Blue Medicare Advantage℠ (Medical-Only and Medical with Prescription Drug)

Blue Cross and Blue Shield of North Carolina (BCBSNC) Medicare Advantage plans (Part C) for 2026 offer comprehensive coverage combining Parts A and B, prescription drugs (Part D), and extra benefits like dental, vision, hearing, and $0 premiums in some plans.

Key highlights include a maximum out-of-pocket (MOOP) cap, fitness memberships, and allowances for OTC items. 

Blue Cross NC 

Core BCBSNC Medicare Advantage Benefits (2026 Highlights)

• Medical Coverage: Covers all Medicare Part A (hospital) and Part B (medical) services, often with lower cost-sharing than Original Medicare.

• Prescription Drugs (Part D): Included in most plans, covering formulary drugs.

• Dental & Vision: Select plans offer up to a $2,000 combined allowance for preventive and comprehensive dental (cleanings, fillings, dentures). Includes $0 routine eye exams and up to $300 annual vision allowance.

• Hearing Services: Includes $0 routine exams and copays for hearing aids (typically $499–$999).

• Extra Benefits:

  • $0 Premium Plans: Available in all 100 NC counties.

  • Part B Reduction: Certain plans provide up to $62.50 off the monthly Part B premium.

  • Fitness: SilverSneakers membership.

  • OTC Allowance: Allowance for over-the-counter health products.

  • Meals: At-home meal delivery following inpatient stays.

  • Transportation: Non-emergency medical transportation to doctor visits. 

    Blue Cross NC 

Plan Structure

• HMO/PPO Plans: Options for HMO (network restricted) and PPO (flexible) plans.

• Network: Access to over 80,000 providers in the Blue Cross NC network.

• Out-of-Pocket Limits: Every plan has an annual maximum amount on what you pay for Part A and B services.