Compare & Enroll — Part C & Part D

Compare & Enroll in Medicare Plans in 28369, NC

With 57 Medicare Advantage options from 8 insurers, 28369, NC has plan availability roughly in line with the national average, suggesting a highly competitive market where insurers often lower premiums to attract members. Approximately 93% of local MA plans charge $0 beyond the standard Part B premium, reflecting strong price competition. With 4 hospitals within 25.0 miles, verifying your preferred hospital is in-network is especially important here. We've organized the CMS data below to help you cross-reference plan costs, quality ratings, and local provider access. Compare plans below, and when you're ready, enroll directly at Medicare.gov.

📊 Direct from CMS 🚫 No agents or commissions ✓ Just the data, no sales pitch
Compare Plans at Medicare.gov →

Data freshness: CMS data as of February 2026 • ACS data as of 2023 • CDC PLACES data as of 2025 • Reviewed & approved on 2026-02-16 • Page last updated May 2026
Reviewed by: Wes Ward, Founder & Data Lead • View our methodology

Important: We are not affiliated with Medicare or any government agency. This site displays publicly available CMS data to help you compare plans. We do not sell insurance or represent any insurance company. For official enrollment and complete plan information, visit Medicare.gov or call 1-800-MEDICARE (1-800-633-4227).

Important: Plan availability, benefits, and CMS Star Ratings shown here come directly from CMS public files. Plan details can change—always verify with the insurer and at Medicare.gov.
Part C Plans
57
Part D Plans
12
Top MA Star
5.0
Top Drug Star
3.5
Happy senior couple reviewing Medicare plan options together

Medicare Eligibility in 28369, NC

Approximately 166 residents (17.8% of the population) in 28369, NC are 65 or older and likely Medicare-eligible. Whether you're approaching 65, already enrolled, or a caregiver comparing options, the plan data below is organized to help you evaluate Part C (Medicare Advantage) and Part D (prescription drug) coverage side by side.

The median household income in 28369, NC is $48,030 (36.1% below the National Average), which may affect eligibility for Extra Help with Part D drug costs.

Part C: Medicare Advantage Plans

Medicare Advantage (Part C) replaces Original Medicare through private insurers who bundle hospital, medical, and often drug coverage into a single plan. 28369, NC's 57 Medicare Advantage plans are a mix leaning toward HMO networks (29 HMO, 28 PPO). 53 plans offer $0 monthly premiums. The average local star rating is 3.9 out of 5, with the top plan earning 5.0 ★.

Top Medicare Advantage Plans in 28369, NC

We organize CMS plan data into separate leaderboards so you can compare based on what matters most to you. Part C premiums in 28369, NC range from $0 to $102/month. Among rated plans, 31 plans rated 4+ stars, including 1 with perfect 5-star ratings.

Highest CMS Star Ratings

Star Ratings are assigned by CMS based on quality measures including customer service, preventive care, and managing chronic conditions.

Plan NameInsurerStar RatingPremiumType
Longevity Health Plan (HMO I-SNP)Longevity Health Plan5.0 ★$0.00/moHMO I-SNPEnroll
Blue Medicare Essential Plus (HMO-POS)Blue Cross And Blue Shield Of North Carolina4.5 ★$0.00/moHMO-POSEnroll
Aetna Medicare Enhanced (PPO)Aetna Medicare4.5 ★$0.00/moPPOEnroll
Aetna Medicare Signature Giveback (PPO)Aetna Medicare4.5 ★$0.00/moPPOEnroll
Blue Medicare Enhanced (HMO-POS)Blue Cross And Blue Shield Of North Carolina4.5 ★$36.60/moHMO-POSEnroll

Lowest Monthly Premium

Lower premiums can save money, but check total costs including deductibles, copays, and MOOP.

