Live Worry-Free. Find the Right Medicare Plan in NC. in Richmond County
North Carolina
in North Carolina
Health Plans of NC helps Richmond County, NC residents find the right Medicare coverage from among 8 plans available for 2026, including options that connect to FirstHealth Richmond Memorial Hospital in Rockingham and regional referral centers serving the area.
Richmond County, North Carolina, has a population of approximately 42,818 residents, with around 8,000 people representing 17.9% of the county eligible for Medicare. Coverage options for 2026 span Medicare Advantage, Part D prescription drug plans, and a Dual Special Needs Plan, all offered through Blue Cross NC and designed to work with local providers including FirstHealth Richmond Memorial Hospital in Rockingham and Scotland Memorial Hospital in nearby Laurinburg. Residents who prefer broader provider flexibility may also consider Medicare Supplement plans, which allow access to any Medicare-accepting provider nationwide, including regional referral hospitals such as First Health Moore Regional Hospital in Pinehurst and Cape Fear Valley Medical Center in Fayetteville.
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 Richmond County and typically require members to use a defined network that includes FirstHealth Richmond Memorial Hospital and affiliated providers.
Medicare Advantage HMO-POS plans offer Richmond County residents the option to receive care from out-of-network providers in certain circumstances, adding flexibility beyond a standard HMO.
Medicare Advantage PPO plans in Richmond County allow beneficiaries to see both in-network and out-of-network providers, including specialists at regional referral hospitals, usually at a higher cost-share.
Medicare Supplement (Medigap) plans are available to Richmond County residents who want predictable out-of-pocket costs and the freedom to use any Medicare-accepting provider nationwide.
Part D Prescription Drug Plans provide standalone drug coverage for Richmond County residents enrolled in Original Medicare or a Medicare Supplement plan.
Dual Special Needs Plans (D-SNP) are available in Richmond County for residents who qualify for both Medicare and Medicaid, coordinating benefits across both programs.
For 2026, Blue Cross NC offers eight Medicare plans to eligible residents of Richmond County, ranging from $0-premium Medicare Advantage options to a standalone Part D prescription drug plan, each connecting beneficiaries to a network that includes FirstHealth Richmond Memorial Hospital and other regional providers. Plan types include HMO, HMO-POS, and PPO structures, giving Richmond County seniors meaningful choices in how they access primary care, specialist referrals, and hospital services. The Healthy Blue Medicare D-SNP is also available at $0 per month for residents who qualify for both Medicare and Medicaid, coordinating benefits across both programs within the Blue Cross NC network.
Blue Medicare Medical Only, HMO-POS, $0.00 per month, provides access to the Blue Cross NC network including FirstHealth Richmond Memorial Hospital in Rockingham.
Blue Medicare Essential, HMO, $0.00 per month, connects Richmond County members to a defined network of primary care physicians and in-network specialists.
Blue Medicare Essential Plus, HMO-POS, $0.00 per month, offers the flexibility of point-of-service access while maintaining a $0 monthly premium for Richmond County enrollees.
Blue Medicare Enhanced, HMO-POS, $47.00 per month, provides enhanced benefits within the Blue Cross NC network and may include additional dental, vision, or hearing coverage.
Blue Medicare PPO Enhanced, PPO, $53.00 per month, allows Richmond County beneficiaries to see out-of-network providers including specialists at Cape Fear Valley Medical Center in Fayetteville.
Blue Medicare Freedom+, HMO-POS, $0.00 per month, gives Richmond County seniors point-of-service flexibility with a $0 premium and access to the Blue Cross NC local provider network.
Healthy Blue Medicare D-SNP, HMO-POS, $0.00 per month, is designed for Richmond County residents eligible for both Medicare and Medicaid, coordinating coverage through Blue Cross NC.
Blue Medicare Rx Enhanced PDP, standalone Part D plan, $163.20 per month, provides prescription drug coverage for Richmond County residents enrolled in Original Medicare or a Medicare Supplement plan.
