There are 282,315 beneficiaries enrolled in Medicare plans in Durham, North Carolina. 169,793 are enrolled in Fee-for-Service Medicare, and 112,522 are enrolled in Medicare Advantage. Keep reading to learn more about the Medicare plans available to Durham, North Carolina residents.
Medicare plans in Durham, North Carolina
If you’re living in Durham, you can take advantage of Medicare plans in North Carolina available to you. These plans can help you cover medical costs to give you more financial freedom. Supplemental Medicare plans can help you cover even more costs that Medicare alone won’t.
We’re covering the costs of the various plans available to you, but keep in mind: The quotes below are based on a female that’s 70 years old.
Medicare Advantage plans
Most Durham, North Carolina enrollees are 65-year-old females, coming in at 55.08% versus 44.92% of males. Medicare Advantage plans in Durham and North Carolina have a 39.86% participation rate. There are 35 Medicare Advantage plans available in Durham.
The average Medicare Advantage plan in North Carolina has a three or four-star rating out of five. All of them have a $0 premium.
Cigna (HMO) is the most affordable option, with a maximum out-of-pocket (MOOP) of $4,600. This plan has a four out of five-star rating, making it an excellent option to choose. It’s a health maintenance organization (HMO)
The two next most affordable option is Blue Cross Blue Shield (BCBS) of North Carolina (HMO), with a MOOP of $5,900. This plan has a four out of five-star rating as well.
The next most affordable option is Wellcare (HMO), with a MOOP of $6,000. Wellcare’s Medicare Advantage plan has a three out of five-star rating.
The average cost of Medicare Advantage plans in Durham, North Carolina
| PLAN | PREMIUM | MOOP | Plan Type | Star Rating |
| BCBS of North Carolina | $0 | $5,900 | HMO | 4 |
| Humana | $0 | $7,550 | LOCAL PPO | 4 |
| Wellcare | $0 | $6,000 | HMO | 3 |
| Cigna | $0 | $4,600 | HMO | 4 |
| UnitedHealthcare | $0 | $6,700 | LOCAL PPO | 3 |
If you’re having trouble picking the best Medicare Advantage plan for you, check out the top 5 Medicare Advantage plans.
Medicare Supplement plans
North Carolina Medigap is meant to provide you with supplemental coverage. All Medigap plans are standardized federally, so the benefits don’t change from state to state. However, the monthly premiums do differ by state.
In Durham, North Carolina, the average Medigap plans vary greatly. The most affordable option is Plan HDG, with the lowest premium of $34.58 and the highest premium of $74.96.
On the opposite end of the spectrum, the most expensive plan available is Plan F, with the lowest premium being $119.62 and the highest premium being $370.58.
Right in the middle, we have Plan M, with the lowest premium of $77.82 and the highest premium of $289.66.
The average cost of Medicare Supplement plans in Durham, North Carolina
| LETTER PLAN | LOWEST PREMIUM | HIGHEST PREMIUM |
| PLAN A | $96.54 | $417.35 |
| PLAN B | $119.62 | $329.92 |
| PLAN C | $123.52 | $360.42 |
| PLAN D | $115.83 | $321.67 |
| PLAN F | $119.62 | $370.58 |
| PLAN HDF | $36.02 | $78.31 |
| PLAN G | $97.52 | $322.05 |
| PLAN HDG | $34.58 | $74.96 |
| PLAN K | $49.58 | $120.00 |
| PLAN L | $62.50 | $246.01 |
| PLAN M | $77.82 | $289.66 |
| PLAN N | $79.60 | $304.57 |
If you’re struggling to choose the right Medigap plan, check out the top three Medigap plans.
Medicare Part D prescription drug plans
Medigap plans don’t cover prescriptions; only some Medicare Advantage plans do. But medical prescriptions can grow costly, especially if you have pricey medications each month. Part D plans in North Carolina can help you financially by covering your drugs.
In Durham, North Carolina, every Part D plan available has a deductible of $480. Most of the plans are rated three stars, but Humana has a four-star rating. Humana is on the pricier side, with a $22.70 premium.
On the cheaper end of the spectrum, Aetna has a Part D plan that has a $7.00 premium. If you want to cut your healthcare costs, Aetna may be the best Part D plan for you to enroll in.
Clear Spring is an average Medicare Part D plan available in Durham, North Carolina. This is a popular option, with an average premium of $18.10.
The average cost of Medicare Part D plans in Durham, North Carolina
| PLAN | PREMIUM | DEDUCTIBLE | STAR RATING |
| Aetna | $7.00 | $480 | 3 |
| Wellcare | $12.90 | $480 | 3 |
| Clear Spring | $18.10 | $480 | 2 |
| Humana | $22.70 | $480 | 4 |
| Elixir | $29.00 | $480 | 3 |
Learn more about Medicare Gap coverage if you need help covering your medical prescriptions.
Special Needs plans
Special Needs Plans (SNPs) are a subset of Medicare Advantage plans. An SNP can provide additional coverage for beneficiaries with chronic or disabling conditions. However, these types of plans are only available in certain areas.
For dual-eligible beneficiaries, the most affordable SNP is with Wellcare. It has a premium of $0 and a MOOP of $3,450. This plan is a health maintenance organization (HMO).
If you’d rather choose a local preferred provider organization (PPO), Humana has an affordable option with a $0 premium and a $3,450 MOOP. It has the same cost as Wellcare but is an entirely different plan type to fit your needs.
The rest of the options (Aetna, UnitedHealthcare, and BCBS of North Carolina) all have a premium of $0 and a MOOP of $7,550. They’re all HMOs except UnitedHealthcare, which is a regional PPO.
The average cost of Medicare Special Needs plans in Durham, North Carolina
| PLAN | PREMIUM | MOOP | Plan Type | Eligibility |
| Wellcare | $0 | $3,450 | HMO | Dual |
| Aetna | $0 | $7,550 | HMO | Dual |
| Humana | $0 | $3,450 | LOCAL PPO | Dual |
| UnitedHealthcare | $0 | $7,550 | REGIONAL PPO | Dual |
| BCBS of North Carolina | $0 | $7,550 | HMO | Dual |
How to sign up for Medicare plans in Durham, North Carolina
No two beneficiaries have the same insurance needs. Finding the right supplemental Medicare plan to fit your unique needs can be extremely time-consuming and challenging. But we can help!
We work with every Medicare carrier. We will help you compare the top plans in Durham, North Carolina, to find the best one for you. Give us a call, or fill out our quotes form to learn more.
