Live Worry-Free. Find the Right Medicare Plan in NC. in Durham County
North Carolina
in North Carolina
Durham County, NC residents have access to 8 Medicare plans for 2026 through Blue Cross NC, and Health Plans of NC helps local beneficiaries compare every available option at no cost, connecting them with coverage that works alongside leading health systems like Duke University Hospital and the Durham VA Medical Center.
Durham County is home to approximately 46,000 Medicare-eligible residents, representing 14.0% of the county's total population of 329,405, all of whom can access a broad range of Medicare coverage types for 2026. The county's healthcare landscape includes major Medicare-accepting systems such as Duke University Hospital, Duke Regional Hospital, UNC Hospitals, and the Durham VA Medical Center, giving beneficiaries strong provider options across multiple plan structures. Coverage categories available to Durham County residents include 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 work with any Medicare-accepting provider in the county.
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 provide coordinated care through in-network providers at facilities like Duke Regional Hospital and Lincoln Community Health Center, often at $0 monthly premium.
Medicare Advantage HMO-POS plans offer the structure of an HMO with added flexibility to seek care outside the network, supporting access to Duke University Hospital specialists.
Medicare Advantage PPO plans give Durham County residents the broadest in-network and out-of-network flexibility among Advantage plan types, including access to North Carolina Specialty Hospital.
Medicare Supplement (Medigap) plans work alongside Original Medicare and allow beneficiaries to visit any Medicare-accepting provider in Durham County, including Duke University Hospital and the Durham VA Medical Center, without network restrictions.
Part D Prescription Drug Plans provide standalone drug coverage for Durham County residents on Original Medicare or a Medicare Supplement, with benefits usable at local Walgreens, CVS, and independent pharmacies.
Dual Special Needs Plans (D-SNP) are designed for Durham County residents who qualify for both Medicare and Medicaid, coordinating benefits across both programs with access to local health centers like Lincoln Community Health Center.
Blue Cross NC offers 8 Medicare plans to Durham County residents for 2026, spanning HMO, HMO-POS, PPO, D-SNP, and standalone Part D structures, each with its own premium level and network configuration. Several plans carry a $0 monthly premium and are designed to work with Durham County's major provider networks, while the enhanced and PPO options add broader flexibility at a modest additional monthly cost. Beneficiaries should verify that their preferred providers at Duke University Hospital, Duke Regional Hospital, or the Durham VA Medical Center are included in a plan's network before enrolling.
Blue Medicare Medical Only, HMO-POS, $0.00 per month, provides medical-only coverage coordinated through Blue Cross NC's network of Durham County providers including Duke Regional Hospital.
Blue Medicare Essential, HMO, $0.00 per month, offers a fully integrated HMO structure with access to primary and specialty care providers within the Duke University Health System network.
Blue Medicare Essential Plus, HMO-POS, $0.00 per month, combines HMO coordination with point-of-service flexibility, supporting access to Duke University Hospital and surrounding Durham County facilities.
Blue Medicare Enhanced, HMO-POS, $40.00 per month, delivers an elevated benefit package with HMO-POS flexibility, connecting Durham County members to enhanced coverage at local hospitals and specialist offices.
Blue Medicare PPO Enhanced, PPO, $53.00 per month, provides the broadest provider flexibility among 2026 Durham County plans, allowing in-network and out-of-network use at facilities like North Carolina Specialty Hospital.
Blue Medicare Freedom+, HMO-POS, $0.00 per month, is a $0-premium option with point-of-service access, designed for Durham County residents who want HMO efficiency with added provider reach.
Healthy Blue Medicare DSNP, HMO-POS D-SNP, $0.00 per month, serves Durham County residents who qualify for both Medicare and Medicaid, coordinating dual benefits through local providers including Lincoln Community Health Center.
Blue Medicare Rx Enhanced PDP, standalone Part D Prescription Drug Plan, $163.20 per month, provides drug coverage for Durham County residents on Original Medicare or Medigap, usable at Walgreens, CVS, and local independent pharmacies.
Durham County residents choosing a Medicare Advantage plan for 2026 can select from options ranging from $0.00 per month for plans like Blue Medicare Essential and Blue Medicare Freedom+ up to $53.00 per month for the Blue Medicare PPO Enhanced, allowing beneficiaries at different budget levels to find a plan that fits. The standalone Blue Medicare Rx Enhanced PDP carries a monthly premium of $163.20 for those who need drug coverage alongside Original Medicare or a Medigap policy. Durham County's median household income of $79,501 means many residents can manage standard Medicare costs, though those closer to program income thresholds may qualify for Extra Help, the Medicare Savings Program, or other cost-reduction assistance that Health Plans of NC can help identify at no charge.
Part A: $0 premium for most Durham 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 Durham County residents for 2026, offering a total of 8 plans across multiple coverage structures in the county. Plan types available through Blue Cross NC include Health Maintenance Organization (HMO), Health Maintenance Organization with Point-of-Service option (HMO-POS), Preferred Provider Organization (PPO), Dual Special Needs Plan (D-SNP), and standalone Prescription Drug Plan (PDP), giving beneficiaries a wide range of structural choices. Blue Cross NC's provider networks in Durham County connect directly with major health systems including Duke University Hospital, Duke Regional Hospital, UNC Hospitals, and the Durham VA Medical Center, making network verification a critical step before enrollment. The plan a beneficiary selects can significantly affect their ability to access specialists within the Duke University Health System, receive care at the Durham VA Medical Center, or use outpatient services at North Carolina Specialty Hospital without incurring higher out-of-network costs. Health Plans of NC compares every available Blue Cross NC Medicare plan in Durham County side by side at no cost, helping residents match the right plan type and network to their specific provider preferences.
