Live Worry-Free. Find the Right Medicare Plan in NC. in Cabarrus County
North Carolina
in North Carolina
Cabarrus County, NC residents have access to 8 Medicare plans for 2026 through Blue Cross NC, and Health Plans of NC licensed agents can compare every available option at no cost, helping locals find coverage that works with providers like Atrium Health Cabarrus and Novant Health.
Cabarrus County, NC is home to approximately 31,000 Medicare-eligible residents, representing 13.4% of the county's total population of 231,262, and those residents can choose from several distinct Medicare coverage categories for 2026. Both Atrium Health Cabarrus in Concord and Novant Health facilities across the region participate in Medicare, giving county seniors access to a broad network of hospitals, primary care providers, and specialists. Coverage options range from Medicare Advantage plans with built-in drug and extra benefits to standalone Part D drug plans, Medicare Supplement policies, 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 Enhanced | HMO-POS | $47.00/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 are available in Cabarrus County and connect enrollees to the Atrium Health Cabarrus network for coordinated, in-network care.
Medicare Advantage HMO-POS plans offer slightly more flexibility than standard HMOs, allowing Cabarrus County residents to access some out-of-network providers including those within the broader Atrium Health regional system.
Medicare Advantage PPO plans are available in Cabarrus County and give enrollees the freedom to see both in-network providers like Atrium Health Cabarrus and out-of-network providers, including Novant Health facilities.
Medicare Supplement (Medigap) plans are available to Cabarrus County residents and allow seniors to visit any Medicare-accepting provider nationwide, including Atrium Health Cabarrus and Novant Health, without network restrictions.
Part D Prescription Drug Plans are available as standalone coverage for Cabarrus County residents on Original Medicare or a Medicare Supplement plan, helping cover medications filled at local pharmacies.
A Dual Special Needs Plan (D-SNP) is available in Cabarrus County for residents who qualify for both Medicare and Medicaid, coordinating benefits across both programs with access to local Atrium Health providers.
Blue Cross NC offers 8 Medicare plans in Cabarrus County for 2026, spanning HMO, HMO-POS, PPO, D-SNP, and standalone Part D drug plan types, with several options carrying $0 monthly premiums. Plans like Blue Medicare Freedom+ and Blue Medicare Essential connect enrollees to the Atrium Health Cabarrus network and the broader Atrium Health regional system for coordinated care across the greater Charlotte area. The Blue Medicare PPO Enhanced plan provides access to both Atrium Health and Novant Health providers, making it a strong option for Cabarrus County residents who see specialists across multiple health systems.
Blue Medicare Medical Only, HMO-POS, $0.00 per month, provides Medicare Advantage coverage connected to the Atrium Health Cabarrus network in Concord.
Blue Medicare Essential, HMO, $0.00 per month, offers coordinated in-network care through Atrium Health Cabarrus and affiliated primary care clinics across Cabarrus County.
Blue Medicare Essential Plus, HMO-POS, $0.00 per month, adds point-of-service flexibility to standard HMO coverage, connecting members to Atrium Health and select out-of-network providers.
Blue Medicare Enhanced, HMO-POS, $47.00 per month, includes enhanced benefits beyond basic Medicare Advantage coverage with access to the Atrium Health regional network.
Blue Medicare PPO Enhanced, PPO, $53.00 per month, provides access to both in-network providers like Atrium Health Cabarrus and out-of-network providers including Novant Health facilities.
Blue Medicare Freedom+, HMO-POS, $0.00 per month, offers additional flexibility for Cabarrus County residents who want HMO-POS access to the Atrium Health system at no additional premium.
Healthy Blue Medicare DSNP, HMO-POS, $0.00 per month, is a Dual Special Needs Plan designed for Cabarrus County residents who are enrolled in both Medicare and Medicaid, coordinating care through Atrium Health.
