Find Your Most Affordable Health Insurance Plan in Polk County
in North Carolina
Polk 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
Polk County, North Carolina, offers families a low cost of living in beautiful natural surroundings. Boasting some great schools and a strong sense of community, it's easy to see why 24% of its 21,000 population is under 18. Families can enjoy outdoor activities at the Green River Game Lands or the Foothills Equestrian Nature Center. In addition, the Tryon International Equestrian Center hosts several family-friendly events throughout the year, and the county has a thriving arts community with several galleries showcasing local artists.
The county is home to several excellent healthcare facilities, including the St. Luke's Hospital and the Rutherford Regional Health System, which provide quality medical care to residents. With a median home value of $219,000, its affordability is just one of the reasons young families enjoy living in the county.
Towns in Polk County (zip codes 28722, 28756, and 28773) include Tryon, Columbus, and Saluda. Tryon is perfect for horse lovers, known for its equestrian heritage, with many horse shows and events occurring throughout the year. Columbus offers a small-town charm that appeals to families, home to around 1,000 people. It's also home to the Polk County Historical Society Museum, which provides an excellent historical overview of the area. Finally, Saluda is a charming town of approximately 700 people. It has a beautiful downtown area and hosts an annual Coon Dog Day Festival offering fun for all ages.
Adventhealth Hendersonville, 100 Hospital Dr, Hendersonville, NC, 28792, (828) 684-8501
Asheville Specialty Hospital, 428 Biltmore Ave # 4, Asheville, NC, 28801, (828) 213-5400
Asheville VA Medical Ctr, 1100 Tunnel Rd, Asheville, NC, 28805, (828) 298-7911
Blue Ridge Regional Hospital, 125 Hospital Dr, Spruce Pine, NC, 28777, (828) 765-4201
Broughton Hospital, 1000 S Sterling St, Morganton, NC, 28655, (828) 433-2111
Caldwell UNC Health Care, 321 Mulberry St SW, Lenoir, NC, 28645, (828) 757-5100
Charles A Cannon Jr Meml Hosp, 434 Hospital Dr, Newland, NC, 28657, (828) 737-7000
Forum Health Asheville, 1312 Patton Ave, Asheville, NC, 28806, (828) 252-9833
Mission Children's Hospital, 11 Vanderbilt Park Dr, Asheville, NC, 28803, (828) 213-1740
Mission Hospital Mcdowell, 430 Rankin Dr, Marion, NC, 28752, (828) 659-5000
Mission Hospital, 509 Biltmore Ave, Asheville, NC, 28801, (828) 213-1111
Pardee UNC Health Care, 800 N Justice St, Hendersonville, NC, 28791, (828) 696-1000
St Luke's Hospital, 101 Hospital Dr, Columbus, NC, 28722, (828) 894-3311
St Lukes Hospital, 101 Hospital Dr, Columbus, NC, 28722, (828) 894-3311
UNC Health Blue Ridge, 2201 S Sterling St, Morganton, NC, 28655, (828) 580-5000
UNC Health Care Blue Ridge, 720 Malcolm Blvd, Valdese, NC, 28690, (828) 580-7640
AMCHC, 225 Patton Ave # 200, Asheville, NC, 28801, (828) 412-5315
Apex Brain Ctr, 600 Julian Ln # 650, Arden, NC, 28704, (828) 708-5274
Asheville Cardiology Assoc-MRN, 472 Rankin Dr # Entrance3, Marion, NC, 28752, (828) 652-0005
Asheville Cardiology Assoc, 189 Hospital Dr # 2ndfloor, Spruce Pine, NC, 28777, (828) 274-6000
Asheville Cardiology Assoc, 387 US 70 W, Marion, NC, 28752, (828) 274-6000
Asheville Cardiology Assoc, 589 Peniel Rd, Columbus, NC, 28722, (828) 274-6000
Asheville Children's Med Ctr, 7 Vanderbilt Park Dr # 100a, Asheville, NC, 28803, (828) 258-0969
Asheville Orthopaedic Assoc, 1 Hospital Dr, Asheville, NC, 28801, (828) 252-7331
Asheville Orthopaedic Assoc, 2315 Asheville Hwy, Hendersonville, NC, 28791, (828) 782-9330
Asheville Orthopaedic Assoc, 472 Rankin Dr # Entrance3, Marion, NC, 28752, (828) 252-7331
Atrium Health At Hm-Hm Med, 141 Fiddlers Run Blvd, Morganton, NC, 28655, (828) 879-9050
Atrium Health At Home, 141 Fiddlers Run Blvd, Morganton, NC, 28655, (828) 580-6450
