in Rowan County
Salisbury, North Carolina residents have access to 8 Medicare plans for 2026 through Blue Cross NC, and Health Plans of NC helps locals compare every option at no cost, connecting them with coverage that fits their providers at Novant Health Rowan Medical Center and Atrium Health.
Salisbury, North Carolina is home to approximately 6,000 Medicare-eligible residents, representing 17.5% of the city's total population of 35,730, making access to quality Medicare coverage a top priority for a significant portion of the community. Seniors in Salisbury benefit from local healthcare infrastructure including Novant Health Rowan Medical Center, a 268-bed facility offering emergency care, cancer care, and women's health services, as well as Atrium Health serving residents across Rowan County. Available coverage types range from Medicare Advantage HMO and HMO-POS plans to PPO options, standalone Part D prescription drug plans, and Dual Special Needs Plans designed for residents 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 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 Salisbury, North Carolina provide network-based coverage with access to providers within the Blue Cross NC network, including local Rowan County facilities.
Medicare Advantage HMO-POS plans in Salisbury, North Carolina offer the flexibility to seek care outside the primary network in certain circumstances, connecting residents to Novant Health Rowan Medical Center and Atrium Health.
Medicare Advantage PPO plans in Salisbury, North Carolina allow beneficiaries to visit both in-network and out-of-network providers, offering broader access for those who travel or use specialists in Charlotte or Winston-Salem.
Medicare Supplement (Medigap) plans in Salisbury, North Carolina pair with Original Medicare to cover gaps such as copays and deductibles, allowing beneficiaries to see any provider nationwide that accepts Medicare.
Part D Prescription Drug Plans in Salisbury, North Carolina provide standalone drug coverage for residents who remain on Original Medicare and want to add prescription benefits through a separate plan.
Dual Special Needs Plans (D-SNP) in Salisbury, North Carolina are designed specifically for residents eligible for both Medicare and Medicaid, coordinating benefits across both programs for comprehensive coverage.
For 2026, Blue Cross NC offers eight Medicare plans in Salisbury, North Carolina, spanning HMO, HMO-POS, PPO, PDP, and D-SNP plan types to meet a range of healthcare and budget needs. Each plan connects beneficiaries to the Blue Cross NC provider network, which includes local facilities such as Novant Health Rowan Medical Center and Atrium Health, as well as specialists in the broader Rowan County region. Health Plans of NC helps Salisbury residents evaluate each plan's benefits, formulary, and network fit before enrollment.
Blue Medicare Medical Only, HMO-POS, $0.00 per month, provides medical and hospital coverage through the Blue Cross NC network with access to Novant Health Rowan Medical Center and Atrium Health in Salisbury, North Carolina.
Blue Medicare Essential, HMO, $0.00 per month, bundles medical and hospital benefits into a single zero-premium plan for Salisbury, North Carolina residents who prefer a traditional HMO structure with coordinated care.
Blue Medicare Essential Plus, HMO-POS, $0.00 per month, adds point-of-service flexibility to the Essential plan structure, allowing Salisbury, North Carolina beneficiaries to access care outside the primary network when needed.
Blue Medicare Enhanced, HMO-POS, $40.00 per month, offers an elevated benefit tier with additional coverage features for Salisbury, North Carolina residents who want enhanced benefits beyond the zero-premium options.
Blue Medicare PPO Enhanced, PPO, $53.00 per month, provides the broadest network access of the Advantage plans available in Salisbury, North Carolina, including out-of-network coverage for beneficiaries who see specialists in Charlotte or Winston-Salem.
Blue Medicare Freedom+, HMO-POS, $0.00 per month, delivers a zero-premium HMO-POS option for Salisbury, North Carolina residents seeking plan flexibility and access to the Blue Cross NC provider network.
Healthy Blue Medicare DSNP, HMO-POS, $0.00 per month, is designed for Salisbury, North Carolina residents who qualify for both Medicare and Medicaid, coordinating benefits across both programs at no additional monthly premium.
Blue Medicare Rx Enhanced PDP, Prescription Drug Plan, $163.20 per month, provides standalone prescription drug coverage for Salisbury, North Carolina residents who prefer to keep Original Medicare and add Part D drug benefits separately.
