Find Your Most Affordable Health Insurance Plan in Scotland County
in North Carolina
Scotland County residents can compare 14 health insurance options for 2026.
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.
Blue Care is available in all North Carolina counties, except: Alamance, Caswell, Chatham, Durham, Franklin, Johnston, Lee, Orange, Person, and Wake.
in North Carolina
Find affordable health insurance in Scotland County, NC with Health Plans of NC. Health Plans of NC helps Scotland County residents find affordable health insurance coverage, connecting families and individuals with plans that work alongside trusted local employers like Scotland Memorial Hospital and Scotland County Schools.
Plan Network | Type | Network Coverage |
|---|---|---|
Blue Advantage | PPO | Largest nationwide network, 95%+ of NC doctors in-network |
Blue Care | PPO | Broad statewide network, 92%+ of NC doctors in-network |
Scotland County is home to 34,353 residents across communities like Laurinburg, Gibson, and Wagram, with the county's population growing 0.5 percent since 2020 and 2.8 percent of residents being foreign-born, reflecting a diverse community with varied coverage needs. Major employers including Scotland Memorial Hospital, Scotland County Schools, the NC Department of Adult Corrections, the County of Scotland, and Pilkington North America anchor the local economy and offer employer-sponsored insurance to many workers, while the Scotland Health Care System serves as the primary regional health network. For those outside employer coverage, Health Plans of NC helps Scotland County residents explore every available option, from ACA Marketplace plans to Medicaid and short-term alternatives.
ACA Marketplace coverage through Blue Cross NC provides Scotland County individuals and families with comprehensive plan options suited to those working at employers like Pilkington North America who do not receive employer-sponsored benefits.
Medicaid coverage is available at little to no cost for qualifying Scotland County residents, particularly those connected to lower-wage positions in sectors supported by the County of Scotland or community service organizations.
Employer-sponsored insurance is available to many Scotland County workers through major local employers such as Scotland Memorial Hospital, Scotland County Schools, and the NC Department of Adult Corrections.
Short-term health coverage may serve Scotland County adults in transition between jobs at employers like Pilkington North America or those awaiting eligibility for employer-sponsored plans.
COBRA continuation coverage allows Scotland County residents who leave employment at major local employers like Scotland County Schools or the County of Scotland to temporarily maintain their existing group health benefits.
Small business SHOP Marketplace plans allow Scotland County small employers to offer ACA-compliant group coverage to their employees, supporting workforce retention in the Scotland Health Care System's broader service area.
For 2026, Blue Cross NC offers 14 plans in Scotland County across two distinct provider networks, Blue Advantage and Blue Care, giving residents meaningful choice in how they access care at local facilities like Scotland Memorial Hospital at 500 Lauchwood Dr in Laurinburg. Blue Advantage operates as a PPO with the largest nationwide network, covering 95 percent or more of North Carolina doctors in-network, while Blue Care is also a PPO with broad statewide reach covering 92 percent or more of NC doctors. Health Plans of NC can help Scotland County residents verify that their preferred providers, including specialists at FirstHealth Moore Regional Hospital in Pinehurst or Rockingham and Hoke Hospital in Raeford, are included in whichever network they choose.
Blue Advantage, PPO, offers the largest nationwide network with 95 percent or more of NC doctors in-network, including access to Scotland Memorial Hospital and FirstHealth Moore Regional Hospital locations.
Blue Care, PPO, provides broad statewide network coverage with 92 percent or more of NC doctors in-network, connecting Scotland County residents to providers at Hoke Hospital in Raeford and Cape Fear Valley Medical Center in Fayetteville.
Both Blue Advantage and Blue Care PPO plans allow Scotland County residents to access out-of-network providers with greater flexibility than HMO or EPO structures, which is valuable for those who travel for specialty care.
Scotland County residents who regularly use Scotland Memorial Hospital should confirm in-network status under their chosen network, either Blue Advantage or Blue Care, before completing enrollment.