Plan NameInsurerMonthly PremiumMOOPStar Rating
Uhc Dual Complete Nc-S3 (HMO-POS D-SNP)Unitedhealthcare$0.00/mo$9,2504.0 ★
Blue Medicare Essential Plus (HMO-POS)Blue Cross And Blue Shield Of North Carolina$0.00/mo$7,4504.5 ★
Uhc Dual Complete Nc-D001 (HMO-POS D-SNP)Unitedhealthcare$0.00/mo$9,2504.0 ★
Uhc Dual Complete Nc-S001 (PPO D-SNP)Unitedhealthcare$0.00/mo$9,2504.0 ★
Aetna Medicare Enhanced (PPO)Aetna Medicare$0.00/mo$5,9004.5 ★

Lowest Maximum Out-of-Pocket (MOOP)

MOOP caps your financial risk. Once you hit this limit, the plan covers 100% of covered services for the rest of the year.

Plan NameInsurerMOOP (In-Network)PremiumStar Rating
Aarp Medicare Advantage Access From Uhc Nc-23 (PPO)Unitedhealthcare$3,000$102.00/mo4.5 ★
Blue Medicare Medical Only (HMO-POS)Blue Cross And Blue Shield Of North Carolina$3,900$0.00/mo4.5 ★
Humana Gold Plus H1036-335 (HMO-POS)Humana$3,950$0.00/mo4.0 ★
Troy Medicare (HMO)Troy Medicare$3,950$0.00/mo3.0 ★
Liberty Medicare Advantage (HMO C-SNP)Liberty Medicare Advantage$4,000$0.00/moN/A

Plan Type Mix in 28369, NC

HMO plans require referrals and in-network care. PPO plans offer more flexibility. SNP (Special Needs Plans) serve specific populations. MAPD plans include drug coverage.

Plan TypeCountPercentageDescription
PPO2035.1%No referrals; in and out-of-network
HMO-POS814.0%HMO with some out-of-network options
HMO-POS D-SNP712.3%Medicare Advantage plan
HMO D-SNP610.5%Medicare Advantage plan
PPO D-SNP58.8%Medicare Advantage plan
Regional PPO35.3%Medicare Advantage plan
HMO35.3%Requires referrals; in-network only
HMO I-SNP23.5%Medicare Advantage plan
HMO C-SNP23.5%Medicare Advantage plan
HMO-POS C-SNP11.8%Medicare Advantage plan

Choosing the Right Medicare Advantage Plan

The best Part C plan depends on your doctors, medications, and budget. Key factors to evaluate:

  • Provider network: Verify your doctors and hospitals near 28369, NC are in-network before enrolling
  • Total cost: A $0 premium may have higher copays—calculate your annual cost
  • Star Ratings: 4+ stars indicate above-average quality and member satisfaction

Read our full guide on choosing Medicare Advantage → · Print our enrollment checklist →
Medicare Glossary: HMO, PPO, MOOP & more →

Medicare Advantage Insurers in 28369, NC

8 insurance companies offer Medicare Advantage plans in 28369, NC. Below, we group plans by insurer so you can compare options from each company. More insurers generally means more competition and better benefits for consumers.