In 2026, Salisbury, North Carolina residents can choose from Medicare Advantage plans with premiums ranging from $0.00 per month for plans like Blue Medicare Essential, Blue Medicare Medical Only, Blue Medicare Essential Plus, Blue Medicare Freedom+, and Healthy Blue Medicare DSNP, up to $40.00 per month for Blue Medicare Enhanced and $53.00 per month for Blue Medicare PPO Enhanced. The standalone Blue Medicare Rx Enhanced PDP carries a monthly premium of $163.20 for residents who add prescription drug coverage to Original Medicare. With a median household income of $51,058 in Salisbury, North Carolina, many residents may qualify for federal programs that reduce Medicare costs, and Health Plans of NC can help determine eligibility at no cost.
Part A: $0 premium for most Salisbury, 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 Salisbury, North Carolina, offering a total of 8 Medicare plans to eligible residents in the area. These plans span multiple plan types, including HMO, HMO-POS, PPO, standalone Prescription Drug Plans (PDP), and a Dual Special Needs Plan (D-SNP) for residents with both Medicare and Medicaid eligibility. The Blue Cross NC network in Salisbury, North Carolina is structured to include access to key local providers such as Novant Health Rowan Medical Center and Atrium Health, and beneficiaries should confirm their preferred physicians and specialists are in-network before enrolling. Plan choice directly affects which local hospitals, specialist offices, and outpatient facilities a beneficiary can visit at the lowest cost, making careful comparison essential for Salisbury residents who also access care in neighboring communities like China Grove, Landis, and Rockwell within Rowan County. Health Plans of NC agents compare every available Medicare plan side-by-side at no cost to Salisbury, North Carolina residents, helping each beneficiary identify the plan that best aligns with their providers, prescriptions, and coverage needs.
Blue Cross NC, offering HMO, HMO-POS, PPO, PDP, and D-SNP plan types, with a total of 8 Medicare plans available to residents of Salisbury, North Carolina for 2026.
Salisbury, North Carolina has an uninsured rate of 9.7% and a poverty rate of 24.3%, meaning a substantial share of residents may qualify for federal and state programs that reduce Medicare costs. The Extra Help program, also known as the Low Income Subsidy, can reduce Part D prescription drug costs to near zero for qualifying Salisbury, North Carolina residents with limited income and resources. Medicare Savings Programs are available to help cover Part B premiums for those who meet income thresholds, and the Healthy Blue Medicare DSNP plan serves residents who qualify for both Medicare and Medicaid by coordinating benefits across both programs. Health Plans of NC checks eligibility for all available assistance programs at no cost to Salisbury, North Carolina residents, helping them access every benefit they have earned.
Extra Help (Low Income Subsidy) can significantly reduce Part D prescription drug premiums and cost-sharing for qualifying Salisbury, North Carolina Medicare beneficiaries with limited income and resources.
Medicare Savings Programs in North Carolina may cover Part B premiums and other out-of-pocket costs for Salisbury residents who meet federal and state income eligibility requirements.
The Healthy Blue Medicare DSNP is available in Salisbury, North Carolina for residents who qualify for both Medicare and Medicaid, coordinating comprehensive benefits across both programs at no additional premium.
NC Medicaid provides additional coverage options for low-income Salisbury, North Carolina residents who may not yet qualify for Medicare or who need supplemental assistance alongside their existing Medicare benefits.
Health Plans of NC licensed agents help Salisbury, North Carolina residents apply for Extra Help, Medicare Savings Programs, and D-SNP enrollment at no cost, ensuring no eligible beneficiary misses available financial assistance.
Health Plans of NC licensed agents serve Salisbury, North Carolina residents at no cost, comparing all 8 available Medicare plans side-by-side and guiding beneficiaries through enrollment, plan changes, and financial assistance applications. Call 800-797-0327 today to speak with a local Medicare expert who can help you find the right plan for your providers, prescriptions, 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 Salisbury, 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
Salisbury, North Carolina ZIP Codes include: 28144, 28145, 28146, and 28147
