Live Worry-Free. Find the Right Medicare Plan in NC. in Caldwell County
North Carolina
in North Carolina
Health Plans of NC helps Caldwell County, NC residents compare all available Medicare plans for 2026 at no cost, with licensed agents who know the local providers and health systems serving this region of western North Carolina, including Caldwell UNC Health Care in Lenoir.
Caldwell County, North Carolina has approximately 17,000 Medicare-eligible residents, representing 21.2% of the county's total population of 80,618, all of whom have access to multiple Medicare coverage types for 2026. Local health systems including Caldwell UNC Health Care at 321 Mulberry St SW in Lenoir and Atrium Health accept Medicare and serve as anchor providers for the region, with nearby facilities such as UNC Health Blue Ridge in Morganton and the Levine Cancer Institute at Blue Ridge in Connelly Springs also serving Caldwell County beneficiaries. Coverage options available to Caldwell County residents include Medicare Advantage plans in HMO, HMO-POS, and PPO formats, standalone Part D prescription 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 Caldwell County and typically include access to Caldwell UNC Health Care in Lenoir as a primary in-network provider.
Medicare Advantage HMO-POS plans offer point-of-service flexibility for Caldwell County residents who may occasionally need care outside the primary network, such as at regional facilities in Morganton.
Medicare Advantage PPO plans are available in Caldwell County and allow beneficiaries to see both in-network and out-of-network providers, including specialists at Asheville Cardiology Associates and Asheville Orthopaedic Associates.
Medicare Supplement (Medigap) plans work alongside Original Medicare and allow Caldwell County residents to access any Medicare-accepting provider nationwide, including Mission Hospital in Asheville and UNC Health Blue Ridge in Morganton.
Part D Prescription Drug Plans are available as standalone coverage for Caldwell County residents who remain on Original Medicare or a Medicare Supplement plan and need prescription drug benefits.
Dual Special Needs Plans (D-SNP) are available in Caldwell County for residents who qualify for both Medicare and Medicaid, providing coordinated benefits through a single plan tied to local health systems.
Blue Cross NC offers eight Medicare plans in Caldwell County for 2026, spanning HMO, HMO-POS, PPO, standalone Part D, and D-SNP plan types, with several carrying $0 monthly premiums that make coverage accessible for a wide range of beneficiaries. Each plan connects to a network of local and regional providers, with Caldwell UNC Health Care in Lenoir, Happy Valley Medical Center in Lenoir, and the Levine Cancer Institute at Blue Ridge in Connelly Springs among the facilities that may be included depending on the specific plan selected. Beneficiaries should review each plan's formulary and provider directory carefully to confirm their preferred doctors, hospitals, and medications are covered before enrolling.
Blue Medicare Medical Only, HMO-POS, $0.00 per month, provides hospital and medical coverage through a local network that may include Caldwell UNC Health Care in Lenoir.
Blue Medicare Essential, HMO, $0.00 per month, offers a structured in-network plan for Caldwell County residents who primarily use providers affiliated with the Blue Cross NC HMO network.
Blue Medicare Essential Plus, HMO-POS, $0.00 per month, adds point-of-service flexibility to the Essential plan structure, allowing some out-of-network access for Caldwell County beneficiaries who need regional care.
Blue Medicare Enhanced, HMO-POS, $47.00 per month, provides enhanced benefits with point-of-service flexibility and may include access to specialists at facilities such as Atrium Health locations in the Morganton area.
Blue Medicare PPO Enhanced, PPO, $53.00 per month, gives Caldwell County residents the broadest provider access among Advantage plans, including the ability to see out-of-network providers at Mission Hospital in Asheville or UNC Health Blue Ridge in Morganton.
Blue Medicare Freedom+, HMO-POS, $0.00 per month, combines a $0 premium with point-of-service access options for Caldwell County residents who want flexibility without an added monthly cost.
Healthy Blue Medicare DSNP, HMO-POS, $0.00 per month, is a Dual Special Needs Plan for Caldwell County residents enrolled in both Medicare and Medicaid, coordinating benefits through local health systems including Caldwell UNC Health Care.
Blue Medicare Rx Enhanced PDP, standalone Part D, $163.20 per month, provides prescription drug coverage for Caldwell County residents on Original Medicare or a Medigap plan who need a separate drug benefit tied to preferred local pharmacies.
