Live Worry-Free. Find the Right Medicare Plan in NC. in Mecklenburg County test
North Carolina
Blue Cross has a large network of providers, which means you have more options when it comes to choosing doctors and hospitals.
Blue Cross NC offers competitive pricing on Medicare plans, which can help you save money on healthcare costs.
There are two opportunities for everyone to switch plans: October 15 to December 7 and January 1 to March 31. Talk to an agent for additional information and exceptions.
Blue Cross offers wellness benefits, such as fitness programs and wellness coaching, to help you maintain your health and prevent illness.
Advantages include locking in rates, avoiding coverage gaps, wellness programs, and more.
All of our agents are based in North Carolina and are dedicated to serving the people of this state.
Government-Managed
À La Carte Coverage
Accepted Nationwide
Enjoy travel & like customization
Insurance Company-Managed
Bundled Coverage
Accepted within a Network
Want extra benefits & need a spending cap
Enrolled in Part A and Part B? Get more with Blue Medicare Supplement Original Medicare only covers some of your medical costs. That’s why Blue Cross and Blue Shield of North Carolina (Blue Cross NC) offers reliable Medicare Supplement plans to help lessen the worries over what Medicare doesn’t cover.
• Coverage for the costs not covered by Original Medicare (Parts A and B) • The freedom to see any Medicare-participating provider nationwide that accepts Medicare • Rates as low as $31.50 per month1 • Flexibility to change plans • Fitness benefit and hearing benefit on all five plans
With some insurers, you can get locked into a plan that may not be right for you. But thanks to our exclusive Blue-to-Blue program, if your needs change over time, Blue Cross NC gives you the flexibility to switch Medicare plans:2 • Without additional medical exams • Without underwriting or additional health questions • Without any hassle
You cannot be turned down for Blue Medicare Supplement, and may not have to complete a medical questionnaire, if you meet all of the following criteria: • You are age 65 or older, or under age 65 and are eligible for Medicare due to disability3 • You enroll within six months of enrolling in Medicare Part B • You are not covered by certain Medicaid programs • You are a resident of North Carolina
If you enroll early, you may be eligible for a Medicare Supplement plan without waiting periods for pre-existing conditions. If you wait until after your deadline to enroll, you may have a waiting period for pre-existing conditions.
Fitness memberships at in-network facilities using the designated provider. Unlimited access to the vendor’s online platform. SilverSneakers is more than a traditional fitness program. It’s a way to improve your health and live the life you want.
In the gym:
• Thousands of participating locations4 nationwide with various amenities • Ability to enroll at multiple locations at any time • SilverSneakers classes5 designed for all levels and abilities
At home or on the go: • SilverSneakers LIVE online classes and workshops led by specially trained instructors, 7 days a week • SilverSneakers On-Demand videos available 24/7 • SilverSneakers GO mobile app with personalized program resources, adjustable workout plans, and more
In your community: • Group activities and classes5 offered outside the gym
Always talk with your doctor before starting an exercise program.
TruHearing covers one hearing aid per ear per year for a low copay of $499 for Standard hearing aids, $699 for Advanced hearing aids or $999 for Premium hearing aids. Also, as part of the program, a TruHearing provider will help you choose the best hearing aid for your lifestyle and unique hearing needs.
Blue Cross NC is more than a health insurance company. We’re North Carolinians serving North Carolinians. For over 90 years, we’ve been in your community, giving back and listening to how we can provide access to the quality care you deserve.
• Compare plan benefits • Get a free rate quote
Notes: • For costs and further details of the coverage, including exclusions, any reductions or limitations, and terms under which the policy may be continued in force, contact your agent or the company. • Plan A: BMS A, 1/26; Plan G: BMS G, 1/26; Plan G-HD: BMS HDG, 1/26;Plan K: BMS K, 1/26; Plan N: BMS N, 1/26. • Agent/Agency is an independent authorized Agent/Agency licensed to sell and promote products from Blue Cross NC. The content contained in this site is maintained by Agent/Agency. • Medicare Supplement insurance plans are not connected with or endorsed by the U.S. government or the federal Medicare program. • Policy benefits are limited to those approved by Medicare for payment.
Disclaimers: • Blue Cross NC contracts with independent companies to provide supplemental benefits. These companies are responsible for the services they provide. They do not provide Blue Cross or Blue Shield products or services. Marks and trade names are property of their respective owners. This fitness program is not an insurance offering. • SilverSneakers is a registered trademark of Tivity Health, Inc. © 2025Tivity Health, Inc. All rights reserved. • TruHearing is a registered trademark of TruHearing, Inc. TruHearing is an independent company and does not offer Blue Cross or Blue Shield products or services. This program may change or be discontinued at any time. This is not an insurance offering.
