in Union County
Monroe, North Carolina residents have access to a full range of Medicare coverage options for 2026, and Health Plans of NC agents are available at no cost to help locals compare every plan available through Blue Cross NC, including options that work with Novant Health Monroe Medical Center and Atrium Health Union Hospital.
Monroe, North Carolina is home to approximately 5,000 Medicare-eligible residents, representing 14.4% of the city's total population of 35,596, making access to quality Medicare coverage a critical priority for a significant share of the community. Both Atrium Health Union Hospital and Novant Health Monroe Medical Center accept Medicare and serve as primary care and specialty hubs for Union County seniors across multiple plan types. Monroe residents can choose from Medicare Advantage, Medicare Supplement, Part D prescription drug plans, and Dual Special Needs Plans, giving eligible beneficiaries several ways to structure their coverage.
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 | $40.00/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 Monroe, North Carolina offer bundled coverage that may include care at Atrium Health Union Hospital within a defined provider network.
Medicare Advantage HMO-POS plans in Monroe, North Carolina provide added flexibility to seek out-of-network care when needed, useful for seniors who may visit specialists beyond Union County.
Medicare Advantage PPO plans in Monroe, North Carolina allow beneficiaries to see providers like those at Novant Health Monroe Medical Center with or without a referral.
Medicare Supplement plans in Monroe, North Carolina pair with Original Medicare and allow access to any provider nationwide that accepts Medicare, including both major local health systems.
Part D Prescription Drug Plans in Monroe, North Carolina provide standalone drug coverage for beneficiaries who remain on Original Medicare or a Medicare Supplement plan.
Dual Special Needs Plans in Monroe, North Carolina are designed for residents who qualify for both Medicare and Medicaid, with networks that include local facilities serving lower-income seniors.
For 2026, Blue Cross NC offers eight Medicare plans to Monroe, North Carolina residents across zip codes 28110, 28112, and 28173, spanning HMO, HMO-POS, PPO, D-SNP, and standalone Part D plan types. Several plans carry a $0 monthly premium and include access to local providers such as Atrium Health Union Hospital and Novant Health Monroe Medical Center, while other plans offer enhanced benefits at a higher premium tier. Health Plans of NC agents can walk Monroe residents through each plan's network, benefits, and cost structure at no charge to help them select the best fit for their healthcare needs.
Blue Medicare Medical Only, HMO-POS, $0.00 per month, covers medical services through a local HMO-POS network that may include providers at Atrium Health Union Hospital.
Blue Medicare Essential, HMO, $0.00 per month, provides bundled Medicare Advantage coverage through a defined HMO network serving Union County facilities.
Blue Medicare Essential Plus, HMO-POS, $0.00 per month, adds HMO-POS flexibility so Monroe seniors can access care outside the primary network when medically necessary.
Blue Medicare Enhanced, HMO-POS, $40.00 per month, offers an elevated benefit tier within an HMO-POS network, suitable for Monroe residents who want richer coverage at a modest premium.
Blue Medicare PPO Enhanced, PPO, $53.00 per month, gives Monroe beneficiaries the freedom to visit providers like those at Novant Health Monroe Medical Center without a referral.
Blue Medicare Freedom+, HMO-POS, $0.00 per month, is a no-premium HMO-POS option that provides Monroe seniors with additional flexibility when seeking care across Union County.
Healthy Blue Medicare DSNP, HMO-POS, $0.00 per month, is a Dual Special Needs Plan for Monroe residents who are enrolled in both Medicare and Medicaid, with coordinated local care.
Blue Medicare Rx Enhanced PDP, standalone Part D prescription drug plan, $163.20 per month, provides drug coverage for Monroe beneficiaries who are on Original Medicare or a Medicare Supplement plan.
Monroe, North Carolina residents choosing a Medicare Advantage plan for 2026 can find options ranging from $0.00 per month for plans like Blue Medicare Essential and Blue Medicare Freedom+ to $53.00 per month for the Blue Medicare PPO Enhanced, making it possible for many seniors to reduce their overall healthcare spending compared to Original Medicare alone. Monroe's median household income of $67,265 means that while some residents may comfortably afford mid-tier plans, others may benefit from zero-premium options or financial assistance programs that further reduce costs. Health Plans of NC agents help Monroe residents calculate their total expected out-of-pocket costs across all available plans at no charge, so beneficiaries can find the most affordable path for their individual situation.
Part A: $0 premium for most Monroe, 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 Monroe, North Carolina for 2026, offering a total of 8 Medicare plans to eligible residents across the city's zip codes. These 8 plans span multiple structures including HMO, HMO-POS, PPO, a standalone Part D prescription drug plan, and a Dual Special Needs Plan, giving Monroe seniors a range of coverage frameworks to evaluate. Blue Cross NC networks in Monroe connect beneficiaries to local healthcare facilities including Atrium Health Union Hospital and Novant Health Monroe Medical Center, which serve as the primary care and specialty anchors for Union County Medicare enrollees. The plan type a Monroe resident selects directly affects which local doctors, specialists, and facilities they can access, making it essential to confirm that preferred providers participate in the plan's network before enrolling. Health Plans of NC agents compare every Blue Cross NC Medicare plan available in Monroe side-by-side at no cost, helping beneficiaries avoid coverage gaps and choose with confidence.
Blue Cross NC, offering HMO, HMO-POS, PPO, Part D PDP, and D-SNP plan types, with a total of 8 Medicare plans available in Monroe, North Carolina for 2026.
Monroe, North Carolina residents with limited income or 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 available to help qualifying Monroe seniors have their Part B premiums paid on their behalf by the state of North Carolina, significantly lowering monthly healthcare expenses. Monroe residents who qualify for both Medicare and Medicaid may be eligible for the Healthy Blue Medicare D-SNP, a Dual Special Needs Plan that coordinates benefits across both programs and includes access to local providers. With an uninsured rate of 17.8% and a poverty rate of 13.9% in Monroe, a meaningful share of the community may be eligible for one or more of these assistance programs, and Health Plans of NC agents can check eligibility at no cost.
Extra Help and the Low Income Subsidy can reduce Part D drug plan costs for Monroe, North Carolina residents who meet federal income and resource limits.
Medicare Savings Programs in North Carolina can cover Part B premiums for qualifying Monroe seniors, helping stretch limited household budgets throughout the year.
The Healthy Blue Medicare D-SNP is available to Monroe residents who are enrolled in both Medicare and Medicaid, offering coordinated care through a local HMO-POS network.
NC Medicaid may provide additional coverage for low-income Monroe residents who do not yet qualify for Medicare or who need supplemental benefits beyond Medicare alone.
Health Plans of NC agents assist Monroe, North Carolina residents in applying for Extra Help, Medicare Savings Programs, and D-SNP enrollment at absolutely no cost.
Health Plans of NC licensed agents serve Monroe, North Carolina residents at no cost, comparing every available 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 Union County providers and can help you find the right coverage for 2026.
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 Monroe, 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
Monroe, North Carolina ZIP Codes include: 28110, 28111, and 28112
