Live Worry-Free. Find the Right Medicare Plan in NC. in Ashe County
North Carolina
in North Carolina
Health Plans of NC helps Ashe County residents compare all 7 Medicare plans available through Blue Cross NC for 2026, including options from Ashe Memorial Hospital's local provider network, at no cost and with no obligation.
Ashe County is home to approximately 7,000 Medicare-eligible residents, representing about 27% of the county's total population of 26,831, making Medicare coverage a critical concern for a large share of this western North Carolina mountain community. Coverage options available in Ashe County span Medicare Advantage HMO and HMO-POS plans, a Dual Special Needs Plan, a standalone Part D prescription drug plan, and Medicare Supplement policies, all of which interact with local providers including Ashe Memorial Hospital at 200 Hospital Ave in Jefferson and affiliated Appalachian Regional clinics. Residents who require specialty or advanced care often travel to regional systems such as Atrium Health Wake Forest Baptist in Winston-Salem and Watauga Medical Center at 336 Deerfield Rd in Boone, making provider network access a key factor when selecting a plan.
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 | $47.00/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 through Blue Cross NC include local in-network access to Ashe Memorial Hospital at 200 Hospital Ave in Jefferson for routine and inpatient care.
Medicare Advantage HMO-POS plans through Blue Cross NC offer Ashe County residents added flexibility to seek care outside the network when visiting regional facilities such as Hugh Chatham Memorial Hospital at 180 Parkwood Dr in Elkin.
Part D Prescription Drug Plans provide standalone drug coverage for Ashe County residents who remain on Original Medicare and need help managing medication costs through a defined formulary.
Dual Special Needs Plans are available for Ashe County residents who qualify for both Medicare and Medicaid, coordinating benefits through a single plan linked to local and regional providers.
Medicare Supplement plans allow Ashe County seniors to visit any Medicare-accepting provider nationwide, including Northern Regional Hospital at 830 Rockford St in Mount Airy and Novant Health Forsyth Medical Center at 3333 Silas Creek Pkwy in Winston-Salem.
For 2026, Blue Cross NC offers seven Medicare plans to eligible Ashe County residents, covering HMO, HMO-POS, D-SNP, and standalone Part D structures with monthly premiums ranging from $0 to $163.20. These plans connect enrollees to local providers including Ashe Memorial Hospital in Jefferson and the Appalachian Regional clinic at 200 Hospital Ave, with HMO-POS structures offering some flexibility for visits to out-of-network regional facilities. Each plan differs in cost-sharing, formulary design, and network breadth, so comparing options carefully is essential for Ashe County residents who rely on both local and regional healthcare.
Blue Medicare Medical Only, HMO-POS, $0.00 per month, provides medical-only coverage with access to local providers at Ashe Memorial Hospital in Jefferson.
Blue Medicare Essential, HMO, $0.00 per month, offers bundled benefits through a defined network that includes Ashe Memorial Hospital and affiliated Appalachian Regional clinics.
Blue Medicare Essential Plus, HMO-POS, $0.00 per month, adds point-of-service flexibility for Ashe County residents who occasionally seek care at regional facilities outside the primary HMO network.
Blue Medicare Enhanced, HMO-POS, $47.00 per month, delivers enhanced benefits and expanded coverage options for Ashe County enrollees who want richer plan features beyond a basic $0 premium plan.
Blue Medicare Freedom+, HMO-POS, $0.00 per month, gives Ashe County residents access to a broad provider network with the flexibility of an HMO-POS structure at no monthly premium.
Healthy Blue Medicare DSNP, HMO-POS, $0.00 per month, serves Ashe County residents who are dual-eligible for both Medicare and Medicaid, coordinating all benefits through a single plan.
Blue Medicare Rx Enhanced PDP, standalone Part D, $163.20 per month, provides prescription drug coverage for Ashe County residents who keep Original Medicare and need a dedicated drug benefit.
Ashe County residents choosing a Medicare Advantage plan for 2026 can select from options priced at $0.00 per month for plans such as Blue Medicare Medical Only, Blue Medicare Essential, Blue Medicare Essential Plus, Blue Medicare Freedom+, and Healthy Blue Medicare DSNP, or $47.00 per month for Blue Medicare Enhanced, while standalone Part D coverage through Blue Medicare Rx Enhanced PDP is $163.20 per month. With a median household income of $50,827 in Ashe County, many residents may qualify for income-based programs such as Extra Help or Medicare Savings Programs that can substantially reduce out-of-pocket costs beyond the plan premium itself. Health Plans of NC agents can walk Ashe County residents through a side-by-side cost comparison of all available plans to identify the most affordable combination of premium, deductible, and copay structure for their individual situation.