1 Example for a female non-smoker, age 65. Premium rates can vary based on a number of factors. Contact Blue Cross NC or your Authorized Independent Agent to learn more. 2 Blue-to-Blue is only available when you switch from one Blue Cross NC medical plan (limitations apply) to a Blue Cross NC Medicare plan. You may only switch during designated times of the year. Certain other limits apply. Contact the plan or your Authorized Independent Agent for more information. 3 Guaranteed acceptance for those under age 65 who have Medicare due to disability is limited to Plan A and Plan G. 4 Participating locations (PL) are not owned or operated by Tivity Health, Inc. or its affiliates. Use of PL facilities and amenities is limited to terms and conditions of PL basic membership. Facilities and amenities vary by PL. Inclusion of specific PLs is not guaranteed and PL participation may differ by health plan. 5 Membership includes SilverSneakers instructor-led group
®, SM are marks of the Blue Cross and Blue Shield Association, an association of independent Blue Cross and Blue Shield plans. All other marks and names are property of their respective owners. Blue Cross and Blue Shield of North Carolina is an independent licensee of the Blue Cross and Blue Shield Association. U4093, 12/25
in North Carolina
Blue Cross and Blue Shield of NC offers nine Medicare plans in Mecklenburg County for 2026:
Plan Name | Plan Type & Description |
|---|---|
Blue Medicare Medical Only Medical Only — No Rx | Essential medical coverage without additional benefits. Best for those who prefer to use Original Medicare services exclusively and want a low-cost medical-only option. |
Blue Medicare Essential HMO HMO | In-network HMO requiring care within the NC local network. Ideal for local Mecklenburg County residents prioritizing lower premiums and coordinated care with a primary care provider. |
Blue Medicare Essential Plus HMO-POS HMO-POS | HMO structure with some point-of-service out-of-network flexibility. Provides affordability with added provider choice beyond the standard HMO. |
Blue Medicare Choice HMO HMO | Focuses on in-network HMO care with emphasis on cost-conscious local provider access. Best for residents with established doctors within the network. |
Blue Medicare Enhanced HMO-POS HMO-POS — Enhanced | Comprehensive coverage with flexibility for some out-of-network care. Designed for those wanting more extensive service options and some provider flexibility. |
Blue Medicare Freedom+ Broader Out-of-Network | Provides greater out-of-network provider choice than standard HMO plans. Suitable for residents who need wider geographic coverage or access to providers outside a fixed network. |
Healthy Blue +Medicare HMO-POS DSNP Dual Eligible (Medicare+Medicaid) | Designed exclusively for residents who qualify for both Medicare and Medicaid (dual-eligible). Combines both networks for extensive coordinated benefits. Contact an agent to confirm eligibility. |
Blue Medicare PPO Enhanced PPO — Nationwide Access | Combines PPO flexibility with enhanced benefits. Best for residents who want nationwide provider access and the freedom to see any Medicare-accepting provider without referrals. |
Blue Medicare Rx Enhanced PDP Part D Only — Rx Only | Standalone prescription drug plan only. Ideal for residents with Original Medicare who need comprehensive medication management and do not want to change their medical coverage. |
Blue Cross NC’s Blue Medicare Supplement (Medigap) plans work alongside Original Medicare to cover costs that Medicare Parts A and B don’t pay — including deductibles, coinsurance, and copayments. Available plans in NC: Plan A, Plan G, Plan G-HD (high deductible), Plan K, and Plan N.
• Rates starting as low as $36.50/month for a female non-smoker age 65 • Freedom to see any Medicare-participating provider nationwide — no network restrictions • Blue-to-Blue℠ program: switch between Blue Cross NC Medicare plans without additional health exams, underwriting, or health questions • FitOn Health fitness benefit: access to 13,000+ gyms and studios with up to $112/month to spend on fitness • TruHearing® program: $699 for Advanced hearing aids, $999 for Premium hearing aids per ear per year • Guaranteed acceptance if enrolling within 6 months of enrolling in Medicare Part B at age 65
Unlike Medicare Advantage plans, Blue Medicare Supplement has no network restrictions. Mecklenburg County residents can see any doctor or hospital that accepts Medicare — including all Atrium Health and Novant Health facilities — without referrals or prior authorization.
