Live Worry-Free. Find the Right Medicare Plan in NC. in Pender County
North Carolina
in North Carolina
Health Plans of NC helps Pender County, NC residents compare all available 2026 Medicare plans at no cost, connecting beneficiaries with coverage that fits their providers, prescriptions, and budget within the Novant Health Pender Medical Center service area.
Pender County, NC has approximately 11,000 Medicare-eligible residents, representing 18.0% of the county's total population of 63,475. Local healthcare infrastructure includes Pender Memorial Hospital in Burgaw, Novant Health Pender Medical Center, and a broad network of regional facilities across southeastern North Carolina that accept Medicare. Pender County beneficiaries can choose from Medicare Advantage, Medicare Supplement, standalone Part D prescription drug plans, and Dual Special Needs Plans depending on their health needs and preferred providers.
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 Pender County and include facilities like Pender Memorial Hospital in Burgaw within their covered provider networks.
Medicare Advantage HMO-POS plans offer Pender County residents the option to seek care outside the primary network, including access to Novant Health Pender Medical Center and affiliated regional providers.
Medicare Advantage PPO plans are available in Pender County, providing flexibility to visit both in-network and out-of-network providers such as New Hanover Regional Medical Center in Wilmington at varying cost-sharing levels.
Medicare Supplement (Medigap) plans allow Pender County residents to use any Medicare-accepting provider nationwide, including Onslow Memorial Hospital in Jacksonville and Novant Health Brunswick Medical Center in Bolivia.
Part D Prescription Drug Plans are available as standalone coverage for Pender County residents enrolled in Original Medicare who need help covering medication costs at local pharmacies.
Dual Special Needs Plans (D-SNP) are available for Pender County residents who qualify for both Medicare and Medicaid, coordinating benefits across both programs with access to local providers.
Blue Cross NC offers eight Medicare plans in Pender County for 2026, spanning HMO, HMO-POS, PPO, PDP, and D-SNP plan types with monthly premiums ranging from $0 to $163.20. These plans include network connections to key regional providers such as Pender Memorial Hospital in Burgaw, ECU Health Duplin Hospital in Kenansville, and Novant Health New Hanover in Wilmington. Pender County beneficiaries should verify that their preferred providers and specialists are included in a plan's network before completing enrollment.
Blue Medicare Medical Only, HMO-POS, $0.00 per month, provides hospital and medical coverage with access to Pender Memorial Hospital and affiliated southeastern NC providers within the HMO-POS network.
Blue Medicare Essential, HMO, $0.00 per month, bundles Part A and Part B benefits into a single plan with an HMO network that includes local facilities serving Pender County residents.
Blue Medicare Essential Plus, HMO-POS, $0.00 per month, expands on essential HMO coverage with point-of-service flexibility, allowing beneficiaries to access providers like Novant Health Brunswick Medical Center in Bolivia.
Blue Medicare Enhanced, HMO-POS, $47.00 per month, offers enhanced benefits through an HMO-POS structure with network access to Pender Memorial Hospital and regional specialty centers in southeastern North Carolina.
Blue Medicare PPO Enhanced, PPO, $53.00 per month, gives Pender County residents the broadest network flexibility among Advantage plans, including out-of-network access to facilities like New Hanover Regional Medical Center in Wilmington.
Blue Medicare Freedom+, HMO-POS, $0.00 per month, combines $0 premium affordability with point-of-service network flexibility for Pender County beneficiaries who want low-cost access to area providers.
Healthy Blue Medicare DSNP, HMO-POS, $0.00 per month, is a Dual Special Needs Plan coordinating Medicare and Medicaid benefits for eligible Pender County residents, with access to local and regional covered providers.
Blue Medicare Rx Enhanced PDP, standalone Part D plan, $163.20 per month, provides prescription drug coverage for Pender County residents enrolled in Original Medicare or a Medicare Advantage plan without drug benefits.
In 2026, Pender County residents can choose from Medicare Advantage plans priced as low as $0.00 per month for Blue Medicare Medical Only, Blue Medicare Essential, Blue Medicare Essential Plus, Blue Medicare Freedom+, and Healthy Blue Medicare DSNP, while Blue Medicare Enhanced runs $47.00 per month, Blue Medicare PPO Enhanced runs $53.00 per month, and the standalone Blue Medicare Rx Enhanced PDP is $163.20 per month. Pender County's median household income of $76,838 means many residents may not automatically qualify for low-income assistance programs, making it important to compare total out-of-pocket costs including copays and deductibles alongside monthly premiums. Health Plans of NC can help Pender County residents calculate the full annual cost of each available plan to identify the most cost-effective option for their specific situation.
