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Medicare plans & highlights
Learn more about our offerings and how to enroll.
Blue Medicare Advantage℠ (Medical-Only and Medical with Prescription Drug)
We have Blue Medicare PPO℠ and HMO℠ plan options, so you can choose the right plan for you.
You may have access to more than 60,000 providers2 plus hospital networks, including Atrium, Cone Health, Duke Health, Mission Health, Novant, and UNC Health Care, plus:
- Plan premiums as low as $01
- $0 primary care (PCP) copays3
- $0 prescription copays for some medications4
- Blue FlexCard, a card that contains allowances for over-the-counter medication, vision, and home safety devices
- Dental and vision allowances
- Hearing aid benefit
- Gym membership allowance through FitOn Health5
- Post-discharge meals
- Worldwide emergency care
Blue Medicare Supplement℠
We have a variety of Blue Medicare Supplement℠ plan options, which may help cover some of the costs not covered by Original Medicare. This may include deductibles, coinsurance, and copays.
Blue Medicare Rx℠ (Part D)
Prescription benefits can help to cover your maintenance and as-needed medications.
- Prescription drug list (formulary) with more than 2,800 covered drugs4
- Large network of participating pharmacies
- Mail-order options to help you save time and money
Healthy Blue + Medicare℠ (HMO-POS D-SNP)
If you're eligible for Medicaid and Medicare, Healthy Blue + Medicare may be the option for you.
- Dental and vision allowances
- Over-the-counter allowance
- Gym membership allowance through FitOn Health5
- Hearing aid benefit
- Transportation to provider visits
Compare Medicare plans
With our Plan Finder tool, you can explore and compare our Medicare plans.
- See the highlights and summary of benefits.
- Look up doctors and medications covered under each plan.
- Review premium costs and copay amounts.
- Get a personalized recommendation based on your care needs.
Call us
Representatives are available to answer your coverage questions and enroll you in a plan.
Frequently asked questions
Some people get Medicare Part A and Medicare Part B automatically, and other people have to sign up. In most cases, it depends on whether you're getting Social Security benefits. You can learn more at Medicare.gov.
There are two opportunities for everyone to switch plans: the Annual Enrollment Period (AEP) October 15 to December 7 and the Open Enrollment Period (OEP) January 1 to March 31.
For example, if you enroll or switch plans in the fall but decide you don't like the plan once your coverage begins in January, you can switch back to Original Medicare or another Medicare Advantage plan before March 31.
You can also change plans anytime you qualify for a Special Enrollment Period. Visit Medicare.gov for more information about Special Enrollment Periods.
Medicare Supplement Insurance, sometimes called Medigap, are policies offered by private insurers and are standardized by the federal government. These plans help fill gaps in Original Medicare and may cover some or all of the costs not covered by Original Medicare, such as copayments, coinsurance, and deductibles.
Original Medicare is Medicare Parts A and B. It is administered by the federal government.
Medicare Advantage (Part C) is provided by private insurance companies, like Blue Cross NC. It covers the same types of care as Medicare Parts A and B but lowers your share of the costs when you use doctors and hospitals that are part of the plan's network.
Point of Blue
See the latest Blue Cross NC tips, news, and community updates in our blog.
Corporate Addresses
Mailing Address
Blue Cross and Blue Shield of North Carolina
PO Box 2291
Durham, NC 27702
Street Address (Deliveries)
Blue Cross and Blue Shield of North Carolina
4615 University Drive
Durham, NC 27707
Disclosures:
Source: U.S. News & World Report's "Best Medicare Advantage Plan Insurances Companies of 2022" Accessed 10/2021.
Blue Cross and Blue Shield of North Carolina is an HMO, HMO-POS, PPO and PDP plan with a Medicare contract. Enrollment in Blue Cross and Blue Shield of North Carolina depends on contract renewal.
Blue Cross and Blue Shield of North Carolina Senior Health DBA Blue Cross and Blue Shield of North Carolina is an HMO-POS D-SNP plan with a Medicare contract and a NC State Medicaid Agency Contract (SMAC). Enrollment in Blue Cross and Blue Shield of North Carolina Senior Health depends upon contract renewal.
Blue Medicare Supplement plans offered: Plan A: BMS A, 1/24, Plan G: BMS G, 1/24, Plan HI DED G: BMS HDG, 1/24, Plan K: BMS K, 1/24, Plan N: BMS N, 1/24.
Blue Medicare Supplement is not endorsed by or affiliated with the United States Government or the federal Medicare program.
The federal government requires all Medicare Advantage members to continue paying their Part B premium each month.
Blue Cross and Blue Shield of North Carolina does not discriminate based on race, ethnicity, national origin, religion, gender, age, mental or physical disability, health status, claims experience, medical history, genetic information, evidence of insurability, sexual orientation or source of payment. All Blue Cross and Blue Shield of North Carolina items and services are available to all eligible beneficiaries in the service area.
Links marked with an external site icon indicate that you're leaving BlueCrossNC.com and Blue Cross and Blue Shield of North Carolina's plan information. The site you're going to is either a third-party vendor contracted with Blue Cross NC to provide services or an external website independent of Blue Cross NC.
To view PDF documents, you need to download and install Adobe Acrobat Reader on your computer.
Blue Cross and Blue Shield of North Carolina (Blue Cross NC) offers several decision-support tools to aid you in making decisions around your health care experience. These tools are offered for your convenience and should be used only as reference tools. You should consult your own legal counsel, tax advisor or personal physician as applicable throughout your health care experience.
Out-of-network / non-contracted providers are under no obligation to treat Plan members, except in emergency situations. Please call our customer service number or see your Evidence of Coverage for more information, including the cost-sharing that applies to out-of-network services.
The Blue FlexCard is issued by Stride Bank, N.A., Member FDIC, pursuant to license by Mastercard International. Stride Bank is an independent company offering debit card services and is solely responsible for its products.
Blue Cross NC contracts with independent companies to provide supplemental benefits. Those 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.
Change Healthcare is an independent company providing revenue and payment cycle management on behalf of Blue Cross and Blue Shield of North Carolina.
FitOn Health is an independent company providing health and fitness services on behalf of Blue Cross and Blue Shield of North Carolina.
CareLinx is an independent company providing in-home care solutions on behalf of Blue Cross and Blue Shield of North Carolina.
TruHearing is an independent company providing hearing health and hearing aids on behalf of Blue Cross and Blue Shield of North Carolina.
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Available on select plans. You must continue to pay your Part B premium. Plans and premiums vary based on selected CMS-approved service areas. For more information contact the plan.
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Internal data, May 2023.
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Available on select plans.
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Formulary and pharmacy network may change at any time. You will receive notice when necessary.
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Blue Cross NC contracts with independent companies to provide supplemental benefits. Those 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.
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Rate quote is for a 65-year-old female on Plan G (BMS G, 1/24) with a $36.50 deductible. Your actual rate is based on the deductible you choose, your age, and gender.
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Members of plans sponsored by Blue Cross NC will be able to change to other plans available when they purchased their original plan. Plan changes for a January 1 effective date can occur between October 15 and December 31. Plan changes for a June 1 effective date can occur between May 1 and May 31. Certain limits apply.
Current as of 07/12/2024 | Y0079_12997_M CMS Accepted 12182024 | U36079, 6/24
Blue Cross and Blue Shield of North Carolina does not discriminate on the basis of race, color, national origin, sex, age or disability in its health programs and activities. Learn more about our non-discrimination policy and no-cost services available to you.
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© 2024 Blue Cross and Blue Shield of North Carolina. ®, SM 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.