Blue Cross has a large network of providers, which means you have more options when it comes to choosing doctors and hospitals.
Blue Cross NC offers competitive pricing on Medicare plans, which can help you save money on healthcare costs.
There are two opportunities for everyone to switch plans: October 15 to December 7 and January 1 to March 31. Talk to an agent for additional information and exceptions.
Blue Cross offers wellness benefits, such as fitness programs and wellness coaching, to help you maintain your health and prevent illness.
Advantages include locking in rates, avoiding coverage gaps, wellness programs, and more.
All of our agents are based in North Carolina and are dedicated to serving the people of this state.
Government-Managed
À La Carte Coverage
Accepted Nationwide
Enjoy travel & like customization
Insurance Company-Managed
Bundled Coverage
Accepted within a Network
Want extra benefits & need a spending cap
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
in Cabarrus County
Concord, North Carolina is home to approximately 12,000 Medicare-eligible residents, representing 11.4% of the city's population of 106,518 in Cabarrus County. Local health systems including Atrium Health Cabarrus, Carolinas HealthCare System NorthEast, and Novant Health Rowan Medical Center provide comprehensive medical services that accept Medicare, covering everything from cardiac care and cancer treatment to emergency services. Health Plans of NC helps Concord residents navigate all available Medicare options at absolutely no cost, connecting seniors with the right coverage for their specific healthcare needs.
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 (Part C): Blue Medicare Essential, Blue Medicare Essential Plus, Blue Medicare Medical Only — often $0 premium
Medicare Advantage HMO-POS (Part C): Blue Medicare Enhanced — premium varies by county
Medicare Advantage PPO (Part C): Blue Medicare PPO Enhanced — premium varies by county
Medicare Advantage HMO — Blue Medicare Choice: $0 premium (available in select counties)
Medicare Supplement (Medigap): fills Original Medicare gaps, use any provider nationwide
Part D Prescription Drug Plans: Blue Medicare Rx Enhanced — standalone drug coverage
Dual Special Needs Plans (D-SNP): for those on both Medicare and Medicaid
BCBSNC Medicare plans available in Concord, North Carolina: Blue Medicare Essential (HMO) at $0/month, Blue Medicare Essential Plus (HMO-POS) at $0/month, Blue Medicare Medical Only (HMO-POS) at $0/month, Blue Medicare Rx Enhanced prescription drug plan at $163.20/month. Health Plans of NC compares every Medicare plan in your zip code at no cost.
Concord, North Carolina residents choosing between Medicare Advantage and Medicare Supplement plans must weigh factors like network restrictions, monthly premiums, and access to local providers such as Atrium Health Cabarrus and Carolinas HealthCare System NorthEast. Medicare Advantage plans through Blue Cross NC typically bundle hospital, medical, and often prescription drug coverage into a single plan, while Medicare Supplement plans work alongside Original Medicare to cover out-of-pocket costs with greater flexibility in choosing providers. With a median household income of $84,752 in Concord and an uninsured rate of 8.3%, selecting the right coverage type is an important financial and healthcare decision for local seniors.
Medicare Advantage plans through Blue Cross NC in Concord, North Carolina often feature low or $0 monthly premiums but require using in-network providers like Atrium Health Cabarrus.
Medicare Supplement plans in Concord, North Carolina allow seniors to visit any provider that accepts Medicare nationwide, including Novant Health Rowan Medical Center.
Medicare Advantage plans may include additional benefits such as dental, vision, and hearing coverage not available under Original Medicare alone.
Medicare Supplement plans in Concord, North Carolina typically carry higher monthly premiums ranging from $80 to $300 or more, but provide predictable out-of-pocket costs.
Concord residents enrolled in Medicare Advantage should confirm that their preferred specialists at Carolinas HealthCare System NorthEast are included in the Blue Cross NC plan network.
Health Plans of NC agents help Concord, North Carolina seniors compare both Medicare Advantage and Medicare Supplement options side by side to identify the best fit for their budget and health needs.
For the 2025 plan year, Blue Cross NC is the Medicare carrier serving Concord, North Carolina, offering a total of 8 Medicare plans for eligible residents to choose from. These plans span multiple coverage types including Medicare Advantage HMO, PPO, PFFS, and SNP options, as well as standalone Part D prescription drug plans, giving Concord seniors meaningful choices based on their healthcare priorities. Blue Cross NC plan networks interact directly with major local health systems including Atrium Health Cabarrus, Carolinas HealthCare System NorthEast, and Novant Health Rowan Medical Center, which together serve the bulk of Medicare beneficiaries across Cabarrus County. The plan type a Concord resident selects through Blue Cross NC will directly affect which local specialists, hospitals, and outpatient facilities they can access, making network verification an essential step before enrollment. Health Plans of NC licensed agents compare every available Medicare plan offered in Concord, North Carolina side by side at no cost, ensuring residents make an informed decision without pressure or fees. With approximately 12,000 Medicare-eligible residents in a city with a median household income of $84,752 and an uninsured rate of 8.3%, selecting the right Blue Cross NC plan is critical for both financial protection and reliable access to Concord's local healthcare system.
Blue Cross NC: the Medicare carrier offering 8 plans for Concord, North Carolina residents in the 2025 plan year
Medicare costs in Concord, North Carolina in 2025 follow standard federal benchmarks, though the right plan selection can significantly reduce a senior's total out-of-pocket exposure. With a median household income of $84,752 in Concord, many residents can manage standard Medicare premiums, but lower-income seniors may qualify for programs like Extra Help or the Medicare Savings Program to offset costs. Health Plans of NC agents help Concord residents evaluate all 8 available plans through Blue Cross NC to find the most cost-effective coverage for their individual situation.
Part A: $0 premium for most Concord, North Carolina residents who paid Medicare taxes for 10 or more years while working.
Part B: $185 per month standard premium in 2025, applicable to most Medicare-enrolled Concord, North Carolina residents.
Medicare Advantage in Concord, North Carolina: typically $0 to $100 or more per month in addition to the Part B premium, depending on the Blue Cross NC plan selected.
Medicare Supplement in Concord, North Carolina: monthly premiums generally range from $80 to $300 or more depending on the plan letter, age, and health status at enrollment.
Part D prescription drug plans: monthly premiums and cost sharing vary based on the formulary tier and the pharmacy used in or near Concord, North Carolina.
Extra Help and Low Income Subsidy programs may reduce Part D prescription drug costs to near $0 for eligible Concord, North Carolina residents who meet income and asset requirements.
Concord, North Carolina has approximately 12,000 Medicare-eligible residents who have access to 8 plans through Blue Cross NC for the 2025 plan year, and navigating those choices can be overwhelming without expert guidance. Major local health systems including Atrium Health Cabarrus, Carolinas HealthCare System NorthEast, and Novant Health Rowan Medical Center all serve Medicare beneficiaries across Cabarrus County's zip codes including 28025, 28027, 28075, 28081, and 28083, making provider network compatibility a key factor in plan selection. Health Plans of NC agents are licensed to serve Concord, North Carolina residents and will compare every available Medicare plan side by side at absolutely no cost, helping seniors find coverage that works with their preferred doctors and fits their budget. Whether you are newly eligible for Medicare or reviewing your current coverage during the Annual Enrollment Period, local help is available to ensure Concord seniors receive the full benefits they have earned.
Concord, North Carolina ZIP Codes include: 28025, 28026, and 28027
