in Gaston County
Gastonia, North Carolina residents have access to 8 Medicare plans for 2026 through Blue Cross NC, and Health Plans of NC helps every eligible resident compare and enroll in the right coverage at absolutely no cost, including plans that work with Atrium Health Gaston.
In Gastonia, North Carolina, approximately 12,000 residents, representing 15.1% of the city's total population of 81,632, are eligible for Medicare coverage across several plan types. Atrium Health Gaston serves as a key local health system accepting Medicare beneficiaries throughout Gaston County, making network alignment a critical consideration when choosing a plan. Gastonia seniors can select from Medicare Advantage HMO, HMO-POS, and PPO plans, a Dual Special Needs Plan, and a standalone Part D prescription drug plan, giving eligible residents meaningful coverage flexibility.
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 | $30.00/month |
Blue Medicare PPO Enhanced | PPO | $35.00/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 Gastonia, North Carolina offer structured, coordinated care through in-network providers including those affiliated with Atrium Health Gaston.
Medicare Advantage HMO-POS plans in Gastonia, North Carolina allow some out-of-network access, providing more flexibility for beneficiaries who see specialists at Atrium Health Gaston facilities.
Medicare Advantage PPO plans in Gastonia, North Carolina offer the broadest network flexibility among Advantage plan types, useful for residents who travel or see multiple specialists.
Medicare Supplement (Medigap) plans in Gastonia, North Carolina work alongside Original Medicare to cover cost-sharing gaps, and beneficiaries may use any provider nationwide that accepts Medicare, including Atrium Health Gaston.
Part D Prescription Drug Plans in Gastonia, North Carolina provide standalone drug coverage for beneficiaries enrolled in Original Medicare or a Medicare Medical Only plan.
Dual Special Needs Plans (D-SNP) in Gastonia, North Carolina coordinate benefits for residents who qualify for both Medicare and Medicaid, often including additional support services through local health networks.
For 2026, Blue Cross NC offers eight Medicare plans to eligible residents of Gastonia, North Carolina, spanning HMO, HMO-POS, PPO, D-SNP, and standalone Part D prescription drug plan types. Each plan carries its own network structure and premium level, so beneficiaries should confirm that their preferred providers, including those within the Atrium Health Gaston system, participate in-network before enrolling. Health Plans of NC agents walk Gastonia residents through each plan's benefits, formulary, and local provider connections to ensure the best possible match.
Blue Medicare Medical Only, HMO-POS, $0.00 per month, designed for beneficiaries who want Medicare Advantage coverage without drug benefits, compatible with Atrium Health Gaston network providers.
Blue Medicare Essential, HMO, $0.00 per month, a fully integrated HMO plan offering coordinated care through a defined network that may include Atrium Health Gaston affiliated providers.
Blue Medicare Essential Plus, HMO-POS, $0.00 per month, adds point-of-service flexibility to the Essential plan structure, allowing limited out-of-network access for Gastonia beneficiaries.
Blue Medicare Enhanced, HMO-POS, $30.00 per month, offers an elevated benefit package with point-of-service access, suitable for Gastonia residents who want richer coverage and some network flexibility.
Blue Medicare PPO Enhanced, PPO, $35.00 per month, provides the broadest provider access among Blue Cross NC Advantage plans in Gastonia, useful for residents who frequently visit Atrium Health Gaston specialists.
Blue Medicare Freedom+, HMO-POS, $0.00 per month, combines zero premium with point-of-service access for Gastonia beneficiaries seeking cost-effective coverage with added flexibility.
Healthy Blue Medicare DSNP, HMO-POS, $0.00 per month, serves dual-eligible Gastonia residents enrolled in both Medicare and Medicaid, coordinating benefits across both programs.
Blue Medicare Rx Enhanced PDP, standalone Part D prescription drug plan, $163.20 per month, provides comprehensive drug coverage for Gastonia beneficiaries who remain in Original Medicare or a Medical Only plan.
