Find Your Most Affordable Health Insurance Plan in Shelby, North Carolina

in North Carolina

Plans Available

in Cleveland County

Residents of Cleveland County can choose from three healthcare options: Blue Advantage (Off Marketplace only), Blue Home in partnership with Novant Health, and Blue Local in collaboration with Atrium Health.

Blue Advantage logo

Best for

Good option if you want a broad choice of in-network doctors, specialists and hospitals.

Network

Our largest statewide network. Full statewide network with the most provider choice. More than 95% of doctors and 98% of hospitals in North Carolina are in-network (A1)

Availability

map-blue-advantage

Blue Advantage is available on and off Marketplace to residents in all North Carolina counties EXCEPT the following, where it is available only off Marketplace: Alamance, Anson, Cabarrus, Caswell, Chatham, Cleveland, Davidson, Davie, Durham, Forsyth, Franklin, Gaston, Johnston, Lee, Lincoln, Mecklenburg, Orange, Person, Rowan, Stanly, Stokes, Surry, Union, Wake, and Yadkin.

Blue Value logo

Best for

Good fit if you are flexible about which doctors you see – or if your doctor or hospital is part of this smaller network.

The network is statewide, making it easy to get in-network care if you travel or have a child away at college within North Carolina.

Network

  • Limited statewide network for savings

  • Includes, but is not limited to, Atrium Health Wake Forest Baptist, CaroMont Health, Frye Regional, New Hanover Regional, Novant Health and UNC Health Alliance.

  • The following doctor/hospital networks are considered out-of-network for Blue Value: Atrium Health, Catawba Valley Health System, Duke Health and WakeMed. Out-of-state providers are also out-of-network. When traveling outside of North Carolina or the U.S., only emergency services will be covered at the in-network benefit level. All other non-emergency covered services will be covered at the out-of-network benefit level.

Availability

map-blue-value

Blue Value is available on and off Marketplace to residents of these North Carolina counties: Alexander, Brunswick, Burke, Caldwell, Catawba, Cleveland, Columbus, Duplin, Gaston, Iredell, Lincoln, New Hanover, Onslow, Pender, and Surry.

Blue Local with Atrium Health logo

Best for

Good option if you wish to get care from Atrium Health and its affiliated doctors and hospitals. (C1)

Since the majority of doctors in this plan are in the same health care system, it’s easier for them to work together on your behalf.

Network

  • A provider network that includes Atrium Health Levine Children’s Hospital, which is nationally ranked in eight specialties;2 Carolinas Medical Center, which was named the “Best Hospital” in the Charlotte metro region for the seventh straight year;3 and 40 hospitals and more than 1,400 care locations.4

  • A provider network that includes more than 2,700 physicians;5 Atrium Health Wake Forest Baptist Medical Center; an academic medical center; five community hospitals; Brenner Children’s Hospital; more than 300 primary care and specialty clinics;5 and one of only three comprehensive cancer centers in North Carolina.6

  • All doctors outside the Atrium Health provider network are considered out-of-network and not covered by Blue Local, with Atrium Health, including CaroMont Health, Cone Health, Novant Health, and their affiliated providers. Out-of-network benefit coverage is not available except for emergency services, urgent care, and for medically necessary covered services when an in-network provider is not reasonably available per the access to care standards of Blue Cross and Blue Shield of North Carolina (Blue Cross NC).

  • Out-of-state providers are also out-of-network and not covered. When traveling outside of North Carolina or the United States, only emergency services and urgent care will be covered at the in-network benefit level. All other non-emergency services will be out-of-network and not covered.

Availability

Blue Local with Atrium Health

Blue Local with Atrium Health is available on and off Marketplace to residents of these North Carolina counties: Anson, Cabarrus, Cleveland, Davidson, Davie, Forsyth, Gaston, Guilford, Lincoln, Mecklenburg, Randolph, Rowan, Stanly, Stokes, Union, Wilkes and Yadkin.

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Shelby, North Carolina

in Cleveland County

In North Carolina, Shelby attracts plenty of young families with its friendly community and small-town feel. The town is home to around 20,000 people, with 24.6% of residents under 18. It offers a strong sense of community, with many local events and festivals held throughout the year. Additionally, the city has several good schools, and a relatively low cost of living that’s appealing to anyone on a budget. And with an average home price of only $123,000, many families looking for affordable housing are considering Shelby.

There are also plenty of fun things for families to do in the area. For example, locals can visit the Earl Scruggs Center, a museum dedicated to the life and legacy of bluegrass musician Earl Scruggs. The museum has a range of exhibits, interactive displays, and family-friendly live music performances. Shelby City Park is another excellent spot for families who can enjoy a picnic, explore walking trails or let the kids have fun in the playground. Additionally, the city is close to Crowders Mountain State Park, which offers lots of hiking trails and stunning views of the area.

