covid-19 Testing | 617 S Main St, Reidsville, NC 27320 | (336) 890-1140 |
Cone Health Ctr For Maternal | 930 3rd St # 200, Greensboro, NC 27405 | (336) 890-3255 |
Cone Health Mebane Physical | 102 Medical Park Dr, Mebane, NC 27302 | (919) 304-5060 |
Cone Health Medcenter Mebane | 3940 Arrowhead Blvd # 110, Mebane, NC 27302 | (919) 568-7300 |
Cone Health Outpatient Rehab | 618 S Main St Inside Annie Pen, Reidsville, NC 27320 | (336) 951-4000 |
Cone Health Sleep Disorders | 509 N Elam Ave # 300-D, Greensboro, NC 27403 | (336) 832-0410 |
Cone Health Women's-Children's | 1121 N Church Street Entrance, Greensboro, NC 27401 | (336) 832-6500 |
Duke Cancer Ctr Acute Care | 20 Duke Medicine Cir, Durham, NC 27710 | (919) 668-6608 |
Duke Cancer Ctr Radiation | 20 Duke Medicine Cir, Durham, NC 27710 | (919) 660-2100 |
Duke Children's Health Ctr | 2301 Erwin Rd # 34ththfloor, Durham, NC 27705 | (919) 613-7777 |
Duke Health | 234 Crooked Creek Pkwy # 500, Durham, NC 27713 | (919) 684-3834 |
Duke Pediatric Dermatology | 5324 Mcfarland Rd # 410, Durham, NC 27707 | (919) 684-3432 |
Duke University Med Ctr Gen | , Durham, NC 27701 | (919) 684-2410 |
Duke University Med Ctr Gen | , Durham, NC 27710 | (919) 681-4722 |
Duke University Med Ctr Gen | PO Box 90950, Durham, NC 27708 | (919) 681-2020 |
Duke Wound Mgmt Clinic-Clinic | 40 Duke Medicine Cir, Durham, NC 27710 | (919) 684-3432 |
Health Center Of Hillsborough | 401 Meadowlands Dr # 101, Hillsborough, NC 27278 | (919) 241-5032 |
Lebauer Healthcare At Green | 709 Green Valley Rd, Greensboro, NC 27408 | (336) 547-1792 |
Lebauer Healthcare Grandover | 4023 Guilford College Rd, Greensboro, NC 27407 | (336) 890-2040 |
Lebauer Primary Care At Elam | 520 N Elam Ave, Greensboro, NC 27403 | (336) 547-1792 |
Renaissance Family Medicine | 2525c Phillips Ave, Greensboro, NC 27405 | (336) 832-7711 |
Sleep Disorders Ctr At | 1248 Huffman Mill Rd # 101, Burlington, NC 27215 | (866) 937-6692 |
UNC At Chapel Hill Medical Ctr | Cb 7010, Chapel Hill, NC 27599 | (919) 966-5136 |
UNC Hospitals Lab Hillsborough | 460 Waterstone Dr # Firstfloor, Hillsborough, NC 27278 | (919) 595-5970 |
UNC Hospitals Multispecialty | 101 Manning Dr # Firstfloor, Chapel Hill, NC 27514 | (984) 974-0150 |
University-NC-Health Care | 100 Sprunt St, Chapel Hill, NC 27517 | (919) 966-5500 |
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
Cumberland County ZIP Codes include: 28301, 28302, 28303, 28304, 28305, 28307, 28308, 28309, 28310, 28311, 28312, 28314, 28331, 28342, 28348, 28391, and 28395