Longevity Health Plan
Avg Star Rating
5.0 ★
1 plans
From $0.00/mo
Plan
Premium
MOOP
Stars
Type
Longevity Health Plan (HMO I-SNP)
$0.00/mo
$9,250
5.0 ★
HMO I-SNP
Blue Cross And Blue Shield Of North Carolina
Avg Star Rating
4.4 ★
7 plans
From $0.00/mo
Plan
Premium
MOOP
Stars
Type
Blue Medicare Freedom+ (PPO)
$0.00/mo
$9,250
4.5 ★
PPO
Blue Medicare Medical Only (HMO-POS)
$0.00/mo
$3,900
4.5 ★
HMO-POS
Blue Medicare Essential Plus (HMO-POS)
$0.00/mo
$7,450
4.5 ★
HMO-POS
Healthy Blue + Medicare (HMO-POS D-SNP)
$0.00/mo
$9,250
3.5 ★
HMO-POS D-SNP
Blue Medicare Essential (HMO)
$0.00/mo
$9,250
4.5 ★
HMO
Blue Medicare Ppo Enhanced (PPO)
$22.60/mo
$6,300
4.5 ★
PPO
Blue Medicare Enhanced (HMO-POS)
$36.60/mo
$4,200
4.5 ★
HMO-POS
Aetna Medicare
Avg Star Rating
4.3 ★
5 plans
From $0.00/mo
Plan
Premium
MOOP
Stars
Type
Aetna Medicare Enhanced (PPO)
$0.00/mo
$5,900
4.5 ★
PPO
Aetna Medicare Eagle Giveback (PPO)
$0.00/mo
$6,750
4.5 ★
PPO
Aetna Medicare Signature Giveback (PPO)
$0.00/mo
$7,500
4.5 ★
PPO
Aetna Medicare Value Plus (HMO)
$0.00/mo
$5,500
4.0 ★
HMO
Aetna Medicare Dual (HMO D-SNP)
$0.00/mo
$9,250
4.0 ★
HMO D-SNP
Unitedhealthcare
Avg Star Rating
4.2 ★
13 plans
From $0.00/mo
Plan
Premium
MOOP
Stars
Type
Uhc Dual Complete Nc-V001 (HMO-POS D-SNP)
$0.00/mo
$5,900
4.0 ★
HMO-POS D-SNP
Uhc Dual Complete Nc-D001 (HMO-POS D-SNP)
$0.00/mo
$9,250
4.0 ★
HMO-POS D-SNP
Aarp Medicare Advantage Patriot No Rx Nc-Ma02 (HMO-POS)
$0.00/mo
$7,900
4.0 ★
HMO-POS
Aarp Medicare Advantage From Uhc Nc-26 (HMO-POS)
$0.00/mo
$5,400
4.0 ★
HMO-POS
Aarp Medicare Advantage From Uhc Nc-0019 (PPO)
$0.00/mo
$6,700
4.0 ★
PPO
Aarp Medicare Advantage Patriot No Rx Nc-Ma01 (PPO)
$0.00/mo
$8,900
4.5 ★
PPO
Aarp Medicare Advantage From Uhc Nc-0004 (PPO)
$0.00/mo
$6,200
4.5 ★
PPO
Aarp Medicare Advantage From Uhc Nc-0001 (PPO)
$0.00/mo
$6,700
4.5 ★
PPO
Uhc Dual Complete Nc-S001 (PPO D-SNP)
$0.00/mo
$9,250
4.0 ★
PPO D-SNP
Uhc Dual Complete Nc-S3 (HMO-POS D-SNP)
$0.00/mo
$9,250
4.0 ★
HMO-POS D-SNP
Uhc Complete Care Nc-27 (HMO-POS C-SNP)
$0.00/mo
$5,400
4.0 ★
HMO-POS C-SNP
Uhc Dual Complete Nc-S2 (PPO D-SNP)
$0.00/mo
$9,250
4.0 ★
PPO D-SNP
Aarp Medicare Advantage Access From Uhc Nc-23 (PPO)
$102.00/mo
$3,000
4.5 ★
PPO
Humana
Avg Star Rating
3.7 ★
17 plans
From $0.00/mo
Plan
Premium
MOOP
Stars
Type
Humana Usaa Honor Giveback (PPO)
$0.00/mo
$9,250
