in Cabarrus County
Concord, North Carolina residents have access to 8 Medicare plans for 2026 through Blue Cross NC, and Health Plans of NC helps locals navigate every available option at absolutely no cost, connecting seniors with coverage that works alongside providers like Atrium Health Cabarrus and Novant Health.
Concord, North Carolina is home to approximately 12,000 Medicare-eligible residents, representing 11.4% of the city's total population of 106,518 in Cabarrus County. Local health systems including Atrium Health Cabarrus and Novant Health accept Medicare and provide comprehensive services ranging from cardiac care and cancer treatment to emergency and outpatient services. Concord seniors can choose from multiple Medicare coverage categories including Medicare Advantage, Medicare Supplement, standalone Part D prescription drug plans, and Dual Special Needs Plans for those who qualify for both Medicare and Medicaid.
Plan Name | Type | Monthly Premium |
|---|---|---|
Blue Medicare Medical Only | HMO-POS | $0.00/month |
Blue Medicare Essential | HMO | $0.00/month |
Blue Medicare Essential Plus | HMO-POS | $0.00/month |
Blue Medicare Enhanced | HMO-POS | $47.00/month |
Blue Medicare PPO Enhanced | PPO | $53.00/month |
Blue Medicare Freedom+ | HMO-POS | $0.00/month |
Healthy Blue Medicare (D-SNP) | HMO-POS | $0.00/month |
Blue Medicare Rx Enhanced PDP | PDP | $163.20/month |
Medicare Advantage HMO plans in Concord, North Carolina bundle hospital and medical coverage and work within provider networks that include Atrium Health Cabarrus facilities across Cabarrus County.
Medicare Advantage HMO-POS plans offer the flexibility to seek care outside the primary network in certain situations, connecting Concord residents to Novant Health and other participating providers.
Medicare Advantage PPO plans available in Concord, North Carolina allow seniors to visit both in-network and out-of-network providers, offering broader access to local and regional specialists.
Medicare Supplement plans, also called Medigap, work alongside Original Medicare to cover cost-sharing gaps and allow Concord seniors to use any provider nationwide that accepts Medicare, including Atrium Health Cabarrus.
Part D Prescription Drug Plans provide standalone coverage for medications and are available to Concord, North Carolina residents enrolled in Original Medicare who need help managing prescription costs.
Dual Special Needs Plans are available in Concord, North Carolina for residents who qualify for both Medicare and Medicaid, offering coordinated benefits through Blue Cross NC at no premium cost.
For 2026, Blue Cross NC offers eight Medicare plans in Concord, North Carolina, spanning HMO, HMO-POS, PPO, PDP, and D-SNP plan types to serve a wide range of healthcare needs and budgets. Each plan connects to local provider networks in Cabarrus County, with HMO and HMO-POS options requiring coordination through in-network facilities like Atrium Health Cabarrus and Novant Health, while the PPO option extends access to a broader range of regional providers. Concord seniors can choose from several zero-premium Medicare Advantage plans or select a plan with a modest monthly premium for enhanced benefits, with a standalone drug plan also available for those who prefer Original Medicare.
Blue Medicare Medical Only, HMO-POS, $0.00 per month, provides hospital and medical coverage through in-network providers including Atrium Health Cabarrus in Cabarrus County.
Blue Medicare Essential, HMO, $0.00 per month, bundles hospital and medical benefits into a single plan for Concord, North Carolina residents using Blue Cross NC in-network providers.
Blue Medicare Essential Plus, HMO-POS, $0.00 per month, offers the same core HMO benefits with added flexibility to access care outside the primary network when needed.
Blue Medicare Enhanced, HMO-POS, $47.00 per month, provides an elevated level of benefits for Concord seniors who want additional coverage beyond the zero-premium HMO-POS options.
Blue Medicare PPO Enhanced, PPO, $53.00 per month, gives Concord, North Carolina residents the ability to see both in-network and out-of-network providers, including specialists outside Cabarrus County.
Blue Medicare Freedom+, HMO-POS, $0.00 per month, is a zero-premium plan option that connects Concord seniors to Blue Cross NC provider networks including Atrium Health Cabarrus and Novant Health.
Healthy Blue Medicare DSNP, HMO-POS, $0.00 per month, is a Dual Special Needs Plan designed for Concord, North Carolina residents who are enrolled in both Medicare and Medicaid.
Blue Medicare Rx Enhanced PDP, standalone Part D prescription drug plan, $163.20 per month, provides drug coverage for Concord seniors enrolled in Original Medicare who need dedicated prescription benefits.
