Plan for Duke

Make Sure Your Plan Includes Duke Health During Open Enrollment

Open enrollment has begun. Here are some key dates to keep in mind:

  • Medicare enrollment runs from October 15 to December 7, 2025.
  • Health insurance marketplace enrollment runs from November 1, 2025 to January 15, 2026.

Medicare Enrollment Dates: October 15 to December 7, 2025

Now is the time to:

  • Review the “Evidence of Coverage” (EOC) and “Annual Notice of Change” (ANOC) from Medicare.
  • Ensure your plans will meet your healthcare needs in the upcoming year.

You can switch participation between Medicare and Medicare Advantage plans during enrollment.

Duke Health is in-network with several Medicare Advantage plans, including Experience Health– Medicare Advantage (HMO Plan), a partnership between Duke Health and Blue Cross Blue Shield of NC. Experience Health offers access to Primary Care and Specialty Care providers from Duke Health and WakeMed Key Community Care. 

View the complete list of Medicare Advantage Plans that include Duke Health.

Health Insurance Marketplace Enrollment Dates: November 1, 2025 to January 15, 2026

Choose one of these plans on the Health Insurance Marketplace to ensure you can continue your care at Duke Health.

  • Ambetter - offered in 58 counties.
  • Blue Value - for Duke Health Lake Norman and Kernodle clinics
  • Cigna Healthcare of NC: Mental health coverage is limited. Please contact Cigna to find a mental health provider.

Note:

  • November 2, 2025: Open enrollment begins.
  • December 15, 2025: Last day to enroll in or change plans for new coverage to start January 1, 2026.
  • January 15, 2026: Last day to enroll in or change plans for new coverage to start February 1, 2026.

Medicaid

In addition to NC Medicaid Direct, Duke Health participates in the following Medicaid health plans, available through NCMedicaidPlans.gov.

Resources for NC Residents

Health insurance navigators are available, and assistance is free at NC Navigator Consortium or 1-855-733-3711.

Navegadores del Seguro de Salud están disponibles y hay ayuda gratuita en español en https://www.ncnavigator.net/ o llame al 1-855-733-3711.

Durham County Project Access: 919-470-7262

NC Medicaid Enrollment Center: 833-870-5500

Federal Health Insurance Navigators: 919-381-5802

SHIIP (Senior Health Insurance Information Program): 1-855-408-1212

National Contact Numbers and Websites

Accepted Health Insurance Plans

Duke Health contracts with most major health insurance carriers and transplant networks. Please call your insurance company and ask if you have access to health care services at Duke Health locations, and what (if any) co-payments, co-insurances, and deductibles will be your responsibility.