3.5 ★
PPO
Humana Dual Select H5525-072 (PPO D-SNP)
$0.00/mo
$9,250
3.5 ★
PPO D-SNP
Humanachoice H5525-083 (PPO)
$0.00/mo
$9,250
3.5 ★
PPO
Humanachoice R0110-004 (REGIONAL PPO)
$0.00/mo
$7,000
3.5 ★
Regional PPO
Humana Usaa Honor Giveback (REGIONAL PPO)
$0.00/mo
$9,250
3.5 ★
Regional PPO
Humana Gold Plus H1036-335 (HMO-POS)
$0.00/mo
$3,950
4.0 ★
HMO-POS
Humana Gold Plus Snp-De H1036-331 (HMO D-SNP)
$0.00/mo
$9,250
4.0 ★
HMO D-SNP
Humana Gold Plus Giveback H1036-318 (HMO-POS)
$0.00/mo
$9,250
4.0 ★
HMO-POS
Humana Gold Plus - Diabetes And Heart (HMO C-SNP)
$0.00/mo
$9,250
4.0 ★
HMO C-SNP
Humana Dual Select H1036-307 (HMO D-SNP)
$0.00/mo
$9,250
4.0 ★
HMO D-SNP
Humana Gold Plus Snp-De H1036-167 (HMO D-SNP)
$0.00/mo
$9,250
4.0 ★
HMO D-SNP
Humanachoice H5525-070 (PPO)
$0.00/mo
$9,250
3.5 ★
PPO
Humanachoice H5525-050 (PPO)
$0.00/mo
$9,250
3.5 ★
PPO
Humanachoice H5525-049 (PPO)
$0.00/mo
$9,250
3.5 ★
PPO
Humanachoice Snp-De H5525-036 (PPO D-SNP)
$0.00/mo
$9,250
3.5 ★
PPO D-SNP
Humanachoice Giveback H5525-035 (PPO)
$0.00/mo
$9,250
3.5 ★
PPO
Humana Full Access R0110-005 (REGIONAL PPO)
$34.80/mo
$9,250
3.5 ★
Regional PPO
Wellcare
Avg Star Rating
3.2 ★
9 plans
From $0.00/mo
Plan
Premium
MOOP
Stars
Type
Wellcare Dual Access (HMO-POS D-SNP)
$0.00/mo
$9,250
3.5 ★
HMO-POS D-SNP
Wellcare Dual Reserve (HMO-POS D-SNP)
$0.00/mo
$9,250
3.5 ★
HMO-POS D-SNP
Wellcare Dual Liberty (HMO-POS D-SNP)
$0.00/mo
$9,250
3.5 ★
HMO-POS D-SNP
Wellcare Patriot Giveback Open (PPO)
$0.00/mo
$8,850
3.0 ★
PPO
Wellcare Giveback Open (PPO)
$0.00/mo
$8,300
3.0 ★
PPO
Wellcare Assist Open (PPO)
$0.00/mo
$4,201
3.0 ★
PPO
Wellcare Dual Liberty Open (PPO D-SNP)
$0.00/mo
$9,250
3.0 ★
PPO D-SNP
Wellcare Simple Open (PPO)
$0.00/mo
$4,300
3.0 ★
PPO
Wellcare Simple (HMO-POS)
$0.00/mo
$4,200
3.5 ★
HMO-POS
Troy Medicare
Avg Star Rating
3.0 ★
2 plans
From $0.00/mo
Plan
Premium
MOOP
Stars
Type
Troy Medicare For Dual-Eligible Beneficiaries (HMO D-SNP)
$0.00/mo
$9,250
3.0 ★
HMO D-SNP
Troy Medicare (HMO)
$0.00/mo
$3,950
3.0 ★
HMO
Liberty Medicare Advantage
Avg Star Rating
N/A
3 plans
From $0.00/mo
Plan
Premium
MOOP
Stars
Type
Liberty Medicare Advantage Nursing Home Plan (HMO I-SNP)
$0.00/mo
$6,800
N/A
HMO I-SNP
Liberty Medicare Advantage (HMO C-SNP)
$0.00/mo
$4,000
N/A
HMO C-SNP
Liberty Medicare Dual Plan (HMO D-SNP)
$0.00/mo
$7,550
N/A
HMO D-SNP

