Live Worry-Free. Find the Right Medicare Plan in NC. in Franklin County
North Carolina
in North Carolina
Franklin County, NC residents have access to 8 Medicare plans for 2026, and Health Plans of NC helps every eligible resident compare options at no cost, matching coverage to their providers, prescriptions, and budget.
Franklin County is home to approximately 12,000 Medicare-eligible residents, representing 17.1% of the county's total population of 71,962, and all major coverage types are available to support their healthcare needs. Local and regional health systems including UNC Health Johnston and Duke Raleigh Hospital accept Medicare across a broad range of services, from primary care and cardiology to orthopedics and emergency medicine. Franklin County beneficiaries can choose from Medicare Advantage HMO, HMO-POS, and PPO plans, standalone Part D Prescription Drug Plans, Medicare Supplement policies, and a Dual Special Needs Plan for those who also qualify for 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 | $47.00/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 Franklin County, offering coordinated care through networks that include regional health systems such as UNC Health Johnston.
Medicare Advantage HMO-POS plans give Franklin County residents the flexibility to see both in-network and some out-of-network providers, including specialists affiliated with Duke Raleigh Hospital.
Medicare Advantage PPO plans are available to Franklin County beneficiaries who want broader provider access across the regional hospital network without a referral requirement.
Medicare Supplement (Medigap) plans work alongside original Medicare and allow Franklin County seniors to visit virtually any Medicare-accepting provider nationwide, including Duke Raleigh Hospital and UNC Health Johnston.
Part D Prescription Drug Plans are available as standalone coverage for Franklin County residents who choose original Medicare or a Medigap policy and need drug benefits.
The Dual Special Needs Plan (D-SNP) is available for Franklin County residents who are enrolled in both Medicare and Medicaid, providing coordinated benefits through a single plan.
Blue Cross NC offers eight Medicare plans to Franklin County residents for 2026, spanning HMO, HMO-POS, PPO, PDP, and D-SNP plan types with premiums ranging from $0 per month to $163.20 per month. Each plan connects beneficiaries to provider networks that serve Franklin County and the surrounding region, including facilities affiliated with Duke Raleigh Hospital and UNC Health Johnston. Franklin County residents should verify that their preferred providers and specialists are in-network before enrolling, as network access varies by plan type.
Blue Medicare Medical Only, HMO-POS, $0.00 per month, provides hospital and medical coverage through networks serving Franklin County and nearby regional facilities.
Blue Medicare Essential, HMO, $0.00 per month, bundles Part A, Part B, and Part D drug coverage into a single coordinated plan for Franklin County residents.
Blue Medicare Essential Plus, HMO-POS, $0.00 per month, offers the flexibility of both in-network and limited out-of-network access for Franklin County beneficiaries seeking broader care options.
Blue Medicare Enhanced, HMO-POS, $47.00 per month, provides enhanced benefits beyond basic Medicare Advantage coverage through networks that include regional health systems near Franklin County.
Blue Medicare PPO Enhanced, PPO, $53.00 per month, gives Franklin County residents the widest provider flexibility among Advantage plans, with access to a broad regional network including Duke Raleigh Hospital and UNC Health Johnston.
Blue Medicare Freedom+, HMO-POS, $0.00 per month, offers a no-premium option with HMO-POS flexibility for Franklin County residents who want coverage beyond a standard HMO.
Healthy Blue Medicare DSNP, HMO-POS, $0.00 per month, is designed for Franklin County residents who qualify for both Medicare and Medicaid, coordinating dual benefits through a single plan.
Blue Medicare Rx Enhanced PDP, standalone Part D Prescription Drug Plan, $163.20 per month, provides comprehensive drug coverage for Franklin County residents enrolled in original Medicare or a Medigap policy.
Franklin County's median household income of $71,386 means that monthly Medicare premiums and out-of-pocket costs represent a significant portion of many retirees' fixed budgets, making careful plan comparison essential. For 2026, Medicare Advantage plans in Franklin County 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, while the standalone Blue Medicare Rx Enhanced PDP is priced at $163.20 per month. Residents whose income falls below certain thresholds relative to the federal poverty level may qualify for programs that reduce or eliminate these costs, and a Health Plans of NC agent can identify which savings programs apply to each individual.