Shelby (zip codes 28150, 28151, and 28152) is home to around 98,000 people in Cleveland County. The county is famous for agriculture and is home to nearby cities, Kings Mountain and Boiling Springs. The proximity to Carolinas HealthCare System Cleveland, which offers various medical services, including emergency care, cardiology, and cancer care, means families can access quality healthcare when needed.

Individual/Family Common Questions

North Carolina Healthcare News & Guides

Individual & Family Plans
Woman standing over an office desk using a laptop and holding a phone
Individual/Family, Affordable Care Act

What You Need to Know About Health Insurance If You’re Self-Employed

In the United States, approximately 16 million workers identify as being self-employed. Self-employment can offer many benefits, including greater flexibility and being your own boss. It also provides an entryway to entrepreneurship and small business ownership.
HealthPlans of NC

Health Plans of NC, Kelly Quinn

Health

What Is Individual Health Insurance?: A Complete Guide

When it comes to overall health and well-being, an individual health insurance plan may be the right option for you. While it may seem expensive with potential out-of-pocket costs, it is worth having. You can rest assured with a proper health insurance plan, as you will be covered for various services and procedures. But what is individual health insurance, and what does it cover?
With the help of a knowledgeable insurance agent, you can find a plan that is both affordable and provides extensive coverage.
The Importance of Receiving Health Insurance in North Carolina
HealthPlans of NC

Health

How Much Is Individual Health Insurance? A Complete Guide

There are several options you must consider when choosing a health insurance plan. Many people receive coverage through their workplace. On the other hand, Medicare (a public health program created by the federal government) might be the most suitable for the elderly or retired. However, there are also individual plans available from health insurance companies. But how much is individual health insurance, and what does it cover?
This option has recently gained traction as it provides greater customization opportunities and flexibility within different plans. In the following, we will explain what individual health insurance is, how much it costs, and why it might be the right choice for you.
Why Consider Getting Individual Health Insurance
HealthPlans of NC

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Footnotes

A1. Blue Cross NC Provider Internal Data; percentages indicated represent Blue Cross NC's PPO Network as of July 22, 2022. Note: Not all plans are available in all areas.

B1. Blue Cross NC has collaborated with Novant Health to bring you Blue Home with Novant Health. Blue Home with Novant Health is a health insurance plan offered by Blue Cross NC that provides access to a limited network of providers. Novant Health is an independent company that is solely responsible for the physicians and medical facilities it owns and operates. Novant Health does not offer Blue Cross or Blue Shield products or services.

B2. NovantHealth, www.novanthealth.org/home/about-us/company-information.aspx (Accessed August 2022).

C1. Blue Cross NC has collaborated with Atrium Health to bring you Blue Local with Atrium Health. Blue Local with Atrium Health is a health insurance plan offered by Blue Cross NC that provides access to Atrium Health’s limited network of providers. Atrium Health is an independent company that is solely responsible for the physicians and medical facilities it owns/operates and does not offer Blue Cross or Blue Shield products or services.

C2. U.S. News & World Report, www.health.usnews.com/best-hospitals/area/nc/levine-childrens-hospital-PA6360280 (Accessed September 2022).

C3. AtriumHealth, www.atriumhealth.org/about-us/newsroom/news/2020/07/atrium-health-earns-multiple-honors-by-us-news-world-report (Accessed September 2022).

C4. AtriumHealth, www.atriumhealth.org/about-us (Accessed September 2022).

D1. Blue Cross NC has collaborated with Wake Forest Baptist Health to bring you Blue Local with Wake Forest Baptist Health. Blue Local with Wake Forest Baptist Health is a health insurance plan offered by Blue Cross NC that provides access to a limited network of providers. Wake Forest Baptist Health is an independent company that is solely responsible for the physicians and medical facilities it owns and operates. Wake Forest Baptist Health does not offer Blue Cross or Blue Shield products or services.

D2. WakeForestBaptistHealth, www.wakehealth.edu/-/media/WakeForest/Clinical/Files/About-Us/2019FactBook.pdf (Accessed September 2022).

E1. Blue Cross NC has collaborated with UNC Health Care to bring you Blue Home with UNC Health Alliance. Blue Home with UNC Health Alliance is a health insurance plan offered by Blue Cross NC that provides access to a limited network of providers. UNC Health Care is an independent company that is solely responsible for the physicians and medical facilities it owns and operates. UNC Health Care does not offer Blue Cross or Blue Shield products or services.

E2. UNC Health, www.unchealthcare.org/health-alliance/ (Accessed August 2022).

E3. U.S. News and World Report, www.health.usnews.com/best-hospitals/area/nc/university-of-north-carolina-hospitals-6360260 (Accessed September 2022).

E4. U.S. News and World Report, www.health.usnews.com/best-hospitals/area/nc/rex-healthcare-6361210 (Accessed September 2022).

U9144b, 9/22

Shelby, North Carolina ZIP Codes include: 28150, 28151, and 28152

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