in Mecklenburg County
Huntersville, North Carolina residents have access to 9 Medicare plans for 2026 through Blue Cross NC, and Health Plans of NC licensed agents are available to compare every option at no cost, helping local seniors find coverage that works with providers like Novant Health Huntersville Medical Center.
Huntersville, North Carolina has a population of 62,458, with approximately 8,000 Medicare-eligible residents representing 13.0% of the city, all of whom can access a range of Medicare coverage types for 2026. Local health systems including Atrium Health Carolinas Medical Center and Novant Health Presbyterian Medical Center accept Medicare, giving Huntersville seniors strong access to hospital-based and specialist care. Coverage options available to Huntersville residents span Medicare Advantage HMO, HMO-POS, and PPO plans, a Dual Special Needs Plan, and a standalone Part D prescription drug plan, providing meaningful choices across different care and budget 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 Choice | HMO | $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 are available in Huntersville, North Carolina and typically require care to be coordinated through a defined network that includes area providers affiliated with local health systems.
Medicare Advantage HMO-POS plans give Huntersville, North Carolina seniors the option to seek some out-of-network care while still benefiting from lower in-network cost-sharing at facilities like Novant Health Presbyterian Medical Center.
Medicare Advantage PPO plans in Huntersville, North Carolina offer greater flexibility to see specialists and out-of-network providers, which is useful for seniors who travel or need care across the greater Charlotte area.
Medicare Supplement (Medigap) plans are available to Huntersville, North Carolina residents and allow beneficiaries to use any provider that accepts Medicare nationwide, including both Atrium Health and Novant Health facilities.
Part D Prescription Drug Plans provide standalone drug coverage for Huntersville, North Carolina residents enrolled in Original Medicare or a Medicare Supplement plan, with formularies that vary by plan.
Dual Special Needs Plans (D-SNP) are available in Huntersville, North Carolina for residents who qualify for both Medicare and Medicaid, offering coordinated care benefits through local provider networks.
For 2026, Blue Cross NC offers 9 Medicare plans to Huntersville, North Carolina residents, spanning HMO, HMO-POS, PPO, D-SNP, and Part D prescription drug plan types, each with its own premium structure and network configuration. Several plans carry $0 monthly premiums beyond the standard Part B cost, while others offer enhanced benefits at modest premium amounts, giving seniors flexibility to match coverage to their individual health needs and provider preferences. Each plan's network determines access to local providers and facilities, so Huntersville residents should confirm that their preferred doctors and hospitals participate before enrolling.
Blue Medicare Medical Only, HMO-POS, $0.00 per month, provides access to in-network providers within the Blue Cross NC local provider network serving the Huntersville area.
Blue Medicare Essential, HMO, $0.00 per month, offers coordinated care through a defined HMO network that includes primary care and specialist providers in Mecklenburg County.
Blue Medicare Essential Plus, HMO-POS, $0.00 per month, gives Huntersville seniors the flexibility of an HMO-POS structure while maintaining a $0 monthly premium.
Blue Medicare Choice, HMO, $0.00 per month, is available to eligible Huntersville, North Carolina residents and includes access to in-network primary care and referral-based specialist services.
Blue Medicare Enhanced, HMO-POS, $30.00 per month, provides an upgraded benefit package within the HMO-POS network for Huntersville residents seeking additional coverage features.
Blue Medicare PPO Enhanced, PPO, $35.00 per month, allows Huntersville, North Carolina beneficiaries to see both in-network and out-of-network providers, offering the broadest provider access among the Advantage plans.
Blue Medicare Freedom+, HMO-POS, $0.00 per month, is designed for Huntersville seniors who want HMO-POS flexibility with no additional monthly premium cost.
Healthy Blue Medicare DSNP, HMO-POS, $0.00 per month, is a Dual Special Needs Plan for Huntersville residents who qualify for both Medicare and Medicaid, offering coordinated benefits through the Blue Cross NC network.
Blue Medicare Rx Enhanced PDP, standalone Part D prescription drug plan, $163.20 per month, provides drug coverage for Huntersville residents enrolled in Original Medicare or a Medigap plan who need a separate formulary.