Caldwell County residents choosing Medicare Advantage plans for 2026 can select from options ranging from $0.00 per month for plans such as Blue Medicare Essential and Blue Medicare Freedom+ up to $53.00 per month for the Blue Medicare PPO Enhanced, giving beneficiaries meaningful flexibility based on their budget and provider preferences. With a median household income of $55,401 in Caldwell County, many residents may qualify for Extra Help, Medicare Savings Programs, or other cost-reduction programs that can significantly lower their monthly premiums and out-of-pocket expenses. Health Plans of NC licensed agents review every available plan side-by-side at no cost to help Caldwell County residents identify the most affordable option that still covers their preferred local providers and prescriptions.
Part A: $0 premium for most Caldwell 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 Caldwell County residents in 2026, offering a total of eight plans across multiple coverage types in this region of western North Carolina. The plan types available through Blue Cross NC in Caldwell County include HMO, HMO-POS, PPO, a standalone Part D prescription drug plan, and a Dual Special Needs Plan, giving beneficiaries a wide range of structures to fit their healthcare habits and financial situation. Blue Cross NC carrier networks in Caldwell County are built around local and regional health systems, and plan networks may include Caldwell UNC Health Care in Lenoir, Atrium Health facilities in the area, UNC Health Blue Ridge in Morganton, and the Levine Cancer Institute at Blue Ridge in Connelly Springs, depending on the specific plan selected. The carrier and plan a beneficiary chooses directly affects which hospitals, primary care providers, and specialists they can access at in-network rates, making careful plan selection especially important for seniors who rely on both local Caldwell County providers and regional specialists. Health Plans of NC licensed agents compare every Blue Cross NC Medicare plan available in Caldwell County side-by-side at no cost, helping beneficiaries evaluate networks, formularies, and premiums specific to their zip code.
Blue Cross NC, plan types offered include HMO, HMO-POS, PPO, standalone Part D (PDP), and D-SNP, with a total of eight plans available in Caldwell County for 2026.
Caldwell 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 to those whose income and assets fall within federal program thresholds. Medicare Savings Programs administered through NC Medicaid can cover Part B premiums and other cost-sharing expenses for qualifying Caldwell County residents, providing substantial financial relief for those on fixed incomes. With a poverty rate of 12.7% and an uninsured rate of 11.3% in Caldwell County, a meaningful portion of the local population may be eligible for these assistance programs, including the Healthy Blue Medicare DSNP for residents enrolled in both Medicare and Medicaid. Health Plans of NC licensed agents check eligibility for all available financial assistance programs at no cost, helping Caldwell County residents access every benefit they qualify for before selecting a plan.
Extra Help (Low Income Subsidy) can reduce or eliminate Part D prescription drug premiums and copays for Caldwell County residents who meet federal income and resource limits.
Medicare Savings Programs through NC Medicaid may cover Part B premiums entirely for qualifying Caldwell County residents, freeing up significant monthly income for other expenses.
The Healthy Blue Medicare DSNP is available to Caldwell County residents enrolled in both Medicare and Medicaid, providing coordinated benefits through a single $0-premium plan with access to local health systems.
NC Medicaid may provide additional coverage and cost-sharing assistance for low-income Caldwell County residents who do not yet qualify for Medicare or who need benefits beyond what Medicare covers.
Health Plans of NC licensed agents help Caldwell County residents apply for Extra Help, Medicare Savings Programs, and D-SNP enrollment at no cost and with no sales pressure.
Health Plans of NC licensed agents serve Caldwell County residents at no cost, comparing every available Medicare plan side-by-side and helping with enrollment, plan changes, and financial assistance applications with no sales pressure. Call 800-797-0327 today to speak with a local Medicare expert who understands the providers, health systems, and plan options available in Caldwell County.
