Blue Cross has a large network of providers, which means you have more options when it comes to choosing doctors and hospitals.
Blue Cross NC offers competitive pricing on Medicare plans, which can help you save money on healthcare costs.
There are two opportunities for everyone to switch plans: October 15 to December 7 and January 1 to March 31. Talk to an agent for additional information and exceptions.
Blue Cross offers wellness benefits, such as fitness programs and wellness coaching, to help you maintain your health and prevent illness.
Advantages include locking in rates, avoiding coverage gaps, wellness programs, and more.
All of our agents are based in North Carolina and are dedicated to serving the people of this state.
Government-Managed
À La Carte Coverage
Accepted Nationwide
Enjoy travel & like customization
Insurance Company-Managed
Bundled Coverage
Accepted within a Network
Want extra benefits & need a spending cap
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
in Union County
Waxhaw, North Carolina is a charming town of approximately 21,565 residents, and around 2,000 of those residents, representing 8.9% of the population, are eligible for Medicare coverage. Seniors in Waxhaw can access top-quality medical care at nearby Atrium Health Union in Monroe, just a few miles away, and can choose from 8 Medicare plans available through Blue Cross NC in the area. Health Plans of NC agents help Waxhaw residents compare every available Medicare option at absolutely no cost, ensuring local seniors find the right coverage for their 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 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 (Part C): Blue Medicare Essential, Blue Medicare Essential Plus, Blue Medicare Medical Only — often $0 premium
Medicare Advantage HMO-POS (Part C): Blue Medicare Enhanced — premium varies by county
Medicare Advantage PPO (Part C): Blue Medicare PPO Enhanced — premium varies by county
Medicare Advantage HMO — Blue Medicare Choice: $0 premium (available in select counties)
Medicare Supplement (Medigap): fills Original Medicare gaps, use any provider nationwide
Part D Prescription Drug Plans: Blue Medicare Rx Enhanced — standalone drug coverage
Dual Special Needs Plans (D-SNP): for those on both Medicare and Medicaid
BCBSNC Medicare plans available in Waxhaw, North Carolina: Blue Medicare Essential (HMO) at $0/month, Blue Medicare Essential Plus (HMO-POS) at $0/month, Blue Medicare Medical Only (HMO-POS) at $0/month, Blue Medicare Rx Enhanced prescription drug plan at $163.20/month. Health Plans of NC compares every Medicare plan in your zip code at no cost.
Waxhaw, North Carolina seniors choosing between Medicare Advantage and Medicare Supplement plans face important trade-offs involving network flexibility, monthly premiums, and out-of-pocket costs, all of which can affect access to providers like Atrium Health Union in nearby Monroe. Blue Cross NC offers both Medicare Advantage and Medicare Supplement options in the Waxhaw area, giving residents meaningful choices depending on their health needs and financial situation. With a median household income of $128,115 in Waxhaw, many seniors are well-positioned to evaluate both plan types carefully, and a Health Plans of NC agent can walk through the differences at no cost.
Medicare Advantage plans through Blue Cross NC in Waxhaw, North Carolina often include extra benefits such as dental, vision, and hearing coverage not found in Original Medicare.
Medicare Supplement plans in Waxhaw, North Carolina allow seniors to visit any provider that accepts Medicare nationwide, including specialists beyond Union County.
Medicare Advantage plans in Waxhaw, North Carolina typically feature lower monthly premiums but may require referrals and network restrictions when accessing local providers.
Medicare Supplement plans in Waxhaw, North Carolina generally carry higher monthly premiums but offer more predictable out-of-pocket costs, which can matter greatly for seniors managing chronic conditions.
Waxhaw seniors who rely on Atrium Health Union in Monroe for surgery or rehabilitation services should verify that their chosen Medicare Advantage network includes that hospital before enrolling.
Health Plans of NC agents serving Waxhaw, North Carolina can compare Blue Cross NC Medicare Advantage and Medicare Supplement plans side by side at no cost to help seniors make a confident, informed decision.
In 2025, Blue Cross NC is the Medicare carrier serving Waxhaw, North Carolina, offering a total of 8 Medicare plans across the area's zip codes of 28173, 28174, and 28112. These plans span multiple Medicare plan types, including Medicare Advantage HMO, Medicare Advantage PPO, Private Fee-for-Service plans, Special Needs Plans, and Part D prescription drug plans, giving Waxhaw seniors a range of structures to consider based on their health and budget priorities. The network design of Blue Cross NC plans directly affects whether Waxhaw residents can access nearby providers like Atrium Health Union in Monroe, which offers emergency care, surgery, and rehabilitation services that many local seniors depend on. Selecting the right plan matters significantly in Waxhaw, because different plan types under Blue Cross NC may impose network restrictions or referral requirements that could limit access to preferred specialists in Union County and the surrounding region. Health Plans of NC agents are available to compare every one of the 8 available Medicare plans in Waxhaw side by side at no cost, ensuring local seniors are never navigating this process alone. With approximately 2,000 Medicare-eligible residents in Waxhaw and a median household income of $128,115, choosing a plan that aligns with both healthcare needs and financial goals is especially important in this growing Union County community.
Blue Cross NC: the Medicare carrier offering all 8 available Medicare plans in Waxhaw, North Carolina for the 2025 plan year.
Waxhaw, North Carolina residents considering Medicare in 2025 should understand both the standard federal cost benchmarks and the local financial context that shapes plan affordability. With a median household income of $128,115 in Waxhaw, many seniors are above the threshold for income-related premium adjustments, making plan selection especially important for managing total out-of-pocket spending. Waxhaw's low uninsured rate of 4.8% suggests strong coverage participation in the community, and Health Plans of NC agents can help local seniors identify cost-saving opportunities across all 8 available Medicare plans at no charge.
Part A: $0 premium for most Waxhaw, North Carolina residents who have paid Medicare taxes for 10 or more years during their working career.
Part B: $185 per month standard premium in 2025, applicable to most Waxhaw, North Carolina Medicare beneficiaries unless subject to income-related adjustments.
Medicare Advantage in Waxhaw, North Carolina: plans through Blue Cross NC typically range from $0 to $100 or more per month beyond the Part B premium, depending on plan type and benefits.
Medicare Supplement in Waxhaw, North Carolina: monthly premiums generally range from $80 to $300 or more depending on the specific plan letter, age, and health status at the time of enrollment.
Part D prescription drug plans: costs in Waxhaw, North Carolina vary based on the formulary, selected pharmacy, and whether the plan is standalone or bundled within a Medicare Advantage plan through Blue Cross NC.
Extra Help and Low Income Subsidy programs: eligible Waxhaw, North Carolina residents may qualify to reduce Part D drug costs to near $0, and a Health Plans of NC agent can help determine eligibility at no cost.
Waxhaw, North Carolina is a welcoming and tight-knit community in Union County, and the approximately 2,000 Medicare-eligible residents here deserve clear, local guidance when choosing from the 8 Medicare plans available through Blue Cross NC in 2025. Nearby Atrium Health Union in Monroe provides Waxhaw seniors with access to high-performing medical services including emergency care, surgery, and rehabilitation, making it essential that any Medicare plan chosen allows for seamless access to that facility. Health Plans of NC licensed agents serve Waxhaw, North Carolina residents across zip codes 28173, 28174, and 28112, comparing every available Medicare plan side by side at absolutely no cost to the beneficiary. Whether you are retiring in Waxhaw for its low cost of living, safe neighborhoods, or vibrant downtown, a Health Plans of NC agent can help you find Medicare coverage that fits your health needs and your budget.
Waxhaw, North Carolina ZIP Codes include: 28173