Part A: $0 premium for most Franklin 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 offering plans to Franklin County residents for 2026, with a total of 8 plans available across multiple plan types. Those plan types include Medicare Advantage HMO, HMO-POS, and PPO formats, a standalone Part D Prescription Drug Plan, and a Dual Special Needs Plan for dual-eligible beneficiaries. The provider networks associated with Blue Cross NC plans connect Franklin County beneficiaries to local and regional health systems, including UNC Health Johnston and Duke Raleigh Hospital, as well as additional facilities such as Rex Hospital, WakeMed campuses, and Granville Health System in Oxford. Choosing between plan types matters significantly in Franklin County because an HMO may limit access to certain specialists or outpatient clinics, while a PPO or HMO-POS can allow more flexibility across the region without always requiring a referral. Health Plans of NC compares every available Medicare plan side-by-side at no cost, helping Franklin County residents identify which carrier plan best matches their doctors, medications, and financial situation.
Blue Cross NC, offers Medicare Advantage HMO, HMO-POS, PPO, Part D PDP, and D-SNP plans, 8 total plans available in Franklin County for 2026.
Franklin County has an uninsured rate of 9.8% and a poverty rate of 10.1%, meaning a meaningful share of residents may qualify for programs that reduce Medicare costs significantly. The Extra Help program, also known as the Low Income Subsidy, can reduce or eliminate Part D prescription drug plan premiums and copays for Franklin County residents whose income and resources fall below federal thresholds. Medicare Savings Programs can cover the Part B premium entirely for qualifying beneficiaries, and the Healthy Blue Medicare DSNP is available to Franklin County residents who are enrolled in both Medicare and Medicaid, coordinating all benefits through a single plan. Health Plans of NC agents screen every Franklin County resident for eligibility across all available assistance programs at no cost and with no obligation.
Extra Help and the Low Income Subsidy program can reduce Part D prescription drug costs to near $0 for qualifying Franklin County residents who meet federal income and resource limits.
Medicare Savings Programs, including the Qualified Medicare Beneficiary program, can cover the Part B premium and cost-sharing for eligible Franklin County seniors with limited income.
The Dual Special Needs Plan (D-SNP) is designed for Franklin County residents who qualify for both Medicare and Medicaid, wrapping both programs into coordinated, low-cost coverage.
NC Medicaid may provide additional health coverage for low-income Franklin County residents who do not yet qualify for Medicare or who need supplemental assistance alongside Medicare.
Health Plans of NC agents help Franklin County residents apply for Extra Help, Medicare Savings Programs, and D-SNP enrollment at no cost and with no sales pressure.
Health Plans of NC licensed agents serve Franklin County residents at no cost, comparing every available Medicare plan side-by-side to help you find the right fit for your doctors, prescriptions, and budget. Call 800-797-0327 today to speak with a local agent who can guide you through enrollment, plan changes, and any financial assistance programs you may qualify for.
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 Franklin 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 |
|---|---|---|
Central Regional Hospital | 300 Veazey Dr, Butner, NC 27509 | (919) 764-2000 |
Duke Raleigh Hospital | 3400 Wake Forest Rd, Raleigh, NC 27609 | (919) 954-3000 |
Granville Health System | 1010 College St, Oxford, NC 27565 | (919) 690-3000 |