Blue Cross NC, offers HMO, HMO-POS, PPO, D-SNP, and standalone PDP plan types, with 8 total Medicare plans available in Durham County for 2026.
Durham County's uninsured rate of 11.6% and poverty rate of 12.0% indicate that a meaningful share of residents may qualify for one or more Medicare financial assistance programs that can significantly reduce out-of-pocket costs. The Extra Help program, also known as the Low Income Subsidy, can reduce Part D prescription drug costs to near $0 for eligible Durham County beneficiaries, while the Medicare Savings Program can cover Part B premiums for those who meet income and asset guidelines. Durham County residents who qualify for both Medicare and Medicaid may enroll in the Healthy Blue Medicare DSNP, which coordinates dual benefits through local providers. Health Plans of NC agents check eligibility for all available assistance programs at no cost to the beneficiary, ensuring that Durham County residents do not miss savings they are entitled to.
Extra Help (Low Income Subsidy) can reduce Part D prescription drug costs to near $0 for eligible Durham County Medicare beneficiaries who meet federal income guidelines.
The Medicare Savings Program may cover Part B premiums and cost-sharing for low-income Durham County residents who qualify based on income and asset limits.
The Healthy Blue Medicare DSNP is available to Durham County residents who qualify for both Medicare and Medicaid, providing coordinated zero-premium coverage through local providers.
NC Medicaid may provide additional coverage or cost assistance for low-income Durham County residents who do not yet qualify for Medicare or who are in a dual-eligible transition period.
Health Plans of NC agents help Durham County residents apply for Extra Help, Medicare Savings Programs, and D-SNP enrollment at no cost and with no obligation to enroll in any specific plan.
Health Plans of NC licensed agents serve Durham County residents at no cost, comparing every available 2026 Medicare plan side by side to help you find the right fit for your providers, prescriptions, and budget. Call 800-797-0327 to speak with a local agent who can guide you through enrollment, plan changes, and financial assistance options with no pressure and no fees.
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 Durham 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 |
|---|---|---|
Chatham Hospital | 475 Progress Blvd, Siler City, NC 27344 | (919) 799-4000 |
Cone Health Alamance Regl Med | 1240 Huffman Mill Rd, Burlington, NC 27215 | (336) 538-7000 |
Cone Health Annie Penn Hosp | 618 S Main St, Reidsville, NC 27320 | (336) 951-4000 |
Cone Health Behavioral Health | 700 Walter Reed Dr, Greensboro, NC 27403 | (336) 832-9700 |
Cone Health Medcenter High Pnt | 2630 Willard Dairy Rd, High Point, NC 27265 | (336) 884-3777 |
Cone Health Moses Cone Hosp | 1121 N Church St, Greensboro, NC 27401 | (336) 832-7000 |
Cone Health Wesley Long Hosp | 2400 W Friendly Ave, Greensboro, NC 27403 | (336) 832-1000 |
Cone Health Women's-Children's | 1121 N Church St, Greensboro, NC 27401 | (336) 832-6500 |
Duke Children's Hosp & Health | 2301 Erwin Rd, Durham, NC 27705 | (919) 668-4000 |
Duke Regional Hospital | 3643 N Roxboro St, Durham, NC 27704 | (919) 470-4000 |
Duke University Hospital | 2301 Erwin Rd, Durham, NC 27705 | (919) 684-8111 |
Durham VA Medical Ctr | 508 Fulton St, Durham, NC 27705 | (919) 286-0411 |
High Point Medical Ctr | 601 N Elm St, High Point, NC 27262 | (336) 878-6000 |
Kindred Healthcare | 2401 S Side Blvd, Greensboro, NC 27406 | (336) 604-2300 |
Lenox Baker Children's Hosp | 3000 Erwin Rd, Durham, NC 27705 | (919) 684-6669 |
North Carolina Specialty Hosp | 3916 Ben Franklin Blvd, Durham, NC 27704 | (919) 956-9300 |
Person Memorial Hospital | 615 Ridge Rd, Roxboro, NC 27573 | (336) 599-2121 |
Randolph Health | 364 White Oak St, Asheboro, NC 27203 | (336) 625-5151 |
Randolph Hospital | 364 White Oak St, Asheboro, NC 27203 | (336) 625-5151 |
Select Specialty Hosp-Durham | 3643 N Roxboro St # 6, Durham, NC 27704 | (984) 569-4040 |
Select Specialty Hosp-Grnsbr | 1200 N Elm St # 5, Greensboro, NC 27401 | (336) 832-5700 |
UNC Hospitals | 101 Manning Dr, Chapel Hill, NC 27514 | (984) 974-1000 |
UNC Rockingham Health Care | 117 E Kings Hwy, Eden, NC 27288 | (336) 623-9711 |
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
Durham County ZIP Codes include: 27503, 27701, 27702, 27703, 27704, 27705, 27706, 27707, 27708, 27709, 27710, 27711, 27712, 27713, 27715, 27717, and 27722