Blue Medicare Rx Enhanced PDP, standalone Part D prescription drug plan, $163.20 per month, provides drug coverage for Cabarrus County residents on Original Medicare or a Medicare Supplement plan filling prescriptions at local pharmacies.
In Cabarrus County for 2026, Medicare Advantage plan premiums from Blue Cross NC range 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, giving residents meaningful choices across a wide premium range. The standalone Blue Medicare Rx Enhanced PDP carries a monthly premium of $163.20 for residents who need prescription drug coverage without a Medicare Advantage plan. With a county median household income of $86,084, many Cabarrus County seniors can evaluate both $0-premium Advantage plans and higher-premium Supplement options, while those closer to program income thresholds may qualify for subsidies that reduce costs further.
Part A: $0 premium for most Cabarrus 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 Cabarrus County for 2026, offering all 8 available Medicare plans in the county across HMO, HMO-POS, PPO, D-SNP, and standalone Part D prescription drug plan types. The Blue Cross NC Medicare Advantage networks in Cabarrus County include access to Atrium Health Cabarrus in Concord, the broader Atrium Health regional system spanning hospitals and specialty clinics across the greater Charlotte area, and Novant Health facilities accessible through PPO options. The plan type a Cabarrus County resident selects directly determines which local hospitals, specialists, and facilities they can access without incurring out-of-network costs, making the choice between HMO, HMO-POS, and PPO especially important for residents who see providers across multiple health systems. Residents who prefer the flexibility of Original Medicare paired with a Medigap policy can use any Medicare-accepting provider, including both Atrium Health Cabarrus and Novant Health, without network concerns. Health Plans of NC licensed agents compare every available Medicare plan in Cabarrus County side by side at no cost and with no obligation, helping residents match coverage to their specific providers and care needs.
Blue Cross NC, offering Medicare Advantage HMO, HMO-POS, and PPO plans, a Dual Special Needs Plan, a standalone Part D prescription drug plan, and Medicare Supplement policies, with 8 total plans available in Cabarrus County for 2026.
Cabarrus County residents with 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 and is available regardless of whether a resident is enrolled in a standalone PDP or a Medicare Advantage plan with drug coverage. The Medicare Savings Program can cover the Part B premium entirely for qualifying residents, and Cabarrus County's poverty rate of 8.9% and uninsured rate of 7.8% indicate that a meaningful portion of the county's population may benefit from these programs. Residents who qualify for both Medicare and Medicaid may be eligible for the Healthy Blue Medicare DSNP, a Dual Special Needs Plan available in Cabarrus County that coordinates benefits across both programs at no additional premium. Health Plans of NC licensed agents can check eligibility for all financial assistance programs at no cost and help qualifying residents enroll in the right plan.
Extra Help (Low Income Subsidy) can reduce Part D prescription drug costs to near $0 for Cabarrus County residents who meet federal income and resource limits.
The Medicare Savings Program may cover Part B premiums in full for qualifying Cabarrus County residents, eliminating a significant ongoing monthly expense.
The Healthy Blue Medicare DSNP is available in Cabarrus County at $0 per month for residents who qualify for both Medicare and Medicaid, providing coordinated dual-benefit coverage.
NC Medicaid may cover additional healthcare costs for low-income Cabarrus County residents and can work alongside Medicare to minimize out-of-pocket expenses.
Health Plans of NC agents check eligibility for Extra Help, Medicare Savings Programs, and D-SNP enrollment at no cost, guiding Cabarrus County residents through every step of the application process.
Health Plans of NC licensed agents serve Cabarrus County residents at no cost and with no obligation, comparing all 8 available Medicare plans side by side to help you find coverage that fits your providers, prescriptions, and budget. Call 800-797-0327 today to speak with an agent who specializes in Cabarrus County Medicare options and can assist with enrollment, plan changes, and financial assistance applications.
