in Mecklenburg County
Matthews, North Carolina residents have access to 9 Medicare plans for 2026 through Blue Cross NC, and Health Plans of NC licensed agents are available at no cost to help every local senior compare and enroll in the right coverage, with direct knowledge of providers like Novant Health Presbyterian Medical Center serving the area.
In Matthews, North Carolina, approximately 6,000 residents representing 19.6% of the total population of 29,959 are eligible for Medicare, and they can choose from several distinct coverage structures designed to meet a wide range of healthcare needs. Local health systems including Atrium Health Carolinas Medical Center and Novant Health Presbyterian Medical Center accept Medicare patients, making plan and network selection especially important for Matthews seniors who rely on these facilities. Coverage options available to Matthews residents span Medicare Advantage HMO, HMO-POS, and PPO plans, standalone Part D prescription drug plans, and a Dual Special Needs Plan 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 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 in Matthews, North Carolina provide coordinated care through in-network providers, including access to facilities affiliated with Atrium Health Carolinas Medical Center.
Medicare Advantage HMO-POS plans offer Matthews residents the flexibility to seek some out-of-network care while still coordinating primary services through local providers like Novant Health Presbyterian Medical Center.
Medicare Advantage PPO plans available in Matthews, North Carolina allow beneficiaries to see both in-network and out-of-network providers without a referral, giving broader access across Mecklenburg County.
Medicare Supplement (Medigap) plans in Matthews, North Carolina cover out-of-pocket costs left by Original Medicare and allow beneficiaries to use any provider nationwide that accepts Medicare, including all local hospitals.
Part D Prescription Drug Plans provide standalone drug coverage for Matthews residents enrolled in Original Medicare who need help managing medication costs at local pharmacies.
Dual Special Needs Plans (D-SNP) in Matthews, North Carolina are designed for residents who qualify for both Medicare and Medicaid, offering coordinated benefits through local health system networks.
For 2026, Blue Cross NC offers nine Medicare plans to residents of Matthews, North Carolina spanning multiple plan types including HMO, HMO-POS, PPO, PDP, and D-SNP structures, each connecting beneficiaries to local provider networks in and around Mecklenburg County. Several plans carry a $0 monthly premium beyond the standard Part B cost, while others include enhanced benefits at a modest additional premium, giving Matthews seniors meaningful choices based on their healthcare utilization and preferred providers. Health Plans of NC agents can walk Matthews residents through each plan's network, formulary, and benefits side-by-side at no cost to help identify the best fit.
Blue Medicare Medical Only, HMO-POS, $0.00 per month, provides hospital and medical coverage through an in-network structure with access to local Matthews area providers.
Blue Medicare Essential, HMO, $0.00 per month, offers bundled hospital and medical benefits coordinated through an HMO network serving the Matthews, North Carolina area.
Blue Medicare Essential Plus, HMO-POS, $0.00 per month, combines HMO coordination with some point-of-service flexibility for Matthews residents who occasionally need care outside the primary network.
Blue Medicare Choice, HMO, $0.00 per month, delivers comprehensive Medicare Advantage coverage through an HMO network available to eligible Matthews, North Carolina residents.
Blue Medicare Enhanced, HMO-POS, $30.00 per month, includes enhanced benefits beyond the base HMO-POS structure and connects Matthews beneficiaries to a broad local provider network.
Blue Medicare PPO Enhanced, PPO, $35.00 per month, gives Matthews, North Carolina residents the flexibility to see both in-network and out-of-network providers without requiring a referral.
Blue Medicare Freedom+, HMO-POS, $0.00 per month, provides Matthews residents with HMO-POS coverage that may include added benefits such as dental, vision, or wellness programs.
Healthy Blue Medicare DSNP, HMO-POS, $0.00 per month, is a Dual Special Needs Plan for Matthews residents who are enrolled in both Medicare and Medicaid, offering coordinated benefits through local networks.