Plan availability, premiums, and benefits shown are based on CMS data and may change. Always verify current details with the insurer and at Medicare.gov before enrolling.

Part D: Prescription Drug Plans (PDP)

Part D covers prescription drugs through standalone plans for those on Original Medicare, or as part of a Medicare Advantage bundle. Among the 12 standalone Part D plans in 28369, NC, some offer $0 annual deductibles while others charge up to the 2026 maximum of $590. 2 plans are at or below the regional premium benchmark, making them eligible for Low Income Subsidy auto-enrollment. The 2026 $2,000 out-of-pocket cap means drug costs are now more predictable regardless of which plan you choose, but formulary coverage still varies significantly—always verify your medications are covered before enrolling.

Part D Formulary Notice: Each Part D plan has its own formulary (list of covered drugs). The same medication may be on different tiers—or not covered at all—depending on the plan. Always check that your specific medications are covered before enrolling.
2026 Out-of-Pocket Cap: Thanks to the Inflation Reduction Act, your total out-of-pocket drug costs are capped at $2,000 per year in 2026. Once you reach this limit, you pay nothing more for covered Part D drugs for the rest of the year. This eliminates the old "donut hole" coverage gap that previously caused higher costs.
Low Income Subsidy (LIS / Extra Help): If you have limited income and resources, you may qualify for Extra Help paying Part D costs. Visit SSA.gov or call 1-800-MEDICARE.

Top Part D Drug Plans in 28369, NC

We organize Part D plans by CMS Star Ratings, premiums, and deductibles so you can find the best fit for your prescription needs. Part D premiums in 28369, NC range from $4 to $163/month. Remember: all Part D plans now cap your annual out-of-pocket drug costs at $2,000 thanks to the Inflation Reduction Act.

Highest CMS Star Ratings (Part D)

Part D Star Ratings measure drug pricing, customer service, member complaints, and pharmacy access.

Plan NameInsurerStar RatingPremiumDeductible
Wellcare Classic (PDP)Wellcare3.5 ★$4.70/mo$615Enroll
Wellcare Value Script (PDP)Wellcare3.5 ★$3.60/mo$615Enroll
Humana Basic Rx Plan (PDP)Humana3.0 ★$6.80/mo$615Enroll
Silverscript Choice (PDP)Aetna Medicare3.0 ★$90.20/mo$615Enroll
Humana Value Rx Plan (PDP)Humana3.0 ★$32.00/mo$601Enroll

Lowest Monthly Premium

Lower premiums help with monthly cash flow, but check drug tier costs and the deductible.

Plan NameInsurerMonthly PremiumDrug DeductibleStar Rating
Wellcare Value Script (PDP)Wellcare$3.60/mo$6153.5 ★
Wellcare Classic (PDP)Wellcare$4.70/mo$6153.5 ★
Humana Basic Rx Plan (PDP)Humana$6.80/mo$6153.0 ★
Humana Value Rx Plan (PDP)Humana$32.00/mo$6013.0 ★
Aarp Medicare Rx Saver From Uhc (PDP)Unitedhealthcare$56.90/mo$6152.0 ★

Lowest Annual Drug Deductible

The deductible is what you pay out-of-pocket before the plan starts covering drug costs. The 2026 maximum Part D deductible is $590. Many plans offer $0 deductible options.

Plan NameInsurerDrug DeductibleMonthly PremiumStar Rating
Humana Premier Rx Plan (PDP)Humana$0$110.90/mo3.0 ★
Blue Medicare Rx Enhanced (PDP)Blue Cross And Blue Shield Of North Carolina$0$163.20/mo3.0 ★
Aarp Medicare Rx Preferred From Uhc (PDP)Unitedhealthcare$130$119.80/mo2.0 ★
Humana Value Rx Plan (PDP)Humana$601$32.00/mo3.0 ★
Wellcare Value Script (PDP)Wellcare$615$3.60/mo3.5 ★
Understanding drug tiers: Part D plans organize medications into 5 cost tiers — Tier 1 (Preferred Generic) is cheapest; Tier 5 (Specialty) is most expensive. Two plans with the same premium can have very different costs for your drugs depending on tier placement. Learn more about drug tiers →

Choosing the Right Part D Drug Plan

The right Part D plan depends on your specific medications. Key factors to evaluate:

  • Formulary: Verify your drugs are covered before enrolling
  • Preferred pharmacies: Lower copays at certain locations—check your pharmacy is in-network
  • Total annual cost: Premium + deductible + copays for your drugs

Read our full guide on choosing Part D →
What is a formulary? See our Medicare Glossary →

Part D Drug Plan Insurers in 28369, NC

6 insurance companies offer standalone Part D drug plans in 28369, NC. Below, we group plans by insurer.