Part A: $0 premium for most Ashe County 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 Ashe County for 2026, offering a total of 7 plans to eligible residents across HMO, HMO-POS, D-SNP, and standalone Part D plan structures. These plan types give Ashe County seniors multiple ways to build coverage around Original Medicare, from fully bundled Advantage plans to a dedicated prescription drug plan. The Blue Cross NC provider network for Medicare Advantage plans in Ashe County connects directly with Ashe Memorial Hospital at 200 Hospital Ave in Jefferson and the Appalachian Regional clinic at 200 Hospital Ave, making network participation a central consideration when selecting a plan. For Ashe County residents who rely on specialty care at Atrium Health Wake Forest Baptist in Winston-Salem or Novant Health Forsyth Medical Center in Winston-Salem, the plan type chosen determines whether those visits fall within network cost-sharing or trigger higher out-of-pocket expenses. Health Plans of NC agents compare every Blue Cross NC Medicare plan available in Ashe County side-by-side at no cost to the beneficiary.
Blue Cross NC: Medicare Advantage HMO, Medicare Advantage HMO-POS, Dual Special Needs Plan, and standalone Part D prescription drug plan, 7 total plans available in Ashe County for 2026.
Ashe County's uninsured rate of 12.1% and poverty rate of 14.1% reflect a community where Medicare financial assistance programs can make a meaningful difference in whether residents can afford consistent, quality coverage. Residents with limited income and resources may qualify for Extra Help, also called the Low Income Subsidy, which can reduce Part D prescription drug costs to near $0 for eligible enrollees. Medicare Savings Programs can cover all or part of the standard Part B premium for qualifying Ashe County seniors on fixed incomes, and the Healthy Blue Medicare DSNP plan is specifically designed for residents who are eligible for both Medicare and Medicaid. Health Plans of NC agents screen Ashe County residents for all available assistance programs at no cost and help with applications so that no one misses savings they have earned.
Extra Help and Low Income Subsidy programs can reduce monthly Part D prescription drug costs significantly for eligible Ashe County residents who meet income and resource limits.
Medicare Savings Programs may pay the standard Part B premium on behalf of qualifying Ashe County beneficiaries, reducing a major monthly expense for seniors on fixed incomes.
The Healthy Blue Medicare DSNP plan through Blue Cross NC is available for Ashe County residents who qualify for both Medicare and Medicaid, combining benefits into a single coordinated plan.
NC Medicaid may provide additional coverage for low-income Ashe County residents who do not yet qualify for Medicare or who need benefits that Medicare does not cover.
Health Plans of NC agents help Ashe County residents apply for Extra Help, Medicare Savings Programs, and D-SNP enrollment at no charge and with no pressure to enroll in any specific plan.
Health Plans of NC licensed agents serve residents across Ashe County, including Jefferson (28640), West Jefferson (28694), and Lansing (28643), comparing every available Medicare plan side-by-side at no cost and helping with enrollment, plan changes, and benefit questions at any time of year. Call 800-797-0327 today to speak with a local agent who can help you find the right Blue Cross NC Medicare plan 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 Ashe County
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.
