Skip to main content
Shop Plans Learn more about our coverage options including health, Medicare, dental and vision options for you, your family or your employees. Get Started Individual & Family Medicare Employer Vision Dental International Travel Find Care FAQ Blog Members Stay on top of your health care with helpful member resources. Members Home Medicare Health Dental Vision Find Care Member Knowledge Center Member Forms Medicare Forms Library Make a Payment Federal Employees Student Blue Healthy Blue Providers Access tools, policies and the latest information to help you care for our members. Providers Home Network Participation Networks & Programs Claims, Appeals & Inquiries Prior Authorization Services & CPT codes Prescription Drug Search Forms and Documents Policies, Guidelines & Codes Provider News Provider FAQ Contact Us Employers Learn about our coverage options for small and large employers, and access tools and resources for your group. Employers Home Shop Employer Plans Employer Portal Support Member Forms & Resources Find Care Blog Agents Access the tools you need: rate quotes, applications, forms, the latest industry news, marketing materials and more. Agents Home Agent Services Check Eligibility Find Care Member Forms & Resources Medicare Forms Library
Contact Us
Español
Log In
I am ... Please select A member A provider An employer An agent
Log in to Agent Services
Log in to Employer Services Register for Employer Services I'm registered but need portal access
Username Forgot username? Continue to Log In Register for Blue Connect Need help? Learn how to log in.
Log in to Blue e Register for Blue e Log in to Dental Blue
Shop Plans Our Medicare plan options

Plan premiums starting at $01 - plus a network of more than 80,000 2 doctors and facilities statewide.

 Find a Plan
Medicare Annual Enrollment is here and open until December 7!

Review your plan. Compare your options. Make a confident choice for 2026.

 Find a Plan 2026 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 80,000 providers2 plus hospital networks, including Atrium, Cone Health, Duke Health, Mission Health, Novant, and UNC Health Care, plus:

  • Plan premiums as low as $0 1
  • $0 primary care (PCP) copays 3
  • $0 prescription copays for some medications 3 4
  • Mail order options through Amazon Pharmacy to help save you time and money 3
  • Blue FlexCard, a card that contains allowances for over-the-counter medication, vision, and home safety devices 3
  • Dental and vision allowances 3
  • Hearing aid benefit 3
  • Fitness benefit through SilverSneakers 5
  • Post-discharge meals
  • Worldwide emergency care 3
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.

  • Plan premiums as low as $36.50 6
  • Ability to switch plans at any time if your needs or budget change 7
  • Hearing aid benefits 8
  • Fitness benefit through SilverSneakers 5 8
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 drugs 4
  • Large network of participating pharmacies
  • Mail-order options through Amazon Pharmacy 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.

  • Over-the-counter allowance, including healthy foods and household items 9 10
  • Dental and vision allowances
  • Fitness benefit through SilverSneakers 5
  • Hearing aid benefit
  • Post-discharge meals
  • Transportation to provider visits
  • Mail order options through Amazon Pharmacy to help you save time and money
See Our CMS Star Ratings
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.
Learn about Medicare in person

You can discuss your options and enroll in a plan in person.

You can also register for a webinar or sales event during Medicare's Annual Enrollment Period.
Get a copy of our Medicare Advantage guide

Learn more about Medicare Advantage at your own pace. Download your guide today.
Call us

Representatives are available to answer your coverage questions and enroll you in a plan.
Blue Medicare Advantage HMO & PPO

833-487-4774 (TTY 711)

7 days a week: 8 AM to 8 PM
Blue Medicare Supplement

833-487-5353 (TTY 711)

7 days a week: 8 AM to 8 PM
Blue Medicare Rx (PDP)

833-487-7999 (TTY 711)

7 days a week: 8 AM to 8 PM
Healthy Blue + Medicare

833-487-6680 (TTY 711)

7 days a week: 8 AM to 8 PM
Point of Blue

See the latest Blue Cross NC tips, news, and community updates in our blog.

Choosing a Medicare plan?

Four factors to consider.

Read More

Thriving in retirement with Neighborhood Center support

Learn how BCBNC is supporting Ray and Jennifer during retirement through connection, resources, and community care.

Read More

Medicare parts A, B, C, and D explained

Be prepared to make the best coverage choice for you.

Read More
Visit 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
Policies & Best Practices Fraud & Abuse Report Form Medicare Complaint Form Accessibility About Us Newsroom Blog Member Forms COVID-19 Transparency in Coverage Find Care Rights & Responsibilities Policies & Best Practices Privacy Policy Website User Agreement Fraud & Abuse Technical Information Contact Us Locations Careers

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 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 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.

Medicare Supplement insurance plans are not connected with or endorsed by 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.

SilverSneakers® is a registered trademark of Tivity Health. © 2025 Tivity Health, Inc. All rights reserved. Tivity Health is an independent company providing 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.

  1. 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.

  2. Blue Cross NC Internal Data, May 2025.

  3. Available on select plans.

  4. Formulary and pharmacy network may change at any time. You will receive notice when necessary.

  5. 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.

  6. 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.

  7. 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.

  8. This is a non-insurance offering.

  9. You may qualify for Special Supplemental Benefits for the Chronically Ill (SSBCI) if you are at high risk for hospitalization or adverse health outcomes and require intensive care coordination to manage chronic conditions such as cardiovascular disorders, cancer, stroke, diabetes or chronic lung disorders. Eligibility must be established before the benefit is provided and cannot be guaranteed based solely on your condition. For a full list of covered chronic conditions or to learn more about eligibility requirements, please contact your plan.

  10. Does not roll over from month-to-month. 

Current as of 9/26/2025 | Y0079_13526_M CMS Accepted 09302025 | U36079, 7/25

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.

Information in other languages: Español   中文   Tiếng Việt   한국어   Français   العَرَبِيَّة   Hmoob   ру́сский   Tagalog   ગુજરાતી   ភាសាខ្មែរ   Deutsch   हिन्दी   ລາວ   日本語

© 2025 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.