Blue Advantage and Blue Care plans are both available across multiple coverage tiers, giving Scotland County shoppers the ability to match their preferred provider network with a Bronze, Silver, or Gold cost structure.
Health Plans of NC agents compare Blue Advantage and Blue Care plans side by side at no cost, helping Scotland County residents identify which PPO network best fits their provider relationships and care patterns.
Bronze plans in Scotland County start at approximately $476.59/month before subsidies. With a median household income of $43,500, many residents qualify for premium tax credits. Subsidies may reduce your monthly premium significantly based on income.
Bronze plans in Scotland County start at $476.59 per month for a 35-year-old before tax credits, offering the lowest available premium with a higher deductible structure.
Silver plans start at $612.52 per month before tax credits and are the only tier eligible for cost-sharing reductions, which can lower deductibles and copays for qualifying Scotland County households.
Gold plans start at $633.41 per month before tax credits and feature lower out-of-pocket costs at the point of care, making them well suited for residents with frequent healthcare needs.
Scotland County households earning between 100 and 400 percent of the federal poverty level qualify for ACA premium tax credits that can reduce monthly premiums well below the published starting prices.
Residents earning between 100 and 150 percent of the federal poverty level may qualify for a zero-dollar or near-zero-dollar premium Silver plan through enhanced federal subsidies.
Scotland County's median household income of $43,500 means a substantial share of working families sit in the subsidy-eligible range, making it essential to calculate credits before selecting a plan tier.
For 2026, Blue Cross NC is the sole ACA Marketplace carrier serving Scotland County, offering 14 plans across the Blue Advantage and Blue Care PPO networks. Blue Advantage is structured as a PPO with the largest nationwide network, connecting Scotland County residents to over 95 percent of NC doctors in-network, while Blue Care is also a PPO providing broad statewide access to over 92 percent of NC doctors. Both networks include key local providers such as Scotland Memorial Hospital in Laurinburg and regional facilities including FirstHealth Moore Regional Hospital locations and Hoke Hospital, making network fit a critical factor in plan selection. The choice between Blue Advantage and Blue Care affects which hospitals, specialists, and clinics a Scotland County resident can access at in-network cost levels, so comparing network directories carefully is an important step before enrolling. Health Plans of NC licensed agents compare every available Blue Cross NC plan side by side at no cost to Scotland County consumers, ensuring residents select the plan that best matches their provider relationships and coverage needs.
Blue Cross NC, PPO plans under Blue Advantage and Blue Care networks, 14 plans available in Scotland County for 2026 across Bronze, Silver, Gold, and catastrophic coverage tiers.
North Carolina expanded Medicaid in December 2023, extending free or low-cost coverage to adults earning up to 138 percent of the federal poverty level, a change that opened eligibility to thousands of previously uninsured residents across the state. In Scotland County, 11.8 percent of residents, representing approximately 4,000 people, remain uninsured, and many may now qualify for Medicaid or subsidized coverage they have not yet claimed. Children in families earning up to 210 percent of the federal poverty level may qualify for NC Health Choice, also known as CHIP, providing low-cost pediatric coverage for families who earn too much for Medicaid but still need affordable options. Health Plans of NC offers free eligibility checks to help Scotland County residents determine whether they qualify for Medicaid, CHIP, or a subsidized Marketplace plan.
Working adults in Scotland County who earn at or below 138 percent of the federal poverty level are now eligible for full Medicaid coverage following North Carolina's December 2023 expansion.
Children in Scotland County families earning up to 210 percent of the federal poverty level may qualify for NC Health Choice CHIP, covering routine care, dental, and vision at little to no cost.
Pregnant women in Scotland County may qualify for Medicaid at higher income thresholds than standard adult eligibility, ensuring prenatal and postpartum care remains accessible.
Scotland County's poverty rate of 26.6 percent indicates that a significant share of the county's population may be eligible for Medicaid or enhanced cost-sharing reductions on Marketplace plans.