In 2026, Huntersville, North Carolina residents can choose from Medicare Advantage plans ranging from $0.00 per month for plans like Blue Medicare Essential and Blue Medicare Freedom+ up to $35.00 per month for Blue Medicare PPO Enhanced, making several options accessible at little to no additional premium cost. The standalone Blue Medicare Rx Enhanced PDP carries a monthly premium of $163.20, which Huntersville seniors pairing a Medigap plan with drug coverage should factor into their total annual budget. With a median household income of $119,951 in Huntersville, many residents may not qualify for income-based subsidies on their own, but Health Plans of NC agents can still review eligibility for cost-reduction programs that are based on income thresholds rather than overall wealth.
Part A: $0 premium for most Huntersville, 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 2026, Blue Cross NC is the Medicare carrier serving Huntersville, North Carolina, offering a total of 9 plans to local beneficiaries across multiple plan structures. Those plan types include Medicare Advantage HMO, HMO-POS, and PPO options, a Dual Special Needs Plan, and a standalone Part D prescription drug plan, giving seniors a broad range of coverage architectures to evaluate. The Blue Cross NC provider network directly determines which local facilities, including those affiliated with Atrium Health Carolinas Medical Center and Novant Health Presbyterian Medical Center, are accessible at in-network cost-sharing levels for Huntersville plan enrollees. Selecting an HMO plan versus a PPO plan, for example, meaningfully affects whether Huntersville residents can see specialists across the broader Charlotte-Concord-Gastonia area without a referral or higher out-of-pocket costs. Health Plans of NC agents compare every available Medicare plan in Huntersville side by side at no cost, making it easier for seniors to evaluate how each carrier's network aligns with their provider relationships and care needs.
Blue Cross NC, offering Medicare Advantage HMO, HMO-POS, and PPO plans, a D-SNP, and a standalone Part D prescription drug plan, with a total of 9 plans available to Huntersville, North Carolina residents for 2026.
Huntersville, North Carolina has an uninsured rate of 5.3% and a poverty rate of 3.4%, and while those figures reflect a relatively stable community, some residents still face challenges affording Medicare premiums, deductibles, and drug costs without additional support. The federal Extra Help program, also called the Low Income Subsidy, can reduce or eliminate Part D drug costs for qualifying Huntersville beneficiaries, and Medicare Savings Programs can cover some or all of the standard Part B premium for those who meet income and asset limits. Residents who qualify for both Medicare and Medicaid may be eligible for the Healthy Blue Medicare D-SNP, which coordinates benefits across both programs and can significantly reduce total out-of-pocket exposure. Health Plans of NC agents help Huntersville, North Carolina residents check eligibility for all available assistance programs at no cost, ensuring no senior misses a benefit they are entitled to receive.
Extra Help, also known as the Low Income Subsidy, reduces Part D prescription drug plan costs for Huntersville, North Carolina residents who meet federal income and asset guidelines.
Medicare Savings Programs can cover some or all of the standard Part B premium for qualifying Huntersville, North Carolina beneficiaries, freeing up monthly budget for other expenses.
The Healthy Blue Medicare D-SNP is available to Huntersville residents who are enrolled in both Medicare and Medicaid, providing coordinated benefits through the Blue Cross NC network at $0 per month.
NC Medicaid may provide additional coverage for low-income Huntersville residents who qualify, including services that Original Medicare or Medicare Advantage plans do not fully cover.
Health Plans of NC agents assist Huntersville, North Carolina residents in applying for Extra Help, Medicare Savings Programs, and D-SNP enrollment at absolutely no cost to the beneficiary.
Health Plans of NC licensed agents serve Huntersville, North Carolina residents at no cost, comparing every available 2026 Medicare plan side by side to help seniors find coverage that fits their health needs, preferred providers, and budget. Call 800-797-0327 today to speak with an agent who can guide you through plan selection, confirm enrollment deadlines, and assist with any plan changes you need to make.
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 Huntersville, 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
Huntersville, North Carolina ZIP Codes include: 28070 and 28078
