Medicare in Surf City · Pender County, NC
2026 Medicare Advantage Plans in Surf City, NC
Pender County offers 35 Medicare Advantage plans for 2026 across 7 carriers, with an average premium of $21.73/mo and 23 plans rated 4★ or higher by CMS.
ZIP code 28445 straddles the Pender-Onslow county line. Surf City addresses are typically assigned to Pender County by CMS (35 plans, avg $21.73/mo), while Onslow County has 34 plans (avg $22.10/mo). Your specific address determines your county assignment — a licensed agent can confirm this at no cost.
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- Independent — not tied to any one carrier
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By the numbers · Pender County
Quick facts for Surf City, NC Medicare (2026)
Health profile · why coverage choice matters here
Chronic conditions among Pender County adults
Source: County Health Rankings & Roadmaps 2024 — Pender County.
Find Medicare plans near you
Free tools
Quick Medicare Calculators
Part B Late Enrollment Penalty
Monthly penalty: $0.00
IRMAA Quick Check
Monthly surcharge: $0.00
Who covers you
Carriers in Pender County (2026)
- Humana HMO-POS
Gold Plus HMO-POS — leads county enrollment (1,333 members enrolled)
- Anthem Blue Cross and Blue Shield
Blue Medicare Essential Plus — second by enrollment (589 members)
- UnitedHealthcare PPOD-SNP
PPO & D-SNP dual-eligible plans
- Aetna (CVS Health) PPO
PPO plans; Part D included
- Wellcare by Centene HMO
Low-premium HMO options
- Liberty Medicare Advantage HMOPPO
HMO/PPO plans available; ask your agent about current 2026 enrollment options
- Devoted Health HMOPPOD-SNPC-SNPGiveback
HMO & PPO plans including Choice, Core, and Giveback options; D-SNP (Dual Full/Plus) and C-SNP available; $0-premium plans in most markets
Where you get care
Hospitals & providers nearby
- Novant Health Pender Medical Center 507 E Fremont St, Burgaw NC 28425
Confirm your doctors and preferred pharmacy are in-network before enrolling — networks vary by plan and carrier.
Sources: CMS Hospital Compare · CMS Landscape (PY2026).
Choosing a Medicare plan in Surf City, NC — what matters here
- Surf City straddles the Pender-Onslow county line. Most Surf City addresses fall in Pender County for CMS plan purposes (35 plans, avg $21.73/mo) — a licensed agent can confirm your county assignment before you enroll.
- Novant Health Pender Medical Center in Burgaw (4★ CMS) is the primary hospital for Pender County residents. Onslow Memorial Hospital in Jacksonville is also accessible from the island — confirm both are in-network if needed.
- Seasonal retirees in Surf City who travel outside the area for extended periods should compare HMO and PPO options — PPO plans offer out-of-network flexibility that HMO plans do not.
- 18 Special Needs Plans are available in Pender County for dual-eligible or chronically ill beneficiaries. A licensed agent can compare all plans we offer and check eligibility at no cost.
Not sure Medicare Advantage is the right path?
Also consider Original Medicare + a Supplement
Medicare Advantage isn't the only option. If you want the freedom to see any doctor or hospital in the U.S. that accepts Medicare — with no networks, no referrals, and no plan-specific prior authorizations — a Medicare Supplement (Medigap) plan paired with a standalone Part D drug plan may be a better fit for your situation.
- No networks. See any Medicare-accepting provider nationwide — critical if you travel, split time between states, or have specialists outside your county.
- Predictable costs. Plan G covers nearly every gap in Original Medicare except the Part B deductible (~$257/yr in 2026). No surprise bills from out-of-network care.
- Enrollment window. Your guaranteed-issue Medigap Open Enrollment Period is 6 months from your Part B effective date. After it closes, health underwriting may apply in NC.
