Find Your Most Affordable Health Insurance Plan in Clay County
in North Carolina
Clay County residents can choose from two healthcare options: Blue Advantage and Blue Care.
Blue Advantage gives you access to our largest nationwide network. This is a good option if you want a broad choice of in-network doctors, specialists and hospitals.
More in-network providers in North Carolina, with over 95% of doctors and 98% of hospitals in-network1
Fewer restrictions on which providers you can see
Nationwide access to in-network providers through BlueCard®2
Emergency services covered at the in-network benefit level regardless of where you go for care
Notes
Blue Cross NC Provider Internal Data; percentages indicated represent the Blue Cross NC PPO Network as of April 7, 2025.
Covered in nearly 200 countries and territories worldwide through the Blue Cross and Blue Shield Association BlueCard program. www.geo-blue.com/ (Accessed March 2025). BlueCard coverage varies for each Blue Cross and Blue Shield plan. For more complete details, including benefits, limitations, and exclusions, please refer to your certificate of coverage.
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 Care gives you access to our largest statewide network. This is a good option if you want a broad choice of in-network doctors, specialists and hospitals.
More than 92% of doctors and 97% of hospitals in North Carolina are in-network.1
All doctors outside the Blue Care provider network are considered out-of-network and not covered. 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.
in North Carolina
Clay County, in the west of North Carolina, is a popular place to call home for many families. It offers beautiful natural scenery, affordable living, and small-town charm. So it's easy to see why out of its 11,000 population, almost 20% are under 18 years old. In addition, families can access an excellent school system, with many of the county's schools consistently ranking among the top in the state. And it's served by Murphy Medical Center, a full-service medical facility offering emergency and surgical care. The county also boasts several primary care clinics and medical specialists so families can choose a physician that suits their needs.
As well as excellent amenities, young families can enjoy many fun activities in the county. For example, they can enjoy fishing or boating at Lake Chatuge or explore the many beautiful hiking trails at Jackrabbit Mountain Recreation Area. For art and culture lovers, the historic Hayesville Town Square is worth a visit, as is the Clay County Historical and Arts Council, which hosts events and exhibits about the area's rich history.
The county comprises several small towns and communities, including Hayesville, Shooting Creek, and Brasstown. Hayesville boasts a historic downtown area and is known for the John C. Campbell Folk School and Clay County Historical and Arts Council. Zip codes in Clay County include 28904, 28905, 28906, 28909, and 28902.
Angel Medical Ctr, 124 One Center Ct, Franklin, NC, 28734, (828) 524-8411
Cherokee Indian Hospital, 1 Hospital Rd, Cherokee, NC, 28719, (828) 497-9163
Erlanger Western Carolina Hosp, 3990 E US 64 Alt, Murphy, NC, 28906, (828) 837-8161
Harris Regional Hospital, 68 Hospital Rd, Sylva, NC, 28779, (828) 586-7000
Haywood Regional Medical Ctr, 262 Leroy George Dr, Clyde, NC, 28721, (828) 456-7311
Highlands-Cashiers Hospital, 190 Hospital Dr, Highlands, NC, 28741, (828) 526-1200
Swain Community Hospital, 45 Plateau St # 230, Bryson City, NC, 28713, (828) 488-2155
Transylvania Regional Hospital, 260 Hospital Dr, Brevard, NC, 28712, (828) 884-9111
Unity Healing Ctr, 448 Sequoyah Trl, Cherokee, NC, 28719, (828) 497-1800
Angel Medical Ctr, 56 Medical Park Dr, Franklin, NC, 28734, (828) 542-8411
Asheville Cardiology Assoc, 190 Hospital Dr # 104, Highlands, NC, 28741, (828) 274-6000
Atlanta Gastroenterology Assoc, 145 Medical Park Ln # K, Murphy, NC, 28906, (404) 257-9000
Center For Family Medicine, 55 Holly Springs Park Dr, Franklin, NC, 28734, (828) 349-3550
Haywood Regional Medical Ctr, , Waynesville, NC, 28786, (828) 452-8070
Mission Community Primary Care, 57 White Owl Ln, Cashiers, NC, 28717, (828) 743-2491
Mission Health Ctr Highlands, 190 Hospital Dr, Highlands, NC, 28741, (828) 526-4942
Mission Urology-Brevard, 89 Hospital Dr # C, Brevard, NC, 28712, (828) 883-5858
Murphy Medical Ctr Emergency, 3990 E US 64 Alt, Murphy, NC, 28906, (828) 837-8300
Murphy Medical Ctr Human RSRCS, , Murphy, NC, 28906, (828) 835-7683
Murphy Medical Ctr Radiology, 3990 E US 64 Alt, Murphy, NC, 28906, (828) 835-7540
Murphy Medical Ctr, 3990 E US Highway 64 Alternate, Murphy, NC, 28906, (828) 835-7502
Murphy Medical Ctr, 4130 115 Highway 64 E, Murphy, NC, 28906, (828) 835-7505
Orthopedics-Sports Medicine, 190 Riverview St, Franklin, NC, 28734, (828) 349-8260
Ozarks Medical Ctr, PO Box 330, Marble, NC, 28905, (417) 257-5802
Primary Care Franklin, 190 Riverview St, Franklin, NC, 28734, (828) 349-6800
VA Medical Ctr, 45 HI Lane St, Canton, NC, 28716, (828) 298-7911
Clay County ZIP Codes include: 28902, 28904, and 28909