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 Cabarrus 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 |
|---|---|---|
Atrium Health Cabarrus | 920 Church St N, Concord, NC 28025 | (704) 403-3000 |
Atrium Health Cleveland | 201 E Grover St, Shelby, NC 28150 | (980) 487-3000 |
Atrium Health Kings Mountain | 706 W King St, Kings Mountain, NC 28086 | (980) 487-5000 |
Atrium Health Lincoln | 433 Mcalister Rd, Lincolnton, NC 28092 | (980) 212-2000 |
Atrium Health Pineville | 10628 Park Rd, Charlotte, NC 28210 | (704) 667-1000 |
Atrium Health Stanly | 301 Yadkin St, Albemarle, NC 28001 | (704) 984-4000 |
Atrium Health Union West Hosp | 1000 Healing Way, Matthews, NC 28104 | (800) 821-1535 |
Atrium Health Union | 600 Hospital Dr, Monroe, NC 28112 | (980) 993-3100 |
Atrium Health University City | 8800 N Tryon St, Charlotte, NC 28262 | (704) 863-6000 |
Atrium Health Waxhaw | 2700 Providence Rd S, Waxhaw, NC 28173 | (704) 667-6800 |
Atrium Health's Carolinas Med | 1000 Blythe Blvd, Charlotte, NC 28203 | (704) 355-2000 |
Carolinas Continue Care Hosp | 10648 Park Rd, Charlotte, NC 28210 | (704) 667-8050 |
Carolinas Continuecare Hosp | 8800 N Tryon St # 4, Charlotte, NC 28262 | (704) 863-8300 |
Carolinas Healthcare Syst | 501 Billingsley Rd, Charlotte, NC 28211 | (704) 444-2400 |
Carolinas Rehabilitation | 1100 Blythe Blvd, Charlotte, NC 28203 | (704) 355-4300 |
Caromont Regional Medical Ctr | 2525 Court Dr, Gastonia, NC 28054 | (704) 834-2000 |
Catawba Valley Medical Ctr | 810 Fairgrove Church Rd, Hickory, NC 28602 | (828) 326-3000 |
Davis Regional Medical Ctr | 218 Old Mocksville Rd, Statesville, NC 28625 | (704) 873-0281 |
Frye Regional Medical Ctr | 420 N Center St # 20, Hickory, NC 28601 | (828) 315-5000 |
Iredell Memorial Hospital | 557 Brookdale Dr, Statesville, NC 28677 | (704) 873-5661 |
Jeff Gordon Children's Ctr | 920 Church St N, Concord, NC 28025 | (704) 403-3000 |
Lake Norman Regional Med Ctr | 171 Fairview Rd, Mooresville, NC 28117 | (704) 660-4000 |
Levine Children's Hospital | 1000 Blythe Blvd, Charlotte, NC 28203 | (704) 381-2000 |
Novant Health Charlotte Ortho | 1901 Randolph Rd, Charlotte, NC 28207 | (704) 316-2000 |
Novant Health Hemby Children's | 200 Hawthorne Ln, Charlotte, NC 28204 | (704) 384-4021 |
Novant Health Huntersville Med | 10030 Gilead Rd, Huntersville, NC 28078 | (704) 316-4000 |
Novant Health Matthews Med Ctr | 1500 Matthews Township Pkwy, Matthews, NC 28105 | (704) 384-6500 |
Novant Health Mint Hl Med Ctr | 8201 Healthcare Loop, Charlotte, NC 28215 | (980) 302-1000 |
Novant Health Presbyterian Med | 200 Hawthorne Ln, Charlotte, NC 28204 | (704) 384-4000 |
Novant Health Rowan Med Ctr | 612 Mocksville Ave, Salisbury, NC 28144 | (704) 210-5000 |
WG Hefner Salisbury Dept | 1601 Brenner Ave, Salisbury, NC 28144 | (704) 638-9000 |
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
Cabarrus County ZIP Codes include: 28025, 28026, 28027, 28075, 28081, 28082, 28083, 28107, and 28124