Atrium Health Shelby Women's, 446 N Carolina 108, Rutherfordton, NC, 28139, (980) 487-2570
Blue Ridge Med Ctr Mayland, , Spruce Pine, NC, 28777, (828) 765-4113
Blue Ridge Med Ctr Yancy Cmps, 800 Medical Campus Dr, Burnsville, NC, 28714, (828) 682-0200
Blue Ridge Med Ctr-Yancey Cmps, 125 Hospital Dr, Spruce Pine, NC, 28777, (828) 765-4201
Carolina Spine & Neurosurgery, 2315 Asheville Hwy, Hendersonville, NC, 28791, (828) 255-7776
Carolinas Healthcare Syst Blue, 1766 Connelly Springs Rd, Lenoir, NC, 28645, (828) 728-8224
Carolinas Medical Ctr At Hm, 141 Fiddlers Run Blvd, Morganton, NC, 28655, (828) 580-6441
Catawba Valley Medical Ctr, 309 S College St, Morganton, NC, 28655, (828) 326-3803
Fastmed Family Medicine, 160 Hendersonville Rd, Asheville, NC, 28803, (828) 210-2835
Gastroenterology-Mission, 11 Vanderbilt Park Dr # 2, Asheville, NC, 28803, (828) 213-1740
Happy Valley Medical Ctr, 1345 NC Highway 268, Lenoir, NC, 28645, (828) 754-6850
Keys Of Hope Medical Ctr, 295 Carson St # K, Marion, NC, 28752, (828) 659-6334
Levine Cancer Inst-Blue Ridge, 720 Malcolm Blvd, Connelly Springs, NC, 28612, (828) 580-7536
Mars Hill Medical Ctr, 119 Mountain View Rd, Mars Hill, NC, 28754, (828) 689-3507
Mauzy-Phillips Ctr, 125 Hospital Dr, Spruce Pine, NC, 28777, (828) 766-3555
Mission Children's Outpatient, 11 Vanderbilt Park Dr, Asheville, NC, 28803, (828) 213-1740
Mission Children's Specialists, 11 Vanderbilt Prk Dr # 2ndfloor, Asheville, NC, 28803, (828) 213-1740
Mission Community Medicine-Brk, 149 W Parker Rd, Morganton, NC, 28655, (828) 433-4933
Mission Community Medicine-Nb, 339 Nebo School Rd, Nebo, NC, 28761, (828) 652-6326
Mission Community Orthopedics, 189 Hospital Dr # 2ndfloor, Spruce Pine, NC, 28777, (828) 766-3555
Mission Community Urological, 189 Hospital Dr # 2ndfloor, Spruce Pine, NC, 28777, (828) 766-3555
Mission Health Ctr Highway 70, 387 US 70 W, Marion, NC, 28752, (828) 652-6386
Mission Health Ctr Sugar Hill, 1633 Sugar Hill Rd, Marion, NC, 28752, (828) 652-7776
Mission Health Mauzy-Phillips, 189 Hospital Dr # 2ndfloor, Spruce Pine, NC, 28777, (828) 766-3555
Mission Health Partners, 50 Schenck Pkwy, Asheville, NC, 28803, (828) 213-3250
Mission Hospital-Smoking, 1 Hospital Dr, Asheville, NC, 28801, (828) 213-5527
Mission Hospital-St Joseph, 428 Biltmore Ave, Asheville, NC, 28801, (828) 213-1111
Mission Medical Oncology, 430 Rankin Dr # Entrance3, Marion, NC, 28752, (800) 506-2550
Mission Neurology Svc, 509 Biltmore Ave, Asheville, NC, 28801, (828) 213-1439
Mission Neurology-Outpatient, 1 Hospital Dr # 3200, Asheville, NC, 28801, (828) 213-9530
Mission Orthopedic Trauma Svc, 1 Hospital Dr # 4200, Asheville, NC, 28801, (828) 213-1994
Mission Outpatient Svc Sugar, 1633 Sugar Hill Rd # Entranceb, Marion, NC, 28752, (828) 252-7331
Mission St Joseph's Health, 890 Hendersonville Rd, Asheville, NC, 28803, (828) 274-7026
Mission Urology-Asheville, 1 Hospital Dr # 4100, Asheville, NC, 28801, (828) 254-8883
Mission Urology-Mcdowell, 472 Rankin Dr # Entrance3, Marion, NC, 28752, (828) 659-5700
Mission Weight Management, 1 Hospital Dr # 3400, Asheville, NC, 28801, (828) 213-4100
Mission Women's Care-Spruce Pn, 189 Hospital Dr # 2ndfloor, Spruce Pine, NC, 28777, (828) 766-3555
Mission Workwell-Medical Park, 2 Medical Park Dr # 102, Asheville, NC, 28803, (828) 213-9600
Occupational Medicine Ctr, 288 S Ridgecrest Ave, Rutherfordton, NC, 28139, (828) 286-5508
Sloop Medical Office Plaza, 436 Hospital Dr, Newland, NC, 28657, (828) 733-0280
Stonecreek Health & Rehab LLC, 455 Victoria Rd, Asheville, NC, 28801, (828) 225-3829
Surgical Specialist-Carolina, 1998 Hendersonville Rd # 40, Asheville, NC, 28803, (828) 585-2575
Valdese Patient Svc Ctr, 730 Malcolm Blvd # 160, Rutherford College, NC, 28671, (828) 580-7456
Whiteville Medical Offices LLC, 1978 Hendersonville Rd # 130, Asheville, NC, 28803, Not Available
Polk County ZIP Codes include: 28722, 28750, 28756, 28773, and 28782