Medicare Part B standard premium: $185.00/month in 2025, increasing to $202.90/month in 2026. Part A is $0/month for most people. Medicare Advantage plans often have $0 premiums beyond Part B, with an average NC premium of approximately $18.81/month. Medicare Supplement plans start at $36.50/month. Part D prescription drug plans are available with premiums starting at $0/month and an annual out-of-pocket cap of $2,000 in 2025 ($2,100 in 2026). The Part D cap is one of the most significant Medicare improvements in years — once you reach $2,000 in out-of-pocket drug costs, you pay $0 for covered drugs for the rest of the year.
Mecklenburg County has a vast network of healthcare facilities and services of particular importance to residents on Medicare — adults 65 and older and individuals with qualifying disabilities. With over 2.2 million North Carolinians enrolled in Medicare and more than 56% choosing Medicare Advantage, Mecklenburg County residents have strong local options from Blue Cross and Blue Shield of NC.
Mecklenburg County residents on Medicare face a fundamental choice: Medicare Advantage (Part C) or Original Medicare with a Medicare Supplement (Medigap) plan.
Medicare Advantage plans from BCBSNC bundle Parts A, B, and usually D into one plan, often with $0 premiums beyond your Part B cost and extra benefits like dental, vision, and fitness. Most plans use networks — in Mecklenburg County this means choosing between Atrium Health and Novant Health-based networks depending on the plan.
Blue Medicare Supplement plans work alongside Original Medicare with no network restrictions — you can see any Medicare-accepting doctor or hospital in the country, including all Atrium and Novant facilities, without referrals. Rates start at $36.50/month, and the Blue-to-Blue program lets you switch BCBSNC Medicare plans without underwriting.
In North Carolina, about 56% of Medicare beneficiaries choose Medicare Advantage and about 40% of Original Medicare users add a Medigap supplement plan. The right choice depends on your health, budget, travel habits, and whether you have preferred providers at Atrium or Novant. A licensed local agent can compare total annual costs under each option at no charge.
Both Atrium Health and Novant Health accept Original Medicare at all Mecklenburg County facilities. For Medicare Advantage plan acceptance, verify with a licensed agent that your specific plan covers your preferred providers before enrolling.
Primary care for Medicare beneficiaries is available at Tryon Medical Partners and Mecklenburg Medical Group, which accept Medicare and focus on preventive care, chronic disease management, and routine check-ups.
Mecklenburg County benefits from a wide range of chain and independent pharmacies facilitating easy access to prescription medications under Medicare Part D. Key 2025–2026 improvements include a $2,000 annual out-of-pocket cap, a $35/month insulin cap, and Medicare-negotiated drug prices starting January 2026 with savings of 38–79% on high-cost medications including Eliquis, Jardiance, Xarelto, Januvia, and Entresto.
Facility | Type | Services / Notes |
|---|---|---|
Aldersgate | Assisted Living / Senior Care | Long-term care, rehabilitation services, Medicare-certified |
The Laurels in Highland Creek | Assisted Living / Senior Care | Long-term care, rehabilitation services, Medicare-certified |
Cardinal Innovations Healthcare | Mental Health / Substance Abuse | Resources for Medicare beneficiaries |
HopeWay Foundation | Mental Health | Resources for Medicare beneficiaries |
Facility | Type | Services / Notes |
|---|---|---|
Tryon Medical Partners | Primary Care | Preventive care, disease management, Medicare accepted |
Mecklenburg Medical Group | Primary Care | Preventive care, routine check-ups, Medicare accepted |
Atrium Health Myers Park | Primary Care | Preventive care, Medicare accepted |
OrthoCarolina | Orthopedics | Medicare accepted |
Levine Cancer Institute | Oncology | Medicare accepted |
The Neurological Institute | Neurology | Medicare accepted |
Carolina Center for Behavioral Health | Mental Health | Inpatient and outpatient, Medicare accepted |
Mecklenburg County is home to 1,233,383 residents (U.S. Census, July 2025), making it North Carolina’s most populous county. Approximately 150,378 residents — 12.5% of the county — are age 65 or older, the primary Medicare-eligible population. Despite a median household income of $87,005, 12.3% of county residents under age 65 are uninsured, underscoring the continuing need for coverage navigation support. The county’s rapid growth (10.6% since 2020) and highly mobile population mean many Medicare-age residents arrive from states with different carrier landscapes and need guidance on NC-specific Medicare options. Major employers include Bank of America, Truist Financial, Duke Energy, and Atrium Health. Mecklenburg County’s healthcare infrastructure — with 30+ hospital facilities, two competing major health systems, and wide pharmacy access — makes it one of the best-served Medicare markets in North Carolina. Health Plans of NC helps Mecklenburg County residents compare Medicare Advantage, Medigap, and Part D plans at no cost.