In Richmond County, Medicare Advantage plan premiums for 2026 range from $0.00 per month for plans like Blue Medicare Essential and Blue Medicare Freedom+ to $53.00 per month for the Blue Medicare PPO Enhanced, allowing seniors to choose a plan that fits different budget levels before factoring in any cost-sharing for services. With a median household income of $43,626 in Richmond County, even modest monthly premium differences can meaningfully affect financial stability for residents on fixed incomes, making zero-premium plans particularly valuable for those who qualify. Cost-reduction programs such as Extra Help and the Medicare Savings Program may further lower out-of-pocket expenses for Richmond County residents whose income and assets fall within federal eligibility thresholds, and Health Plans of NC can help determine which programs apply.
Part A: $0 premium for most Richmond 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 to eligible residents of Richmond County for 2026, with a total of 8 plans available covering HMO, HMO-POS, PPO, standalone Part D prescription drug, and Dual Special Needs Plan structures. The Blue Cross NC network in Richmond County connects beneficiaries to key local providers, most notably FirstHealth Richmond Memorial Hospital in Rockingham, as well as Scotland Memorial Hospital in Laurinburg for residents near the county border. Plan type and network tier directly affect whether Richmond County beneficiaries can access regional referral centers such as First Health Moore Regional Hospital in Pinehurst and Cape Fear Valley Medical Center in Fayetteville without incurring additional out-of-network costs. Choosing between an HMO, HMO-POS, and PPO plan also determines how Richmond County residents coordinate specialist referrals and whether they need a primary care physician to manage their care within the Blue Cross NC network. Health Plans of NC compares every available plan side-by-side at no cost to Richmond County residents, ensuring that each senior can match their provider preferences and health needs to the right Blue Cross NC plan.
Blue Cross NC, offering Medicare Advantage HMO, HMO-POS, and PPO plans, a standalone Part D prescription drug plan, and a D-SNP, with 8 total plans available in Richmond County for 2026.
Richmond County has a poverty rate of 25.2% and an uninsured rate of 9.5%, meaning a substantial share of residents may qualify for programs that significantly reduce Medicare costs. Extra Help, also known as the Low Income Subsidy, can lower Part D prescription drug costs to near $0 for qualifying Richmond County residents based on income and asset thresholds set by the federal government. The Medicare Savings Program can help cover Part B premiums and other cost-sharing for eligible low-income residents, and the Healthy Blue Medicare D-SNP is specifically designed for Richmond County seniors who qualify for both Medicare and Medicaid. Health Plans of NC agents check eligibility for all available assistance programs at no cost to Richmond County residents and assist with the application process.
Extra Help (Low Income Subsidy) can reduce Part D prescription drug plan costs to near $0 for qualifying Richmond County residents who meet federal income and asset limits.
The Medicare Savings Program may cover Part B premiums and reduce cost-sharing for low-income Richmond County residents who apply through the NC Department of Health and Human Services.
The Healthy Blue Medicare D-SNP at $0.00 per month is available for Richmond County residents who are enrolled in or eligible for both Medicare and NC Medicaid, coordinating benefits across both programs.
NC Medicaid may provide additional coverage and benefits for low-income Richmond County residents who do not yet qualify for Medicare, bridging gaps until Medicare eligibility begins.
Health Plans of NC licensed agents assist Richmond County residents at no cost to determine eligibility for Extra Help, Medicare Savings Programs, and D-SNP enrollment, and guide them through the application process.
Health Plans of NC licensed agents serve Richmond County residents at no cost, comparing every available Medicare Advantage, Medicare Supplement, and Part D plan side-by-side to help you find the right coverage and assist with enrollment or plan changes. Call 800-797-0327 today to speak with an agent who knows the Richmond County market and can walk you through all your options with no pressure.
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 Richmond 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
Richmond County ZIP Codes include: 28330, 28338, 28345, 28347, 28363, 28367, 28379, and 28380