Part A: $0 premium for most Pender 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 Pender County residents in 2026, offering a total of 8 Medicare plans across multiple plan types. Those plan types include HMO, HMO-POS, PPO, standalone Part D Prescription Drug Plans, and a Dual Special Needs Plan, giving Pender County beneficiaries multiple structures to evaluate based on their healthcare usage and financial situation. Blue Cross NC carrier networks in Pender County connect beneficiaries to key local and regional providers including Pender Memorial Hospital in Burgaw, Novant Health New Hanover in Wilmington, New Hanover Regional Medical Center, ECU Health Duplin Hospital in Kenansville, and Dosher Memorial Hospital in Southport. The plan type a beneficiary selects directly affects their ability to access local specialists, urgent care options like Sandy Shores Medical Center in Surf City, and surgical centers like Carolinas Center for Surgery in Jacksonville without incurring excess out-of-network costs. Health Plans of NC compares every available Blue Cross NC Medicare plan in Pender County side by side at no cost, helping residents confirm that their preferred providers are covered before they enroll.
Blue Cross NC, offers Medicare Advantage HMO, HMO-POS, PPO, Part D PDP, and D-SNP plans, 8 total plans available in Pender County for 2026.
Pender County residents with limited income and assets may qualify for Extra Help, also known as the Low Income Subsidy, which can reduce Part D prescription drug costs to near $0 for those who meet federal eligibility thresholds. Medicare Savings Programs may cover the Part B premium and other cost-sharing amounts for qualifying Pender County beneficiaries, and residents who qualify for both Medicare and Medicaid may enroll in the Healthy Blue Medicare DSNP plan to coordinate benefits across both programs. With an uninsured rate of 9.7% and a poverty rate of 10.7% in Pender County, a meaningful share of residents may be eligible for one or more of these assistance programs. Health Plans of NC agents can check eligibility for all available assistance programs at no cost to the beneficiary and help with the application process.
Extra Help and Low Income Subsidy can reduce Part D prescription drug costs significantly for Pender County residents who meet income and asset requirements.
Medicare Savings Programs may cover Part B premiums and cost-sharing amounts for qualifying lower-income Pender County Medicare beneficiaries.
The Healthy Blue Medicare DSNP is available for Pender County residents who are enrolled in both Medicare and Medicaid, coordinating coverage through a single $0 premium plan.
NC Medicaid may provide additional coverage and benefits for lower-income Pender County residents who meet state eligibility requirements alongside their Medicare coverage.
Health Plans of NC agents can screen Pender County residents for all available financial assistance programs at no cost and submit applications on their behalf.
Health Plans of NC licensed agents serve Pender County residents at no cost, comparing every available Medicare Advantage, Medicare Supplement, and Part D plan side by side to find the right fit for your providers, medications, and budget. Call 800-797-0327 to speak with a licensed agent who can help you enroll in a new plan or review your current coverage during any eligible enrollment period.
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 Pender 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 |
|---|---|---|
Brynn Marr Hospital | 192 Village Dr, Jacksonville, NC 28546 | (910) 577-1400 |
Cape Fear Vly Bladen County | 501 S Poplar St, Elizabethtown, NC 28337 | (910) 862-5100 |
Columbus Regional Healthcare | 500 Jefferson St, Whiteville, NC 28472 | (910) 642-8011 |
Dosher Memorial Hospital | 924 N Howe St, Southport, NC 28461 | (910) 457-3800 |
ECU Health Duplin Hospital | 401 N Main St, Kenansville, NC 28349 | (910) 296-0941 |
Naval Medical Ctr Camp Lejeune | 100 Brewster Blvd, Camp Lejeune, NC 28547 | (910) 450-4357 |
New Hanover Regional Med Ctr | 2131 S 17th St, Wilmington, NC 28401 | (910) 667-7000 |
New Hanover Regl Med Ctr-Rehab | 2131 S 17th St, Wilmington, NC 28401 | (910) 667-7835 |
NHRMC Betty H Cameron Women's | 2131 S 17th St, Wilmington, NC 28401 | (910) 667-7360 |
Novant Health Brunswick Med | 240 Hospital Dr NE, Bolivia, NC 28422 | (910) 721-1000 |
Novant Health New Hanover | 5301 Wrightsville Ave, Wilmington, NC 28403 | (910) 667-8100 |
Onslow Memorial Hospital | 317 Western Blvd, Jacksonville, NC 28546 | (910) 577-2345 |
Pender Memorial Hospital | 507 E Fremont St, Burgaw, NC 28425 | (910) 259-5451 |
Sampson Regional Medical Ctr | 607 Beaman St, Clinton, NC 28328 | (910) 592-8511 |
Southeastern Regional Med Ctr | 300 W 27th St, Lumberton, NC 28358 | (910) 671-5000 |
UNC Health Southeastern | 4300 Fayetteville Rd, Lumberton, NC 28358 | (910) 608-3078 |
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
Pender County ZIP Codes include: 28421, 28425, 28435, 28443, 28457, and 28478