In Concord, North Carolina, 2026 Medicare Advantage plan premiums range from $0.00 per month for plans like Blue Medicare Essential, Blue Medicare Medical Only, Blue Medicare Essential Plus, Blue Medicare Freedom+, and Healthy Blue Medicare DSNP, to $47.00 per month for Blue Medicare Enhanced and $53.00 per month for Blue Medicare PPO Enhanced, giving seniors meaningful options across a wide cost spectrum. The standalone Blue Medicare Rx Enhanced prescription drug plan carries a monthly premium of $163.20 for Concord residents who choose to keep Original Medicare and add separate drug coverage. With a median household income of $84,752 in Concord, many seniors can manage standard Medicare plan costs, though those with lower incomes may qualify for programs that reduce or eliminate premiums and cost-sharing responsibilities, which Health Plans of NC can help identify at no cost.
Part A: $0 premium for most Concord, North Carolina residents who paid Medicare taxes for 10 or more years. The Part A hospital deductible is $1,736 in 2026.
Part B: $202.90 per month standard premium in 2026, an increase from $185.00 in 2025. Higher-income residents pay more through income-related monthly adjustment amounts.
Medicare Supplement (Medigap): $80 to $300 or more per month depending on plan letter and age, covers gaps not paid by Original Medicare.
For the 2026 plan year, Blue Cross NC is the Medicare carrier serving Concord, North Carolina, offering a total of 8 plans for eligible residents. These plans span HMO, HMO-POS, PPO, PDP, and D-SNP plan types, giving Concord seniors a full range of options to match their health priorities and coverage preferences. Blue Cross NC plan networks connect directly with major local health systems including Atrium Health Cabarrus and Novant Health, which together serve the majority of Medicare beneficiaries across Cabarrus County and surrounding areas. The plan type a Concord resident selects will directly determine which local specialists, hospitals, and outpatient facilities they can access under their coverage, making network verification an essential step before enrollment. Health Plans of NC licensed agents compare every Blue Cross NC Medicare plan available in Concord, North Carolina side by side at no cost, so seniors can make a fully informed enrollment decision.
Blue Cross NC, offering HMO, HMO-POS, PPO, PDP, and D-SNP plan types, with 8 total Medicare plans available to eligible residents of Concord, North Carolina for 2026.
Concord, North Carolina seniors with limited income and resources may qualify for Extra Help, also known as the Low Income Subsidy, which can reduce Part D prescription drug costs to near zero and lower plan premiums significantly. The Medicare Savings Program is available to eligible Concord residents and can cover the cost of the standard Part B premium, reducing the monthly financial burden for those who qualify based on income and assets. Concord, North Carolina has an uninsured rate of 8.3% and a poverty rate of 8.6%, meaning thousands of local residents may be eligible for financial assistance programs they have not yet applied for, including Dual Special Needs Plans that coordinate Medicare and Medicaid benefits into a single zero-premium plan. Health Plans of NC checks eligibility for all available assistance programs at no cost to Concord seniors and guides them through the application process to ensure they receive every benefit they have earned.
Extra Help and the Low Income Subsidy program can reduce or eliminate Part D prescription drug plan premiums and cost-sharing for eligible Concord, North Carolina Medicare beneficiaries.
The Medicare Savings Program may cover monthly Part B premiums for Concord, North Carolina residents who meet state income and asset thresholds set by NC Medicaid.
The Healthy Blue Medicare DSNP plan is available in Concord, North Carolina for residents who are enrolled in both Medicare and Medicaid and want coordinated, zero-premium coverage.
NC Medicaid provides additional financial support for low-income Concord residents, and eligibility can overlap with Medicare programs to further reduce out-of-pocket healthcare expenses.
Health Plans of NC agents help Concord, North Carolina seniors determine eligibility for every assistance program and complete enrollment at absolutely no cost to the beneficiary.
Health Plans of NC licensed agents serve Concord, North Carolina residents at no cost, comparing every available 2026 Medicare plan side by side to help seniors find the right coverage for their doctors, prescriptions, and budget. Call 800-797-0327 today to speak with a local agent who can guide you through enrollment, plan changes, and every assistance program available in Concord, North Carolina.
Call 800-797-0327 (toll free) or 704-303-8256 to speak with a licensed Medicare agent and schedule a free appointment
Email [email protected] with questions about Medicare plans available in Concord, North Carolina
Find a licensed agent and book directly at healthplansofnc.com/agents
No cost, no pressure. Walk-ins by appointment only, phone and email welcome anytime.
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
Concord, North Carolina ZIP Codes include: 28025, 28026, and 28027
