Live Worry-Free. Find the Right Medicare Plan in NC. in Harnett County
North Carolina
in North Carolina
Health Plans of NC helps Harnett County, NC residents find and enroll in the right Medicare coverage for 2026, with access to plans through Blue Cross NC that work with local health systems including Cape Fear Valley Harnett Health and UNC Health Johnston. Our licensed agents compare all 8 available Medicare plans at no cost, so you can make a confident, informed decision about your coverage.
Harnett County, NC has approximately 18,000 Medicare-eligible residents, representing 13.4% of the county's total population of 136,503, and all major plan types are available to serve this community in 2026. Local health systems including Cape Fear Valley Harnett Health, which operates Central Harnett Hospital in Lillington and Betsy Johnson Hospital in Dunn, and UNC Health Johnston accept Medicare across a range of plan types. Coverage options span Medicare Advantage HMO and HMO-POS plans, PPO plans, a standalone Part D prescription drug plan, a Dual Special Needs Plan for dual-eligible residents, and Medicare Supplement plans that allow access to any Medicare-accepting provider nationwide.
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 | $35.00/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 Harnett County provide structured network coverage through Blue Cross NC, with in-network access to facilities affiliated with Cape Fear Valley Harnett Health.
Medicare Advantage HMO-POS plans offer the same core HMO network structure but allow some out-of-network access when needed, useful for Harnett County residents who occasionally see providers in Fayetteville or Sanford.
Medicare Advantage PPO plans give Harnett County residents greater flexibility to see in-network and out-of-network providers, including specialists at First Health Moore Regional Hospital in Pinehurst.
Medicare Supplement (Medigap) plans allow Harnett County beneficiaries to visit any Medicare-accepting hospital nationwide, including Cape Fear Valley Medical Center in Fayetteville, without network restrictions.
Part D Prescription Drug Plans provide standalone prescription coverage for Harnett County residents on Original Medicare, with access to retail pharmacies such as Walgreens and CVS throughout the county.
The Dual Special Needs Plan (D-SNP) is designed for Harnett County residents who qualify for both Medicare and Medicaid, coordinating benefits through the Cape Fear Valley Harnett Health network.
Blue Cross NC offers 8 Medicare plans in Harnett County for 2026, covering HMO, HMO-POS, PPO, Part D, and D-SNP plan types, each with its own premium structure and network configuration. Several plans carry $0 monthly premiums and connect beneficiaries to local providers within the Cape Fear Valley Harnett Health and UNC Health Johnston systems, while the Part D standalone plan provides prescription-only coverage at a fixed monthly cost. Health Plans of NC reviews each plan's formulary, network, and cost-sharing structure side by side so Harnett County residents can select the plan that best fits their providers and prescriptions.
Blue Medicare Medical Only, HMO-POS, $0.00 per month, provides hospital and medical coverage through an HMO-POS network that includes Central Harnett Hospital in Lillington.
Blue Medicare Essential, HMO, $0.00 per month, offers a structured HMO network connecting Harnett County residents to primary care and specialty providers in the Cape Fear Valley Harnett Health system.
Blue Medicare Essential Plus, HMO-POS, $0.00 per month, adds point-of-service flexibility to the Essential HMO structure, allowing some access to providers outside the core Harnett County network.
Blue Medicare Enhanced, HMO-POS, $40.00 per month, delivers an enhanced benefit package through the HMO-POS network, including access to facilities such as Betsy Johnson Hospital in Dunn.
Blue Medicare PPO Enhanced, PPO, $35.00 per month, provides PPO-level flexibility for Harnett County residents who want the option to see providers at regional hospitals such as First Health Moore Regional in Pinehurst.
Blue Medicare Freedom+, HMO-POS, $0.00 per month, offers a $0 premium HMO-POS option with network coverage spanning local Harnett County providers and select out-of-network access points.
Healthy Blue Medicare DSNP, HMO-POS, $0.00 per month, is a Dual Special Needs Plan for Harnett County residents enrolled in both Medicare and Medicaid, coordinating coverage across both programs.