Wellcare
Avg Star Rating
3.5 ★
2 plans
From $3.60/mo
Plan
Premium
Deductible
Stars
Type
Wellcare Value Script (PDP)
$3.60/mo
$615
3.5 ★
PDP
Wellcare Classic (PDP)
$4.70/mo
$615
3.5 ★
PDP
Humana
Avg Star Rating
3.0 ★
3 plans
From $6.80/mo
Plan
Premium
Deductible
Stars
Type
Humana Basic Rx Plan (PDP)
$6.80/mo
$615
3.0 ★
PDP
Humana Value Rx Plan (PDP)
$32.00/mo
$601
3.0 ★
PDP
Humana Premier Rx Plan (PDP)
$110.90/mo
$0
3.0 ★
PDP
Blue Cross And Blue Shield Of North Carolina
Avg Star Rating
3.0 ★
2 plans
From $83.90/mo
Plan
Premium
Deductible
Stars
Type
Blue Medicare Rx Standard (PDP)
$83.90/mo
$615
3.0 ★
PDP
Blue Medicare Rx Enhanced (PDP)
$163.20/mo
$0
3.0 ★
PDP
Aetna Medicare
Avg Star Rating
3.0 ★
1 plans
From $90.20/mo
Plan
Premium
Deductible
Stars
Type
Silverscript Choice (PDP)
$90.20/mo
$615
3.0 ★
PDP
Healthspring
Avg Star Rating
2.5 ★
2 plans
From $78.00/mo
Plan
Premium
Deductible
Stars
Type
Healthspring Extra Rx (PDP)
$78.00/mo
$615
2.5 ★
PDP
Healthspring Assurance Rx (PDP)
$110.40/mo
$615
2.5 ★
PDP
Unitedhealthcare
Avg Star Rating
2.0 ★
2 plans
From $56.90/mo
Plan
Premium
Deductible
Stars
Type
Aarp Medicare Rx Saver From Uhc (PDP)
$56.90/mo
$615
2.0 ★
PDP
Aarp Medicare Rx Preferred From Uhc (PDP)
$119.80/mo
$130
2.0 ★
PDP

Plan availability, premiums, and benefits shown are based on CMS data and may change. Always verify current details with the insurer and at Medicare.gov before enrolling.

Ready to Enroll in 28369, NC?

Compare plans side-by-side at Medicare.gov or speak with a licensed Medicare specialist.

Compare Plans at Medicare.gov Call 1-800-MEDICARE

📋 Print our Medicare Enrollment Checklist — gather your info before you compare.

📅 Enrollment Dates & Deadlines · 🩺 Questions to Ask Your Doctor

Medicare.gov is the official U.S. government site for Medicare. Available 24/7.

Pharmacy Access in 28369, NC

Part D plans have preferred pharmacy networks where you'll pay lower copays. Here's a look at pharmacy options in and around 28369, NC.

Total Pharmacies

7
within 10.0 miles

Chain Pharmacies

0
CVS, Walgreens, etc.

Independent Pharmacies

7
locally owned
PharmacyAddress & PhoneDistanceType
ROBESON HEALTH CARE CORPORATION210 S WALNUT ST FAIRMONT, NC 283401956📞 910-053-40036.0 miIndependent
KERR DRUG INC414 N WALNUT ST FAIRMONT, NC 283402038📞 910-062-60686.2 miIndependent
FAIRMONT DRUG COMPANY LLC405 N WALNUT ST FAIRMONT, NC 283402037📞 910-062-42006.2 miIndependent
STEPHENS OUTREACH CENTER, INC13104 NC HIGHWAY 130 E FAIRMONT, NC 283409597📞 910-053-14236.2 miIndependent
41 SOUTH SUPPLY INC214 S MAIN ST FAIRMONT, NC 283401904📞 910-053-41906.2 miIndependent
ROBESON HEALTH CARE CORPORATION1309 E 5TH ST LUMBERTON, NC 283586031📞 910-067-31749.7 miIndependent
COUNTY OF ROBESON OFFICE OF TREASURER460 COUNTRY CLUB RD LUMBERTON, NC 283609494📞 910-067-32009.8 miIndependent
COUNTY OF ROBESON113 W 8TH ST LUMBERTON, NC 283584841📞 910-027-511510.0 miIndependent
BL APOTHECARY2739 W 5TH ST LUMBERTON, NC 283587819📞 910-025-605610.3 miIndependent
MEDICAL ARTS PHARMACY OF LUMBERTON INC1550 GODWIN AVE LUMBERTON, NC 283584206📞 910-073-337010.4 miIndependent

Pharmacy data from CMS. Network participation varies by plan—always verify with your specific Part D plan.