Medigap guide for Surf City → NC Medicare Supplement overview →
Resources
Medicare guides for Surf City, NC
What Is Medicare? Parts A, B, C & D Explained for 2026
Medicare has four parts that work together — and choosing the wrong combination at 65 can follow you financially for the rest of your life. A plain-English guide to what each part covers, what it costs, and how to enroll on time.
Read →
Medicare Advantage vs. Medigap in 2026: Which Is Right for You?
Two paths through Medicare — one bundles everything into a private plan, the other fills Original Medicare's gaps. The right choice depends on your health, your doctors, and a one-time enrollment window most people don't know about.
Read →
How to Avoid Medicare Late Enrollment Penalties in 2026
Miss a Medicare enrollment window and you pay a permanent surcharge added to your premiums for life. Here's exactly when to enroll in Parts A, B, and D — and the one exception that lets you delay without penalty.
Read →Surf City, NC Medicare questions, answered
How many Medicare Advantage plans are available in Surf City, NC?
For 2026, there are 35 Medicare Advantage plans available in Surf City (Pender County), offered by 7 carriers including Humana, Anthem Blue Cross and Blue Shield, UnitedHealthcare, and others. 23 of those plans carry a CMS star rating of 4★ or higher. Source: CMS PY2026 Landscape.
What is the average Medicare Advantage premium in Surf City for 2026?
The average monthly Medicare Advantage premium in Surf City, NC is $21.73 for 2026, with an average CMS star rating of 3.9★ across available plans. Premiums and benefits vary — compare your specific options at Medicare.gov or with a licensed agent.
When can I change my Medicare plan in Surf City?
The Annual Enrollment Period (AEP) runs October 15 – December 7 each year and is the main window to switch Medicare Advantage plans, change Part D drug plans, or return to Original Medicare. Changes take effect January 1. The Medicare Advantage Open Enrollment Period (January 1 – March 31) allows one plan switch for those already in Medicare Advantage. Special Enrollment Periods are available for qualifying events such as moving or losing other coverage.
Are there Special Needs Plans available in Pender County?
Yes — Pender County has 18 Special Needs Plans (SNPs) available for 2026. These plans are designed for dual-eligible beneficiaries (Medicare + Medicaid), people in institutions, and those with qualifying chronic conditions. SNPs often carry $0 premiums and additional chronic care benefits. A licensed agent can confirm your eligibility at no cost.
What hospital options are near Surf City, NC?
Novant Health Pender Medical Center in Burgaw is rated 4★ by CMS Hospital Compare. Before enrolling in any Medicare Advantage plan, confirm your hospital and doctors are in that plan's network.
Is there a cost for help choosing a Medicare plan in Surf City?
No. Our guidance is free — licensed agents are compensated 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. Contact Medicare.gov or 1-800-MEDICARE to see all options.
Is Medicare coverage the same in Surf City, NC?
Original Medicare (Part A and Part B) is a federal program, so its core coverage rules are the same in Surf City, NC as anywhere else in the country. What varies locally is which Medicare Advantage, Part D, and Medigap plans are actually offered — plan availability, provider networks, and premiums are set at the county level, so the specific options in Pender County won't match a different county even in the same state. That's why it's worth reviewing your local plan lineup each year rather than assuming coverage is identical everywhere.
When can I enroll in Medicare in Surf City, NC?
Your Initial Enrollment Period (IEP) is a 7-month window centered on your 65th birthday — 3 months before, the month of, and 3 months after. After that, the Annual Enrollment Period (AEP) runs October 15 through December 7 each year, letting Surf City residents switch Medicare Advantage or Part D plans for coverage starting January 1. A Special Enrollment Period (SEP) may also open outside these windows if you have a qualifying life event, such as moving to Surf City or losing other health coverage.
How do I find a Medicare agent near Surf City, NC?
Look for a licensed, independent agent who is appointed to sell plans in NC and familiar with the carriers and provider networks serving Pender County. An independent agent can compare options across multiple carriers instead of representing just one. You can book a free, no-obligation consultation with a licensed agent serving Surf City through this site's contact page, or call the number listed on this page to talk with someone directly.