Scotland County residents with disabilities or seniors with low income may qualify for dual eligibility under both Medicare and Medicaid, substantially reducing out-of-pocket healthcare costs.
Health Plans of NC licensed agents serve Scotland County residents at no cost, comparing every available plan side by side and guiding you through enrollment so you get the right coverage at the best available price. Call 800-797-0327 today to speak with a local agent who understands the Scotland County market and can help you find the plan that fits your needs and budget.
Call 800-797-0327 (toll free) or 704-303-8256 to speak with a licensed agent and schedule a free appointment
Email [email protected] with questions about plans available in Scotland County
Find a licensed agent and book directly at healthplansofnc.com/agents
No cost, no pressure. Health Plans of NC agents work for you, not the carrier.
Hospital | Address | Phone |
|---|---|---|
Atrium Health Anson | 2301 US Highway 74 W, Wadesboro, NC 28170 | (704) 994-4500 |
Betsy Johnson Hospital | 800 Tilghman Dr, Dunn, NC 28334 | (910) 892-1000 |
Cape Fear Valley Medical Ctr | 1638 Owen Dr, Fayetteville, NC 28304 | (910) 615-4000 |
Central Carolina Hospital | 1135 Carthage St, Sanford, NC 27330 | (919) 774-2100 |
Central Harnett Hospital | 215 Brightwater Dr, Lillington, NC 27546 | (910) 892-1000 |
Fayetteville VA Hosp Med Ctr | 2300 Ramsey St, Fayetteville, NC 28301 | (910) 488-2120 |
First Health Montgomery Meml | 520 Allen St, Troy, NC 27371 | (910) 571-5000 |
First Health Moore Regl Hosp-Hk | 6408 Fayetteville Rd, Raeford, NC 28376 | (910) 878-6000 |
First Health Moore Regl Hosp | 155 Memorial Dr, Pinehurst, NC 28374 | (910) 715-1000 |
First HealthMoore Regl Hosp | 925 S Long Dr, Rockingham, NC 28379 | (910) 417-3000 |
Highsmith-Rainey Spec Hosp | 150 Robeson St, Fayetteville, NC 28301 | (910) 615-1000 |
Hoke Hospital | 210 Medical Pavilion Dr, Raeford, NC 28376 | (910) 904-8000 |
Scotland Memorial Hospital | 500 Lauchwood Dr, Laurinburg, NC 28352 | (910) 291-7000 |
Womack Army Medical Ctr | 2817 Reilly St, Fort Bragg, NC 28310 | (910) 907-6000 |
Clinic | Address | Phone |
|---|---|---|
Alamance Ear Nose & Throat LLP | 4030 Oaks Professional Pkwy # 201, Burlington, NC 27215 | (336) 226-0660 |
Alamance Regional Medical Ctr | 1240 Huffman Mill Rd, Burlington, NC 27215 | (336) 538-7000 |
Alamance Regional Pain Clinic | 1236 Huffman Mill Rd # 2000, Burlington, NC 27215 | (336) 538-7180 |
Bethany Medical At North Main | 819 N Main St # 112, High Point, NC 27262 | (336) 289-2299 |
Bethany Medical At South Main | 2805 S Main St, High Point, NC 27263 | (336) 289-2727 |
Bethany Medical Ctr | 3604 Peters Ct, High Point, NC 27265 | (336) 883-0029 |
Bethany Medical Ctr | 3801 W Market St, Greensboro, NC 27407 | (336) 883-0029 |
Bethany Medical Ctr | 507 N Lindsay St, High Point, NC 27262 | (336) 883-0029 |
Central Carolina Health Ntwrk | 1 Centerview Dr # 202, Greensboro, NC 27407 | (336) 292-0665 |
