Live Worry-Free. Find the Right Medicare Plan in NC. in Orange County
North Carolina
in North Carolina
Orange County, NC residents have access to 8 Medicare plans for 2026 through Blue Cross NC, and Health Plans of NC helps locals compare every available option at no cost, including plans that cover care at UNC Hospitals in Chapel Hill and UNC Hillsborough Hospital.
Orange County, NC has a total population of 147,292, and approximately 23,000 residents, representing 15.7% of the county, are eligible for Medicare coverage in 2026. Major health systems including UNC Hospitals, UNC Medical Center, and Duke University Hospital accept Medicare and serve Orange County beneficiaries across a wide range of specialties and primary care services. Coverage options in the county span Medicare Advantage HMO and HMO-POS plans, a Medicare Advantage PPO, a Dual Special Needs Plan, and a standalone Part D prescription drug plan, giving residents meaningful choices to match their healthcare needs.
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 are available in Orange County and provide coordinated care through networks that include UNC Medical Center and affiliated primary care practices.
Medicare Advantage HMO-POS plans offer Orange County residents the flexibility to seek care both in-network and out-of-network at a higher cost, useful for those who split care between UNC and Duke health systems.
Medicare Advantage PPO plans in Orange County allow beneficiaries to visit any Medicare-accepting provider, including specialists at Duke University Hospital in nearby Durham, without a referral.
Medicare Supplement (Medigap) plans pair with Original Medicare and allow Orange County residents to use any provider nationwide that accepts Medicare, including UNC Hospitals and Duke University Hospital.
Part D Prescription Drug Plans provide standalone drug coverage for Orange County residents who remain on Original Medicare or a Medicare Supplement plan without built-in drug benefits.
Dual Special Needs Plans (D-SNP) are available for Orange County residents who qualify for both Medicare and Medicaid, offering coordinated care designed for complex health needs.
For 2026, Blue Cross NC offers eight Medicare plans to Orange County residents, ranging from $0 premium Medicare Advantage options to a standalone Part D prescription drug plan, with each plan connecting beneficiaries to specific provider networks that include UNC Hospitals, UNC Medical Center, and affiliated clinics. HMO-POS and PPO structures give beneficiaries differing levels of flexibility when accessing specialists at facilities such as the UNC Geriatric Specialty Clinic, UNC Family Medicine, and Duke Primary Care Hillsborough. Beneficiaries should confirm that their preferred providers, including UNC Hillsborough Hospital and the Health Center of Hillsborough at 401 Meadowlands Dr, are in-network before selecting a plan.
Blue Medicare Medical Only, HMO-POS, $0.00 per month, provides medical-only Medicare Advantage coverage with access to UNC Health network providers in Orange County.
Blue Medicare Essential, HMO, $0.00 per month, offers fully integrated HMO coverage with coordinated care through UNC Medical Center and affiliated primary care clinics.
Blue Medicare Essential Plus, HMO-POS, $0.00 per month, adds point-of-service flexibility to the Essential HMO structure, allowing some out-of-network access for Orange County beneficiaries.
Blue Medicare Enhanced, HMO-POS, $40.00 per month, provides an enhanced benefit package with HMO-POS flexibility and broader access to specialty care at UNC Hospitals.
Blue Medicare PPO Enhanced, PPO, $53.00 per month, gives Orange County residents the widest provider choice, including the ability to visit Duke University Hospital and Duke Regional Hospital without a referral.
Blue Medicare Freedom+, HMO-POS, $0.00 per month, combines a $0 premium with point-of-service flexibility for Orange County residents who occasionally need care outside their primary network.
Healthy Blue Medicare DSNP, HMO-POS, $0.00 per month, is a Dual Special Needs Plan for Orange County residents eligible for both Medicare and Medicaid, offering coordinated care through the Alliance Health system.
Blue Medicare Rx Enhanced PDP, standalone Part D plan, $163.20 per month, provides prescription drug coverage for Orange County residents on Original Medicare or a Medicare Supplement plan, with access to national chain and local independent pharmacies.
Orange County Medicare Advantage plan premiums for 2026 range from $0.00 per month for plans such as Blue Medicare Essential and Blue Medicare Freedom+ up to $53.00 per month for the Blue Medicare PPO Enhanced, making several plan options accessible even for those on a fixed income. The standalone Blue Medicare Rx Enhanced PDP carries a monthly premium of $163.20 for beneficiaries who need drug coverage outside of a Medicare Advantage plan. Orange County's median household income of $88,553 means many residents have the budget to consider Medicare Supplement plans with higher monthly premiums, though zero-premium Medicare Advantage options remain an attractive choice for those prioritizing lower monthly costs.
Part A: $0 premium for most Orange 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 offering plans in Orange County for 2026, with a total of 8 plans available to eligible residents. Those plans span multiple product types, including Medicare Advantage HMO, Medicare Advantage HMO-POS, Medicare Advantage PPO, a Dual Special Needs Plan, and a standalone Part D prescription drug plan. Blue Cross NC Medicare Advantage networks in Orange County connect beneficiaries to key local health systems including UNC Hospitals and UNC Medical Center, as well as nearby facilities such as Duke Regional Hospital in Durham and the Health Center of Hillsborough. The plan type a beneficiary selects directly determines which hospitals, primary care practices, and specialists are available at in-network cost-sharing levels, including facilities such as UNC Hillsborough Hospital, the UNC Geriatric Specialty Clinic, and Duke Primary Care Hillsborough. Health Plans of NC compares every available Blue Cross NC Medicare plan side-by-side at no cost, helping Orange County residents identify the right network and benefit structure for their individual situation.
Blue Cross NC, offers Medicare Advantage HMO, HMO-POS, PPO, D-SNP, and Part D PDP plan types, with 8 total plans available in Orange County for 2026.
Orange 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 plan costs to near $0 for eligible beneficiaries. Medicare Savings Programs are available to help cover Part B premiums and other cost-sharing for Orange County residents who meet income and asset thresholds set by the state of North Carolina. Orange County's uninsured rate of 6.6% and poverty rate of 12.4% indicate that a meaningful share of residents may benefit from these programs, including the Healthy Blue Medicare DSNP for those who qualify for both Medicare and Medicaid. Health Plans of NC agents check eligibility for all financial assistance programs at no cost, helping Orange County residents access every savings opportunity before they enroll.
Extra Help (Low Income Subsidy) can reduce Part D prescription drug plan premiums and copays to near $0 for qualifying Orange County residents.
Medicare Savings Programs through North Carolina Medicaid can cover the Part B premium and reduce cost-sharing for Orange County beneficiaries who meet eligibility requirements.
The Healthy Blue Medicare DSNP is available for Orange County residents who qualify for both Medicare and Medicaid, providing coordinated benefits through a single plan at $0 premium.
NC Medicaid may provide additional coverage for low-income Orange County residents who do not yet qualify for Medicare or who need wrap-around benefits alongside their Medicare plan.
Health Plans of NC licensed agents help Orange County residents apply for Extra Help, Medicare Savings Programs, and D-SNP enrollment at no cost and with no obligation.
Health Plans of NC licensed agents serve Orange County residents at no cost, comparing all 8 available Medicare plans side-by-side and guiding beneficiaries through enrollment, plan changes, and financial assistance applications. Call 800-797-0327 today to speak with a local expert who can help you find the right coverage at UNC Hospitals, UNC Medical Center, or any other Medicare-accepting provider in Orange County.
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 Orange 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
Orange County ZIP Codes include: 27231, 27243, 27278, 27510, 27514, 27515, 27516, 27517, and 27599