Hospital | Address | Phone |
|---|---|---|
Alleghany Memorial Hospital | 233 Doctors St, Sparta, NC 28675 | (336) 372-5511 |
Ashe Memorial Hospital | 200 Hospital Ave, Jefferson, NC 28640 | (336) 846-7101 |
Atrium Health Wake Forest Bapt | 1 Medical Center Blvd, Winston Salem, NC 27157 | (336) 713-4500 |
Atrium Health Wake Forest Bapt | 1 Medical Center Blvd, Winston Salem, NC 27157 | (336) 716-2011 |
Atrium Health Wake Forest Bapt | 1370 W D St, North Wilkesboro, NC 28659 | (336) 651-8100 |
Atrium Health Wake Forest Bapt | Medical Center Blvd, Winston Salem, NC 27157 | (336) 716-2011 |
Atrium Health Wake Forrest | 250 Hospital Dr, Lexington, NC 27292 | (336) 248-5161 |
Davie Medical Ctr | 329 NC Highway 801 N, Bermuda Run, NC 27006 | (336) 998-1300 |
Hugh Chatham Memorial Hospital | 180 Parkwood Dr, Elkin, NC 28621 | (336) 527-7000 |
Lifebrite Community Hosp-Stks | 1570 NC 8 And 89 Hwy N, Danbury, NC 27016 | (336) 593-2831 |
Northern Regional Hospital | 830 Rockford St, Mount Airy, NC 27030 | (336) 719-7000 |
Novant Health Forsyth Med Ctr | 3333 Silas Creek Pkwy, Winston Salem, NC 27103 | (336) 718-5000 |
Novant Health Kernersville Med | 1750 Kernersville Medical Pkwy, Kernersville, NC 27284 | (336) 564-4000 |
Novant Health Med Park Hosp | 1950 S Hawthorne Rd, Winston Salem, NC 27103 | (336) 718-0785 |
Novant Health Rehab Hosp An | 2475 Hillcrest Center Cir, Winston Salem, NC 27103 | (336) 754-3500 |
Novant Health Thomasville Med | 207 Old Lexington Rd, Thomasville, NC 27360 | (336) 472-2000 |
Old Vineyard Behavioral Health | 3637 Old Vineyard Rd, Winston Salem, NC 27104 | (336) 794-3550 |
Stokes Reynolds Meml Hosp Inc | , Danbury, NC 27016 | (336) 593-5356 |
Watauga Medical Ctr | 336 Deerfield Rd, Boone, NC 28607 | (828) 262-4100 |
Clinic | Address | Phone |
|---|---|---|
Appalachian Regional | 194 Doctors Dr, Boone, NC 28607 | (828) 386-2663 |
Appalachian Regional | 200 Hospital Ave # 6, Jefferson, NC 28640 | (828) 386-2663 |
Atrium Health Wake Forest Bapt | 10 Medical Park Dr # 1, Lexington, NC 27292 | (336) 716-9253 |
Bethany Medical Ctr | 1908 Caudle Dr # 100, Mount Airy, NC 27030 | (336) 883-0029 |
Boone Urology Ctr | 400 Shadowline Dr # 103-104, Boone, NC 28607 | (828) 264-5150 |
Cone Health Medcenter Krnrsvll | 1635 N Carolina Highway 66 S, Kernersville, NC 27284 | (336) 992-5100 |
Cone Health Medcenter Krnrsvll | 1635 NC 66 S, Kernersville, NC 27284 | (336) 992-5100 |
Cone Health Outpatient Rehab | 1635 N Carolina 66 # 255, Kernersville, NC 27284 | (336) 992-4820 |
Department Of Emergency Med | Medical Center Blvd, Winston Salem, NC 27157 | (336) 716-4625 |
Harmony Center For Women | 381 Deerfield Rd, Boone, NC 28607 | (828) 268-8970 |
Hoots Memorial Hospital | , Yadkinville, NC 27055 | (336) 679-6728 |
Lexington Medical Ctr | 811 W Main St, Lexington, NC 27293 | (803) 936-7203 |
Lung Center | 870 State Farm Rd # 100, Boone, NC 28607 | (828) 386-2746 |
Novant Health Bariatric Sltns | 760 Highland Oaks Dr # 200, Winston Salem, NC 27103 | (336) 277-4380 |
Novant Health Ortho-Sports | 7138 Village Medical Cir, Clemmons, NC 27012 | (336) 893-2400 |
Sneak-A-Peek | 2501 Neudorf Rd, Clemmons, NC 27012 | (336) 247-5141 |
Thomasville Medical Ctr | 6233 Denton Rd, Thomasville, NC 27360 | (336) 476-2537 |
Wake Forest Bapt Health Davie | 329 N Carolina Highway 801 N, Bermuda Run, NC 27006 | (336) 998-1300 |
Watauga Medical Ctr Outpatient | 1200 State Farm Rd, Boone, NC 28607 | (828) 262-4153 |
WFU Baptist Medical Ctr | Medical Center Blvd, Winston Salem, NC 27157 | (336) 713-7700 |
WFU Baptist Medical Ctr | Orthopaedic Surgery, Winston Salem, NC 27157 | (336) 716-2093 |
WFUBMC | 1450 Professional Park Dr, Winston Salem, NC 27103 | (336) 659-2701 |
Wilkes Regional Med Ctr Axlry | 500 Courthouse Dr, Wilkesboro, NC 28697 | (336) 651-8100 |
Wilkes Regional Medical Ctr | 1370 W D St, North Wilkesboro, NC 28659 | (336) 651-8100 |
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
Ashe County ZIP Codes include: 28615, 28617, 28626, 28629, 28631, 28640, 28643, 28672, 28684, 28693, and 28694
