licensed insurance agents · Fayetteville & Cumberland County, NC
Medicare in Fayetteville, NC.
38 plans. 22 rated 4★ or higher. Average premium $11.48/mo. Free, local help from an independent insurance agent.
Cumberland County — CMS PY2026
The 2026 Medicare landscape in Fayetteville
Source: CMS Medicare Advantage & Part D Landscape, PY2026 — Cumberland County, NC.
Who offers plans here
5 carriers in Cumberland County
Humana
Leads county enrollment — USAA Honor Giveback PPO (3,327 members) & Gold Plus HMO-POS (2,375 members)
Blue Cross and Blue Shield of NC
Blue Medicare Essential Plus — #3 by enrollment (2,280 members); statewide NC network
UnitedHealthcare
PPO + D-SNP dual-eligible plans; leads D-SNP enrollment with UHC Dual Complete NC-S3 (3,644 members)
Aetna (CVS Health)
PPO plans with Part D included; broad regional network
Wellcare by Centene
Low-premium HMO options
We compare plans across all five carriers — at no cost to you. See all 38 plans →
Why Fayetteville is different
Local factors that shape your coverage
- Fort Liberty (formerly Fort Bragg): Many residents carry TRICARE or VA benefits. These don't automatically coordinate with Medicare — we help you understand which coverage leads and which wraps.
- Cape Fear Valley Medical Center (2★ CMS): The county's primary hospital. Plan networks vary — we verify your hospital and doctors are covered before you sign anything.
- 25 Special Needs Plans: Cumberland County has more SNP options than most NC counties — 19 D-SNPs for dual-eligible residents alone, led by UHC Dual Complete NC-S3 (4.5★).
- Health profile: Diabetes at 12.5% and obesity at 34.0% (County Health Rankings 2024) — above NC averages — make chronic-condition plan benefits worth comparing closely.
- $0-premium options: 28 of 38 plans have $0 monthly premium, including the top two plans by enrollment.
County health snapshot
County Health Rankings 2024 — Cumberland County, NC
From our insurance agent
Fayetteville Medicare guides
Medicare Advantage in Fayetteville, NC (2026)
38 plans, 5 carriers, 3.89★ average — your complete guide to Cumberland County Medicare Advantage.
Read →Turning 65 in Fayetteville, NC (2026)
Step-by-step Medicare enrollment guide for new beneficiaries in Cumberland County.
Read →D-SNP Plans in Fayetteville, NC (2026)
Dual-eligible Special Needs Plans for people on both Medicare and Medicaid in Cumberland County.
Read →Common questions
Fayetteville Medicare — answered
How many Medicare Advantage plans are available in Fayetteville in 2026?
Cumberland County has 38 Medicare Advantage plans for 2026 — 22 rated 4★ or higher. Average monthly premium is $11.48. 28 of 38 plans have $0 monthly premium.
Which Medicare carriers serve Cumberland County?
Humana, UnitedHealthcare, Blue Cross and Blue Shield of NC, Aetna (CVS Health), and Wellcare by Centene all offer plans in Cumberland County. Humana leads total enrollment; UnitedHealthcare leads the D-SNP (dual-eligible) segment.
I'm near Fort Liberty — does that change my Medicare options?
TRICARE and VA benefits are separate from Medicare and don't automatically coordinate. Many Fort Liberty–area retirees carry both Medicare and TRICARE For Life, which works as a Medigap-style wrap. We can help you understand how your TRICARE or VA coverage interacts with any Medicare plan before you enroll.
What Special Needs Plans (SNPs) are available in Fayetteville?
Cumberland County has 25 Special Needs Plans in 2026 — 19 D-SNPs (for people with both Medicare and Medicaid), 3 C-SNPs (chronic conditions), and 3 I-SNPs (institutionalized). UnitedHealthcare leads D-SNP enrollment with the 4.5★-rated Dual Complete NC-S3.
Is Cape Fear Valley Medical Center in-network on Medicare Advantage plans?
Cape Fear Valley Medical Center (2★ CMS Hospital Compare) is the county's primary hospital. Network inclusion varies by plan — we verify your hospital and all your doctors are covered before you enroll.
Let’s find your best plan
Free, no-pressure review of all 38 Cumberland County plans — matched to your doctors, prescriptions, and budget.