Holly Hill Hospital | 3019 Falstaff Rd, Raleigh, NC 27610 | (919) 250-7000 |
Nash General Hospital | 2460 Curtis Ellis Dr, Rocky Mount, NC 27804 | (252) 962-8000 |
PAM Specialty Hosp Of Rocky Mt | 1051 Noell Ln, Rocky Mount, NC 27804 | (252) 451-2300 |
Rex Hospital | 4420 Lake Boone Trl, Raleigh, NC 27607 | (919) 784-3100 |
Strategic Behavioral Ctr Rlgh | 3200 Waterfield Dr, Garner, NC 27529 | (919) 800-4400 |
UNC Health Johnston | 509 N Brightleaf Blvd, Smithfield, NC 27577 | (919) 934-8171 |
UNC Hospitals At Wakebrook | 111 Sunnybrook Rd, Raleigh, NC 27610 | (984) 974-4800 |
WakeMed Cary Hospital | 1900 Kildaire Farm Rd, Cary, NC 27518 | (919) 350-8000 |
WakeMed North Hospital | 10000 Falls Of Neuse Rd, Raleigh, NC 27614 | (919) 350-8000 |
WakeMed Raleigh Campus | 3000 New Bern Ave, Raleigh, NC 27610 | (919) 350-8000 |
Wilson Medical Ctr | 1705 Tarboro St SW, Wilson, NC 27893 | (252) 399-8040 |
Clinic | Address | Phone |
|---|---|---|
Angier Pediatric & Adult Med | 441 Lakestone Commons Ave, Fuquay Varina, NC 27526 | (919) 577-0481 |
Benson Area Medical Ctr Inc | 11801 Vogel St, Raleigh, NC 27617 | (919) 207-4403 |
Beverly Medical Ctr | 6008 Creedmoor Rd, Raleigh, NC 27612 | (919) 844-4552 |
Brier Creek Medical Pavilion | 10207 Cerny St, Raleigh, NC 27617 | (919) 634-6269 |
Carolina Neuropsychology Svc | 3900 Barrett Dr # 102, Raleigh, NC 27609 | (919) 859-9040 |
Carolinas Center For Med | 3600 Glenwood Ave # 120, Raleigh, NC 27612 | (919) 461-5500 |
Clayton Dialysis Ctr | 86 Healthpark Way, Clayton, NC 27520 | (919) 550-7456 |
Clinton Dialysis Unit | 545 E Market St, Smithfield, NC 27577 | (919) 934-2826 |
Duke Raleigh Hosp Palliative | 3404 Wake Forest Rd, Raleigh, NC 27609 | (919) 862-5400 |
Duke Raleigh Hosp Pre | 3300 Executive Dr, Raleigh, NC 27609 | (919) 954-3940 |
Duke Raleigh Hosp | 3404 Wake Forest Rd, Raleigh, NC 27609 | (919) 862-5718 |
Duke Rheumatology Raleigh | 3480 Wake Forest Rd # 414, Raleigh, NC 27609 | (919) 613-2243 |
Duke Spine-Pain Mgmt-Raleigh | 3480 Wake Forest Rd, Raleigh, NC 27609 | (919) 862-5367 |
Duke Women's Health Heritage | 3000 Rogers Rd, Wake Forest, NC 27587 | (919) 385-2940 |
Eastern Carolina Pathology | 2693 Forest Hills Rd SW # B, Wilson, NC 27893 | (252) 234-2841 |
ECU Health Family Medicine | 1704 Glendale Dr. SW, Wilson, NC 27893 | (252) 246-8960 |
Fastmed Family Medicine | 11491 US 70 Business Hwy W, Clayton, NC 27520 | (919) 550-2484 |
Fastmed Family Medicine | 5156 N Carolina 42, Garner, NC 27529 | (919) 329-5000 |
Goshen Medical Ctr Inc | 1624 White Oak Church Rd, Apex, NC 27523 | (941) 267-2042 |
Granville Medical Ctr | 1010 College St, Oxford, NC 27565 | (919) 690-3000 |
Karissa Binkley | 1021 W Williams St # 105, Apex, NC 27502 | (919) 961-9885 |
Meso & Beyond Medical Ctr | 1000 N Main St # 100, Fuquay Varina, NC 27526 | (919) 285-4373 |
Pai Wellness Group | 9380 Falls Of Neuse Rd # 101, Raleigh, NC 27615 | (919) 529-3355 |
Rocky Mt Medical Park | 901 N Winstead Ave, Rocky Mount, NC 27804 | (252) 937-8507 |
Siemens Medical Solutions | 209 Gregson Dr, Cary, NC 27511 | (919) 461-0132 |
Smithfield Pulmonology | 706 Wilkins St # A, Smithfield, NC 27577 | (919) 989-1800 |
Southern Wake Medical Ctr | 415 Wake Chapel Rd, Fuquay Varina, NC 27526 | (919) 552-9143 |
Synchrony Energetics Incl | 3201 Nash St NW # A, Wilson, NC 27896 | (252) 373-4722 |
UNC Fertility | 7920 Acc Blvd # 300, Raleigh, NC 27617 | (919) 908-0000 |
Voyage Anesthesia PC | 101 Forest Dr # D, Knightdale, NC 27545 | (919) 341-0188 |
Wake Health Svc | , Franklinton, NC 27525 | (919) 494-5246 |
WakeMed Brier Creek Healthplex | 8001 T W Alexander Dr, Raleigh, NC 27617 | (919) 350-8000 |
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
Franklin County ZIP Codes include: 27508, 27525, 27549, and 27596