Chapel Hill Obstetrics-Gynclgy | 6216 Fayetteville Rd, Durham, NC 27713 | (919) 942-8571 |
Clinical Choice | 7300 Cessna Dr, Greensboro, NC 27409 | (336) 550-4180 |
Cone Health Covid-19 Testing | 1238 Huffman Mill Rd, Burlington, NC 27215 | (336) 890-1140 |
Cone Health Covid-19 Testing | 1830 Lendew St, Greensboro, NC 27408 | (336) 890-1140 |
Cone Health Covid-19 Testing | 2363 Corporation Pkwy, Burlington, NC 27215 | (336) 890-1140 |
Cone Health Covid-19 Testing | 525 Maple Ave, Reidsville, NC 27320 | (336) 890-1140 |
Cone Health Covid-19 Testing | 617 S Main St, Reidsville, NC 27320 | (336) 890-1140 |
Cone Health Ctr For Maternal | 930 3rd St # 200, Greensboro, NC 27405 | (336) 890-3255 |
Cone Health Mebane Physical | 102 Medical Park Dr, Mebane, NC 27302 | (919) 304-5060 |
Cone Health Medcenter Mebane | 3940 Arrowhead Blvd # 110, Mebane, NC 27302 | (919) 568-7300 |
Cone Health Outpatient Rehab | 618 S Main St Inside Annie Pen, Reidsville, NC 27320 | (336) 951-4000 |
Cone Health Sleep Disorders | 509 N Elam Ave # 300-D, Greensboro, NC 27403 | (336) 832-0410 |
Cone Health Women's-Children's | 1121 N Church Street Entrance, Greensboro, NC 27401 | (336) 832-6500 |
Duke Cancer Ctr Acute Care | 20 Duke Medicine Cir, Durham, NC 27710 | (919) 668-6608 |
Duke Cancer Ctr Radiation | 20 Duke Medicine Cir, Durham, NC 27710 | (919) 660-2100 |
Duke Children's Health Ctr | 2301 Erwin Rd # 34ththfloor, Durham, NC 27705 | (919) 613-7777 |
Duke Health | 234 Crooked Creek Pkwy # 500, Durham, NC 27713 | (919) 684-3834 |
Duke Pediatric Dermatology | 5324 Mcfarland Rd # 410, Durham, NC 27707 | (919) 684-3432 |
Duke University Med Ctr Gen | , Durham, NC 27701 | (919) 684-2410 |
Duke University Med Ctr Gen | , Durham, NC 27710 | (919) 681-4722 |
Duke University Med Ctr Gen | PO Box 90950, Durham, NC 27708 | (919) 681-2020 |
Duke Wound Mgmt Clinic-Clinic | 40 Duke Medicine Cir, Durham, NC 27710 | (919) 684-3432 |
Health Center Of Hillsborough | 401 Meadowlands Dr # 101, Hillsborough, NC 27278 | (919) 241-5032 |
Lebauer Healthcare At Green | 709 Green Valley Rd, Greensboro, NC 27408 | (336) 547-1792 |
Lebauer Healthcare Grandover | 4023 Guilford College Rd, Greensboro, NC 27407 | (336) 890-2040 |
Lebauer Primary Care At Elam | 520 N Elam Ave, Greensboro, NC 27403 | (336) 547-1792 |
Renaissance Family Medicine | 2525c Phillips Ave, Greensboro, NC 27405 | (336) 832-7711 |
Sleep Disorders Ctr At | 1248 Huffman Mill Rd # 101, Burlington, NC 27215 | (866) 937-6692 |
UNC At Chapel Hill Medical Ctr | Cb 7010, Chapel Hill, NC 27599 | (919) 966-5136 |
UNC Hospitals Lab Hillsborough | 460 Waterstone Dr # Firstfloor, Hillsborough, NC 27278 | (919) 595-5970 |
UNC Hospitals Multispecialty | 101 Manning Dr # Firstfloor, Chapel Hill, NC 27514 | (984) 974-0150 |
University-NC-Health Care | 100 Sprunt St, Chapel Hill, NC 27517 | (919) 966-5500 |
Scotland County ZIP Codes include: 28343, 28351, 28352, 28353, and 28396