Blue Medicare Rx Enhanced PDP, standalone Part D plan, $163.20 per month, provides prescription drug coverage for beneficiaries on Original Medicare or a Medicare Supplement plan, with access to pharmacies throughout Harnett County.
In 2026, Harnett County residents can choose from Blue Cross NC Medicare Advantage plans ranging from $0.00 per month for plans such as Blue Medicare Essential and Blue Medicare Freedom+ to $40.00 per month for Blue Medicare Enhanced and $35.00 per month for Blue Medicare PPO Enhanced, making several options accessible even on a fixed income. The county's median household income of $69,012 means that some residents may fall within the income thresholds for cost-reduction programs that lower or eliminate Part D and Part B expenses, depending on household size and assets. Health Plans of NC can calculate your total estimated annual cost across all available plans, including premiums, copays, and drug costs, so you can identify the most affordable option for your specific situation in Harnett County.
Part A: $0 premium for most Harnett 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 Harnett County residents in 2026, offering a total of 8 plans that span HMO, HMO-POS, PPO, standalone Part D prescription drug, and Dual Special Needs Plan structures. This range of plan types means Harnett County beneficiaries can choose between tightly coordinated HMO networks, point-of-service flexibility through HMO-POS options, or broader PPO access depending on their provider preferences and health needs. Blue Cross NC's Medicare Advantage network in Harnett County connects directly to local hospitals and health systems, meaning the plan you select will determine whether facilities such as Central Harnett Hospital in Lillington or Betsy Johnson Hospital in Dunn are covered as in-network providers. The carrier network also affects access to local specialists, rehabilitation centers such as Dunn Rehabilitation and Nursing Center, and behavioral health organizations such as Sandhills Center, so reviewing network directories carefully before enrollment is essential. Health Plans of NC agents compare every Blue Cross NC Medicare plan available in Harnett County side by side at no cost, helping you confirm which plan covers your specific doctors and facilities.
Blue Cross NC: offers Medicare Advantage HMO, HMO-POS, PPO, Part D prescription drug, and D-SNP plans, with 8 total plans available to Harnett County residents in 2026.
Harnett County has an uninsured rate of 10.7% and a poverty rate of 14.5%, meaning a meaningful share of the county's Medicare-eligible population may qualify for programs that significantly reduce out-of-pocket healthcare costs. The federal Extra Help program, also known as the Low Income Subsidy, can reduce Part D prescription drug costs to near $0 for qualifying residents based on income and resources. Medicare Savings Programs can cover the Part B premium entirely for eligible Harnett County beneficiaries, and residents who qualify for both Medicare and Medicaid may enroll in the Healthy Blue Medicare DSNP through Blue Cross NC for fully coordinated, low-cost coverage. Health Plans of NC agents check eligibility for all assistance programs at no cost and help Harnett County residents complete applications for every benefit they may qualify for.
Extra Help (Low Income Subsidy) can reduce Part D prescription drug copays and premiums to near $0 for qualifying Harnett County Medicare beneficiaries based on income and asset limits.
Medicare Savings Programs, including the Qualified Medicare Beneficiary program, may cover the Part B premium in full for eligible low-income residents in Harnett County.
The Healthy Blue Medicare DSNP through Blue Cross NC is available to Harnett County residents enrolled in both Medicare and NC Medicaid, offering coordinated benefits at a $0 monthly premium.
NC Medicaid may provide additional coverage for Harnett County residents who meet income and eligibility requirements, working alongside Medicare to reduce overall healthcare costs.
Health Plans of NC agents can screen Harnett County residents for all available financial assistance programs and guide them through the enrollment process at no cost and with no obligation.
Health Plans of NC licensed agents serve Harnett County residents at no cost, comparing every available Medicare plan side by side to help you find the right coverage for your providers, prescriptions, and budget. Call us today at 800-797-0327 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 Harnett 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
Harnett County ZIP Codes include: 27501, 27505, 27506, 27521, 27543, 27546, 27552, 28323, 28326, 28335, 28339, 28356, 28368, and 28390