Local Healthcare Access in 28369, NC

Before choosing a plan, consider the healthcare infrastructure in 28369, NC. Medicare Advantage plans restrict you to in-network hospitals, so understanding local hospital quality helps you pick the right plan — not just the cheapest one.

Note: The facilities below do not indicate which providers are in-network for any specific plan. Always verify network status with your plan before enrolling.

Hospitals Nearby

4
within 25.0 miles

Top-Rated Hospitals near 28369, NC

If hospital access matters to your plan choice, check quality ratings before you enroll. These are the highest CMS-rated hospitals near 28369, NC — click a hospital name to see its full profile and verify it's in your plan's network.

View all 4 hospitals near 28369, NC to check quality before you enroll →

Hospital data from CMS Hospital Compare and Provider of Services file. Distance calculated from center of 28369, NC.

Questions to ask your doctor about Medicare coverage →

Telehealth in 28369, NC: Is Your Internet Ready?

Many Medicare Advantage and some Part D plans now include telehealth benefits, making routine check-ins and prescription refills easier from home. But telehealth requires reliable internet—here's a look at connectivity in 28369, NC. For official guidance on virtual visits, see Telehealth.HHS.gov from the U.S. Department of Health & Human Services.

Internet Coverage in 28369, NC

Fiber Available
98.5%
of households
Cable/DSL Available
98.5%
of households
Top Provider
Focus
86.3% coverage
No Broadband
1.1%
of households

Internet coverage data from ISP Reports. View full internet report for 28369, NC.

Medicare-Relevant Demographics in 28369, NC

Understanding 28369, NC's demographics helps contextualize why insurers offer the plans they do. Areas with more seniors and higher incomes tend to attract more insurer competition, while areas with higher Medicaid enrollment may have more Dual-Eligible Special Needs Plans (D-SNP) available.

Total Population
935
Population 65+
166
17.8% of total
Median Age
45
6.7 years older than the national average
Median Income
$48,030
36.1% below the National Average
On Medicare
192
20.5% of residents
On Medicaid
244
26.1% of residents
Uninsured
101
10.8% of residents
Social Security Recipients
412
44.0% of population

Demographic data from U.S. Census Bureau American Community Survey (2023). View full 28369, NC demographics (BestNeighborhood.org).

Community Health in 28369, NC

CDC PLACES population-health estimates for 28369, NC. These indicators influence which Medicare plans tend to perform best here — plans that score well on condition-specific quality measures (diabetes A1c control, blood-pressure control, heart-attack readmission) are usually stronger matches in communities with elevated disease burden.

Diabetes
16.7%
of adults · US avg 12.1%
Heart Disease
9.4%
coronary heart disease · US avg 6.2%
High Blood Pressure
46.4%
of adults · US avg 34.1%

Source: CDC PLACES (2025) — zip-level, population-weighted estimates.

Medicare Plans by Health Condition in 28369, NC

Not every Medicare plan performs equally on every condition. These condition-specific pages rank the plans available in this zip by the CMS quality measures that matter most for each condition:

Top Medicare Doctors in 28369, NC

Medicare-enrolled doctors practicing in or near 28369, NC, ranked by specialty leadership and Medicare patient volume. The plan you pick is only as good as the doctors who accept it — verify your preferred doctors are in-network before enrolling.

See all Medicare doctors near 28369, NC →

Qualify for Both Medicare & Medicaid?

If you are dual-eligible for Medicare and Medicaid, a Dual-Eligible Special Needs Plan (D-SNP) combines both into a single card — typically with $0 premiums, $0 copays, and extra benefits like dental, vision, transportation, and over-the-counter allowances.

View D-SNP Plans in 28369, NC →

Local Medicare FAQ: 28369, NC

Common decision points based on 28369, NC's specific plan market and local healthcare landscape.

How does 28369, NC's Medicare Advantage market compare?

28369, NC has 57 Medicare Advantage plans from 8 insurers. This is roughly in line with the national average of approximately 57 plans per area. The local mix includes 29 HMO and 28 PPO plans. Plan availability updates annually during the Medicare Annual Enrollment Period (October 15 – December 7).