Area Hospitals
Hospital | Address | Phone |
|---|---|---|
Atrium Health Cabarrus | 920 Church St N, Concord, NC 28025 | (704) 403-3000 |
Atrium Health Cleveland | 201 E Grover St, Shelby, NC 28150 | (980) 487-3000 |
Atrium Health Kings Mountain | 706 W King St, Kings Mountain, NC 28086 | (980) 487-5000 |
Atrium Health Lincoln | 433 Mcalister Rd, Lincolnton, NC 28092 | (980) 212-2000 |
Atrium Health Pineville | 10628 Park Rd, Charlotte, NC 28210 | (704) 667-1000 |
Atrium Health Stanly | 301 Yadkin St, Albemarle, NC 28001 | (704) 984-4000 |
Atrium Health Union West | 1000 Healing Way, Matthews, NC 28104 | (800) 821-1535 |
Atrium Health Union | 600 Hospital Dr, Monroe, NC 28112 | (980) 993-3100 |
Atrium Health University City | 8800 N Tryon St, Charlotte, NC 28262 | (704) 863-6000 |
Atrium Health Waxhaw | 2700 Providence Rd S, Waxhaw, NC 28173 | (704) 667-6800 |
Atrium Health’s Carolinas Med Center | 1000 Blythe Blvd, Charlotte, NC 28203 | (704) 355-2000 |
Carolinas Continue Care Hospital | 10648 Park Rd, Charlotte, NC 28210 | (704) 667-8050 |
Carolinas Continuecare Hospital | 8800 N Tryon St #4, Charlotte, NC 28262 | (704) 863-8300 |
Carolinas Healthcare System | 501 Billingsley Rd, Charlotte, NC 28211 | (704) 444-2400 |
Carolinas Rehabilitation | 1100 Blythe Blvd, Charlotte, NC 28203 | (704) 355-4300 |
Caromont Regional Medical Center | 2525 Court Dr, Gastonia, NC 28054 | (704) 834-2000 |
Catawba Valley Medical Center | 810 Fairgrove Church Rd, Hickory, NC 28602 | (828) 326-3000 |
Davis Regional Medical Center | 218 Old Mocksville Rd, Statesville, NC 28625 | (704) 873-0281 |
Frye Regional Medical Center | 420 N Center St #20, Hickory, NC 28601 | (828) 315-5000 |
Iredell Memorial Hospital | 557 Brookdale Dr, Statesville, NC 28677 | (704) 873-5661 |
Jeff Gordon Children’s Center | 920 Church St N, Concord, NC 28025 | (704) 403-3000 |
Lake Norman Regional Med Center | 171 Fairview Rd, Mooresville, NC 28117 | (704) 660-4000 |
Levine Children’s Hospital | 1000 Blythe Blvd, Charlotte, NC 28203 | (704) 381-2000 |
Novant Health Charlotte Ortho | 1901 Randolph Rd, Charlotte, NC 28207 | (704) 316-2000 |
Novant Health Hemby Children’s | 200 Hawthorne Ln, Charlotte, NC 28204 | (704) 384-4021 |
Novant Health Huntersville Med | 10030 Gilead Rd, Huntersville, NC 28078 | (704) 316-4000 |
Novant Health Matthews Med Center | 1500 Matthews Township Pkwy, Matthews, NC 28105 | (704) 384-6500 |
Novant Health Mint Hill Med Center | 8201 Healthcare Loop, Charlotte, NC 28215 | (980) 302-1000 |
Novant Health Presbyterian Med | 200 Hawthorne Ln, Charlotte, NC 28204 | (704) 384-4000 |
Novant Health Rowan Med Center | 612 Mocksville Ave, Salisbury, NC 28144 | (704) 210-5000 |
WG Hefner Salisbury Dept | 1601 Brenner Ave, Salisbury, NC 28144 | (704) 638-9000 |
Mecklenburg County test ZIP Codes include: 28031, 28035, 28036, 28070, 28078, 28105, 28106, 28126, 28130, 28134, 28201, 28202, 28203, 28204, 28205, 28206, 28207, 28208, 28209, 28210, 28211, 28212, 28213, 28214, 28215, 28216, 28217, 28218, 28219, 28220, 28221, 28222, 28223, 28224, 28226, 28227, 28228, 28229, 28230, 28231, 28232, 28233, 28234, 28235, 28236, 28237, 28241, 28242, 28243, 28244, 28246, 28247, 28250, 28253, 28254, 28255, 28256, 28258, 28260, 28262, 28263, 28265, 28266, 28269, 28270, 28271, 28272, 28273, 28274, 28275, 28277, 28278, 28280, 28281, 28282, 28284, 28285, 28287, 28288, 28289, 28290, 28296, 28297, and 28299