In Gastonia, North Carolina for 2026, Medicare Advantage plan premiums through Blue Cross NC range from $0.00 per month for plans such as Blue Medicare Essential and Blue Medicare Freedom+ to $35.00 per month for Blue Medicare PPO Enhanced, making low-premium options accessible across a range of budgets. The standalone Blue Medicare Rx Enhanced PDP prescription drug plan carries a monthly premium of $163.20 for beneficiaries who need dedicated drug coverage outside of an Advantage plan. With a median household income of $60,554 in Gastonia, many residents may qualify for federal cost-reduction programs that lower or eliminate plan premiums and drug costs, and Health Plans of NC can assess eligibility at no cost.
Part A: $0 premium for most Gastonia, 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.
Blue Cross NC is the Medicare carrier serving Gastonia, North Carolina for 2026, with a total of 8 plans available to eligible residents across the area. These plans span multiple plan types including Health Maintenance Organization (HMO), HMO with Point-of-Service access (HMO-POS), Preferred Provider Organization (PPO), Dual Special Needs Plan (D-SNP), and standalone Part D prescription drug plans, giving Gastonia seniors a meaningful range of structures to evaluate. Blue Cross NC plan networks directly affect which local providers and facilities, including those within the Atrium Health Gaston system, are accessible at in-network benefit levels for Gastonia beneficiaries. Selecting a plan whose network includes preferred local specialists and hospital services is essential, because out-of-network care under certain plan types may result in significantly higher costs for Gastonia residents. Health Plans of NC licensed agents compare every available Blue Cross NC Medicare plan side by side for Gastonia residents at no cost, ensuring beneficiaries fully understand how each plan connects to their local healthcare providers before enrolling.
Blue Cross NC, offering HMO, HMO-POS, PPO, D-SNP, and standalone Part D prescription drug plans, with 8 total Medicare plans available to eligible residents in Gastonia, North Carolina for 2026.
Gastonia, North Carolina residents who have limited income and resources may qualify for the federal Extra Help program, also known as the Low Income Subsidy, which can reduce Part D prescription drug costs to near zero for eligible beneficiaries. Medicare Savings Programs are also available to help qualifying Gastonia residents cover Part B premiums and other cost-sharing obligations under Original Medicare. With an uninsured rate of 11.9% and a poverty rate of 14.3% in Gastonia, a significant portion of the community may be eligible for these programs and for Dual Special Needs Plans that coordinate Medicare and Medicaid benefits in a single plan. Health Plans of NC agents check eligibility for every available assistance program at no cost to Gastonia, North Carolina residents, helping those on fixed or limited incomes access the most affordable coverage possible.
Extra Help and the Low Income Subsidy can reduce or eliminate monthly Part D prescription drug plan premiums and copayments for qualifying Gastonia residents enrolled in Medicare.
Medicare Savings Programs may cover the standard Part B premium and reduce cost-sharing expenses for Gastonia beneficiaries who meet income and resource limits set by North Carolina.
The Healthy Blue Medicare DSNP plan serves Gastonia residents who qualify for both Medicare and Medicaid, coordinating benefits across both programs in a single, streamlined plan.
NC Medicaid may provide additional coverage and wraparound benefits for lower-income Gastonia residents who also qualify for Medicare, reducing overall healthcare expenses.
Health Plans of NC agents screen Gastonia, North Carolina residents for Extra Help, Medicare Savings Programs, and D-SNP eligibility at no cost, simplifying the application process.
Health Plans of NC licensed agents serve Gastonia, North Carolina residents at no cost, comparing every available Medicare plan side by side and assisting with enrollment, plan changes, and financial assistance applications throughout the year. Call 800-797-0327 today to speak with a local agent who understands Gastonia's Medicare landscape and can help you find the plan that best fits your health needs and budget.
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 Gastonia, 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
Gastonia, North Carolina ZIP Codes include: 28052, 28053, 28054, 28055, and 28056