Blue Medicare Rx Enhanced PDP, standalone Part D prescription drug plan, $163.20 per month, provides drug coverage for Matthews residents enrolled in Original Medicare who need a separate prescription benefit.
In Matthews, North Carolina for 2026, Medicare Advantage plan premiums through Blue Cross NC range from $0.00 per month for plans like Blue Medicare Essential, Blue Medicare Choice, Blue Medicare Freedom+, and Healthy Blue Medicare DSNP, up to $30.00 per month for Blue Medicare Enhanced and $35.00 per month for Blue Medicare PPO Enhanced, while the standalone Blue Medicare Rx Enhanced PDP carries a monthly premium of $163.20. With a median household income of $105,579, many Matthews residents may not qualify for income-based subsidy programs, making careful plan comparison critical to controlling overall healthcare costs. Health Plans of NC agents help Matthews seniors evaluate the full cost picture for each plan, including copays, deductibles, and drug formulary tiers, at absolutely no cost.
Part A: $0 premium for most Matthews, 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 offering plans to residents of Matthews, North Carolina, with a total of 9 plans available across the 28104, 28105, and 28106 zip codes. These plans span multiple coverage structures including Medicare Advantage HMO, HMO-POS, PPO, a standalone Part D prescription drug plan, and a Dual Special Needs Plan, giving Matthews seniors a comprehensive range of options to consider. Blue Cross NC plan networks are built to interact with the local healthcare infrastructure in and around Matthews, connecting beneficiaries to facilities and specialists throughout the Mecklenburg County corridor. The plan type a Matthews resident selects directly affects which specialists and facilities they can access without referrals or elevated out-of-pocket costs, making it essential to match plan structure to individual provider relationships. Health Plans of NC compares every one of the 9 available Blue Cross NC Medicare plans side-by-side for Matthews residents at no cost, ensuring fully informed enrollment decisions.
Blue Cross NC: offers Medicare Advantage HMO, HMO-POS, PPO, Part D PDP, and D-SNP plans, with 9 total Medicare plans available to residents of Matthews, North Carolina for 2026.
Matthews, North Carolina residents who have 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 $0 per month and lower copayments for covered medications. The Medicare Savings Program can help eligible Matthews seniors have their Part B premiums paid on their behalf by the state of North Carolina, providing significant annual savings for those who qualify based on income and asset limits. Residents who are enrolled in both Medicare and Medicaid may be eligible for the Healthy Blue Medicare DSNP, a Dual Special Needs Plan that coordinates benefits across both programs through a local provider network. Matthews, North Carolina has an uninsured rate of 6.3% and a poverty rate of 4.0%, and Health Plans of NC checks eligibility for all available assistance programs at no cost to help ensure every resident has access to the coverage they need.
Extra Help (Low Income Subsidy) can significantly reduce or eliminate Part D prescription drug plan premiums and copayments for qualifying Matthews, North Carolina residents.
The Medicare Savings Program may cover Part B premium costs for eligible Matthews seniors, reducing monthly out-of-pocket expenses tied to Original Medicare.
The Healthy Blue Medicare DSNP is available to Matthews, North Carolina residents who qualify for both Medicare and Medicaid, offering coordinated benefits through a single plan.
NC Medicaid may provide additional coverage and cost assistance for low-income Matthews residents who meet state eligibility requirements alongside Medicare.
Health Plans of NC licensed agents check eligibility for all financial assistance programs at no cost, helping Matthews residents apply and enroll with confidence.
Health Plans of NC licensed agents serve Matthews, North Carolina residents at absolutely no cost, comparing every available 2026 Medicare plan side-by-side and guiding beneficiaries through enrollment, plan changes, and financial assistance applications. Call 800-797-0327 today to speak with a local agent who understands the Matthews, North Carolina Medicare landscape and can help you find the right coverage for 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 Matthews, 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
Matthews, North Carolina ZIP Codes include: 28104, 28105, and 28106
