Medicare in Fayetteville · Cumberland County, NC
2026 Medicare Advantage Plans in Fayetteville, NC
Cumberland County offers 38 Medicare Advantage plans for 2026 across 5 carriers, with an average premium of $11.48/mo — one of the lowest in eastern NC — and 22 plans rated 4★ or higher by CMS. With a large veteran population and 25 Special Needs Plans, choosing the right coverage requires local knowledge.
By the numbers · Cumberland County
Quick facts for Fayetteville, NC Medicare (2026)
Source: CMS Medicare Advantage/Part D Landscape (PY2026) & CMS Medicare Monthly Enrollment by County.
Health profile · why coverage choice matters here
Chronic conditions among Cumberland County adults
Cumberland County's 12.5% diagnosed diabetes rate is above the NC average (County Health Rankings 2024). With 18,607 Medicare Advantage enrollees in the county, the right plan matches your drug formulary and specialist network to your conditions — before you enroll.
Source: County Health Rankings & Roadmaps 2024 — Cumberland County.
Who covers you
Carriers in Cumberland County (2026)
- 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
Where you get care
Hospitals & providers nearby
- Cape Fear Valley Medical Center
Fayetteville · CMS 2★ overall hospital rating
Confirm your doctors and pharmacy are in-network before you enroll — networks vary by plan and carrier.
Sources: CMS Hospital Compare — Overall Star Ratings · CMS Medicare Advantage/Part D Landscape (PY2026).
Choosing a Medicare plan in Fayetteville, NC — what matters here
- Lowest average premium in the region — Cumberland County's average MA premium of $11.48/mo is among the lowest in eastern NC. 28 of 38 plans are available at $0 monthly premium — but premium is only one factor. Network fit, formulary, and out-of-pocket costs matter more.
- Cape Fear Valley Medical Center — The primary hospital in Fayetteville is rated 2★ by CMS Hospital Compare. Confirm it and your doctors are in-network for your chosen plan before you enroll. U.S. News & World Report has recognized it as a High Performing hospital in certain specialty areas.
- 25 Special Needs Plans (SNPs) — Cumberland County has 25 Medicare Special Needs Plans for 2026: 19 D-SNPs for dual-eligible (Medicare + Medicaid) beneficiaries, 3 C-SNPs, and 3 I-SNPs. Total SNP enrollment exceeds 11,000 county residents.
- Military coverage coordination — Fayetteville's proximity to Fort Liberty means many residents have TRICARE or VA benefits. TRICARE for Life works alongside Medicare as secondary coverage; VA-only beneficiaries should still enroll in Part B to avoid a lifetime penalty if they later need non-VA care.
- Average star rating: 3.89★ — The average CMS star rating across available Cumberland County plans is 3.89★, with 22 plans rated 4★ or higher. We help identify which higher-rated plans match your providers.
Fayetteville, NC Medicare questions, answered
How many Medicare Advantage plans are available in Fayetteville, NC for 2026?
For 2026, there are 38 Medicare Advantage plans available in Cumberland County, offered by 5 major carriers including Humana, UnitedHealthcare, BCBS NC, Aetna, and Wellcare. 22 of those plans carry a CMS star rating of 4★ or higher, and 28 plans are available at $0 monthly premium. Source: CMS PY2026 Landscape.
What is the average Medicare Advantage premium in Fayetteville, NC for 2026?
The average monthly Medicare Advantage premium in Cumberland County is $11.48 for 2026 — one of the lowest average premiums in eastern North Carolina — with an average CMS star rating of 3.89★. Premiums and benefits vary significantly by plan; compare your specific options at Medicare.gov or ask a licensed insurance agent.
What is Cape Fear Valley Medical Center rated by CMS?
Cape Fear Valley Medical Center (CMS Certification #340028) in Fayetteville is rated 2★ by CMS Hospital Compare. Before enrolling in any Medicare Advantage plan, confirm your hospital and doctors are in that plan's network — network status, not hospital star rating, determines your out-of-pocket costs.
How does military coverage (TRICARE/VA) interact with Medicare in Fayetteville?
Fayetteville and Cumberland County have a large active-duty and veteran population near Fort Liberty. If you have TRICARE for Life (TFL), it works alongside Medicare as secondary coverage — meaning Medicare pays first, then TFL covers most remaining costs. If you use only the VA, you still typically need to enroll in Medicare Part B to avoid a lifetime late-enrollment penalty if you later want non-VA care. Coordination rules are complex; a licensed insurance agent can review your specific situation at no cost.
Are there Special Needs Plans (SNPs) available in Cumberland County for 2026?
Yes. Cumberland County has 25 Medicare Special Needs Plans for 2026: 19 D-SNPs for dual-eligible (Medicare + Medicaid) beneficiaries, 3 C-SNPs for chronic conditions, and 3 I-SNPs for institutional care. Total SNP enrollment in the county is approximately 11,344. UHC Dual Complete NC-S3 leads D-SNP enrollment with 3,644 members. Source: medicare.org, May 2026.
Is there a cost for help choosing a Medicare plan in Fayetteville, NC?
No. Our guidance is free — licensed agents are paid by the insurance carriers, not by you. We compare the plans available in your ZIP code against your doctors, prescriptions, and budget. We do not offer every plan available in your area.
Talk to a licensed insurance agent about Fayetteville, NC plans
Free, no pressure. We do not offer every plan available in your area.