Is there a Medicare agent in Surf City, NC?
Yes. Kayla Price is a licensed independent insurance agent serving Surf City, NC and Pender County among the NC, SC, GA, FL, VA, MD, KS, TX, OH & MI she's licensed in. She works with 7 carriers offering plans in Pender County, so she can compare options rather than represent just one company. You can book a free consultation directly at https://host.safemsngr.com/widget/booking/A0NTF4B4d9I3h3wNvyIB.
How do I find Medicare help in Surf City?
The fastest way is to book a free, no-obligation review with a licensed agent who already works in Pender County — Kayla Price at Price Services Group covers Surf City, NC and can walk through the 35 Medicare Advantage plans available here for 2026. Schedule a time at https://host.safemsngr.com/widget/booking/A0NTF4B4d9I3h3wNvyIB, or use the contact page on this site. You can also always compare plans yourself at Medicare.gov or by calling 1-800-MEDICARE.
Does Price Services Group serve Surf City, NC?
Yes — Surf City, NC is within Kayla Price's real service area at Price Services Group. She is licensed in NC, SC, GA, FL, VA, MD, KS, TX, OH & MI and works with the carriers offering Medicare Advantage, Part D, and Medigap plans in Pender County. Book a free plan review at https://host.safemsngr.com/widget/booking/A0NTF4B4d9I3h3wNvyIB to see what's available at your address.
What Medicare Advantage plans are available in Surf City, NC?
Medicare Advantage plan availability varies by county in NC. Kayla Price can review all plans available in Surf City and help you compare options by phone or video.
How much does Medicare cost in Surf City, NC?
Medicare Part B costs $202.90 per month regardless of where you live in NC. Additional costs depend on which plan you choose. Kayla can walk you through all the costs for plans available in Surf City.
When is the next Medicare enrollment period for residents of Surf City, NC?
The Annual Enrollment Period (AEP) runs October 15 through December 7 each year for all Medicare beneficiaries including those in Surf City, NC. If you're new to Medicare, your Initial Enrollment Period is based on your 65th birthday.
Nearby coverage
Medicare help near Surf City
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35 Medicare Advantage plansMore reading
Medicare topics for Pender County
Medicare Advantage Plans in Pender, NC 2026
See how the 35 Medicare Advantage plans available in Pender County compare on premium, star rating, and network for 2026.
Read on our blog →How to Avoid Medicare Penalties in Surf City
Late Part B and Part D penalties are permanent. Here's how Surf City, NC residents can enroll on time and avoid them.
Read on our blog →Best Medicare Supplement Plans for Pender Residents
A look at how Medigap Plan G and other supplement options stack up for Pender County Medicare beneficiaries.
Read on our blog →Enrollment windows
When can you change your Medicare plan?
Annual Enrollment Period
Oct 15 – Dec 7
Switch MA plans, add or drop Part D, or return to Original Medicare. Changes take effect January 1.
MA Open Enrollment Period
Jan 1 – Mar 31
One plan switch if you're already in Medicare Advantage. Changes start the first of the following month.
Initial Enrollment Period
7-month window at 65
3 months before, the month of, and 3 months after your 65th birthday. Enrolling on time avoids lifetime Part B and Part D penalties.
Your local agent
Talk to a licensed Medicare agent about Surf City, NC plans
Kayla Price is a licensed, independent agent who works with 7 carriers serving Pender County — free, no pressure. We do not offer every plan available in your area.
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 call 1-800-MEDICARE (1-800-633-4227), TTY 1-877-486-2048, 24 hours a day, 7 days a week, to get information on all of your options. Not affiliated with or endorsed by the U.S. government or the federal Medicare program. For informational purposes only — not insurance, legal, or financial advice. Plan availability, premiums, and benefits are based on CMS PY2026 data and subject to change. NPN: 18530055. Agency NPN: 20387435.