Should I choose an HMO or PPO Medicare Advantage plan in 28369, NC?

With 4 hospitals nearby, a PPO plan may offer valuable flexibility if your preferred providers aren't all in the same network. HMO plans (29 available) cost less but limit your choices. In 28369, NC, HMO plans dominate the market, which often means more competitive HMO pricing. Always verify your doctors are in-network before enrolling in any plan.

What's the real cost of $0 premium plans in 28369, NC?

53 plans (93% of available options) in 28369, NC charge $0 beyond the standard Part B premium. This high percentage reflects strong insurer competition in the area. However, $0 premium doesn't mean $0 cost. These plans may have higher copays, coinsurance, or out-of-pocket maximums. In 28369, NC, maximum out-of-pocket limits range from $3,000 to an average of $7,631. We recommend calculating your total expected annual cost (premium + copays + drug costs) rather than choosing based on premium alone.

How does the 2026 $2,000 drug cap affect 28369, NC beneficiaries?

The Inflation Reduction Act capped annual out-of-pocket drug spending at $2,000 starting in 2025, eliminating the old "donut hole" coverage gap. This applies to all 12 standalone Part D plans in 28369, NC.

What this means locally:

  • Cost predictability — No matter which of the 12 Part D plans you choose, your drug costs are capped at $2,000/year
  • $0 deductible options — Some local plans offer $0 deductibles, meaning coverage starts immediately
  • Low-income options — 2 plans meet the regional benchmark for Extra Help/LIS eligibility

While the out-of-pocket cap standardizes maximum costs, formulary coverage still varies significantly between plans. A drug that costs $5/month on one plan's formulary might cost $50 on another. Always check that your specific medications are covered and compare tier placement before enrolling.

See all Medicare FAQs in our complete guide → · Enrollment checklist →
Medicare Glossary · Enrollment Dates & Deadlines · Doctor Questions

About the Data & Editorial Team

Wes Ward

Wes Ward

Founder & Data Lead

Wes Ward is the founder of InsuranceDataNow.org and reviews all content for data accuracy and methodology compliance.

With 25+ years in data analytics — including work with highly regulated genomic data at Ancestry.com — Wes brings enterprise-level rigor to consumer data tools. He is also a co-founder of BestNeighborhood.org, CrimeGrade.org, and ISPReports.org.

Role: Reviews and approves all content for data accuracy, source verification, and methodology compliance.

View full profile →LinkedIn

Transparency & Disclosures

InsuranceDataNow is an advertising-supported publisher based in South Jordan, Utah. We are not affiliated with or endorsed by Medicare or the U.S. government.

TPMO Disclaimer: We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE (24 hours a day/7 days a week) to get information on all of your options.

Sources

  • CMS Medicare Plan Finder Data (Part C & D): Plan availability, premiums, deductibles, formularies, and Star Ratings from cms.gov
  • CMS Provider Data: Hospital and pharmacy facility data from data.cms.gov
  • CMS NPPES: Doctor identity, specialties, and addresses from npiregistry.cms.hhs.gov
  • CMS Medicare Provider Utilization & Payment Data: Doctor patient volumes and procedures from data.cms.gov
  • CMS Physician Compare: Doctor-hospital affiliations from data.cms.gov
  • CDC PLACES: Zip-level chronic-condition prevalence (Behavioral Risk Factor Surveillance System estimates) from cdc.gov/places
  • U.S. Census Bureau / American Community Survey: Demographics for 28369, NC from census.gov
  • FCC Broadband Map: Internet availability data from broadbandmap.fcc.gov
  • Telehealth.HHS.gov: Official telehealth guidance from U.S. Dept. of Health & Human Services
  • ISP Reports: Internet provider coverage for 28369, NC from ispreports.org
  • BestNeighborhood.org: Community demographic profiles for 28369, NC from bestneighborhood.org
  • CrimeGrade.org: Block-level safety analytics for 28369, NC from crimegrade.org

All data is sourced from official government databases and trusted third-party providers. Data is updated regularly—see page header for last refresh dates. Read our full methodology →Privacy policy

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