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 Caldwell 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 |
|---|---|---|
Adventhealth Hendersonville | 100 Hospital Dr, Hendersonville, NC 28792 | (828) 684-8501 |
Asheville Specialty Hospital | 428 Biltmore Ave # 4, Asheville, NC 28801 | (828) 213-5400 |
Asheville VA Medical Ctr | 1100 Tunnel Rd, Asheville, NC 28805 | (828) 298-7911 |
Blue Ridge Regional Hospital | 125 Hospital Dr, Spruce Pine, NC 28777 | (828) 765-4201 |
Broughton Hospital | 1000 S Sterling St, Morganton, NC 28655 | (828) 433-2111 |
Caldwell UNC Health Care | 321 Mulberry St SW, Lenoir, NC 28645 | (828) 757-5100 |
Charles A Cannon Jr Meml Hosp | 434 Hospital Dr, Newland, NC 28657 | (828) 737-7000 |
Forum Health Asheville | 1312 Patton Ave, Asheville, NC 28806 | (828) 252-9833 |
Mission Children's Hospital | 11 Vanderbilt Park Dr, Asheville, NC 28803 | (828) 213-1740 |
Mission Hospital Mcdowell | 430 Rankin Dr, Marion, NC 28752 | (828) 659-5000 |
Mission Hospital | 509 Biltmore Ave, Asheville, NC 28801 | (828) 213-1111 |
Pardee UNC Health Care | 800 N Justice St, Hendersonville, NC 28791 | (828) 696-1000 |
St Luke's Hospital | 101 Hospital Dr, Columbus, NC 28722 | (828) 894-3311 |
St Lukes Hospital | 101 Hospital Dr, Columbus, NC 28722 | (828) 894-3311 |
UNC Health Blue Ridge | 2201 S Sterling St, Morganton, NC 28655 | (828) 580-5000 |
UNC Health Care Blue Ridge | 720 Malcolm Blvd, Valdese, NC 28690 | (828) 580-7640 |
Clinic | Address | Phone |
|---|---|---|
AMCHC | 225 Patton Ave # 200, Asheville, NC 28801 | (828) 412-5315 |
Apex Brain Ctr | 600 Julian Ln # 650, Arden, NC 28704 | (828) 708-5274 |
Asheville Cardiology Assoc-MRN | 472 Rankin Dr # Entrance3, Marion, NC 28752 | (828) 652-0005 |
Asheville Cardiology Assoc | 189 Hospital Dr # 2ndfloor, Spruce Pine, NC 28777 | (828) 274-6000 |
Asheville Cardiology Assoc | 387 US 70 W, Marion, NC 28752 | (828) 274-6000 |
Asheville Cardiology Assoc | 589 Peniel Rd, Columbus, NC 28722 | (828) 274-6000 |
Asheville Children's Med Ctr | 7 Vanderbilt Park Dr # 100a, Asheville, NC 28803 | (828) 258-0969 |
Asheville Orthopaedic Assoc | 1 Hospital Dr, Asheville, NC 28801 | (828) 252-7331 |
Asheville Orthopaedic Assoc | 2315 Asheville Hwy, Hendersonville, NC 28791 | (828) 782-9330 |
Asheville Orthopaedic Assoc | 472 Rankin Dr # Entrance3, Marion, NC 28752 | (828) 252-7331 |
Atrium Health At Hm-Hm Med | 141 Fiddlers Run Blvd, Morganton, NC 28655 | (828) 879-9050 |
Atrium Health At Home | 141 Fiddlers Run Blvd, Morganton, NC 28655 | (828) 580-6450 |
Atrium Health Shelby Women's | 446 N Carolina 108, Rutherfordton, NC 28139 | (980) 487-2570 |
Blue Ridge Med Ctr Mayland | , Spruce Pine, NC 28777 | (828) 765-4113 |
Blue Ridge Med Ctr Yancy Cmps | 800 Medical Campus Dr, Burnsville, NC 28714 | (828) 682-0200 |
Blue Ridge Med Ctr-Yancey Cmps | 125 Hospital Dr, Spruce Pine, NC 28777 | (828) 765-4201 |
Carolina Spine & Neurosurgery | 2315 Asheville Hwy, Hendersonville, NC 28791 | (828) 255-7776 |
Carolinas Healthcare Syst Blue | 1766 Connelly Springs Rd, Lenoir, NC 28645 | (828) 728-8224 |
Carolinas Medical Ctr At Hm | 141 Fiddlers Run Blvd, Morganton, NC 28655 | (828) 580-6441 |
Catawba Valley Medical Ctr | 309 S College St, Morganton, NC 28655 | (828) 326-3803 |
Fastmed Family Medicine | 160 Hendersonville Rd, Asheville, NC 28803 | (828) 210-2835 |
Gastroenterology-Mission | 11 Vanderbilt Park Dr # 2, Asheville, NC 28803 | (828) 213-1740 |
Happy Valley Medical Ctr | 1345 NC Highway 268, Lenoir, NC 28645 | (828) 754-6850 |
Keys Of Hope Medical Ctr | 295 Carson St # K, Marion, NC 28752 | (828) 659-6334 |
Levine Cancer Inst-Blue Ridge | 720 Malcolm Blvd, Connelly Springs, NC 28612 | (828) 580-7536 |
Mars Hill Medical Ctr | 119 Mountain View Rd, Mars Hill, NC 28754 | (828) 689-3507 |
Mauzy-Phillips Ctr | 125 Hospital Dr, Spruce Pine, NC 28777 | (828) 766-3555 |
Mission Children's Outpatient | 11 Vanderbilt Park Dr, Asheville, NC 28803 | (828) 213-1740 |
Mission Children's Specialists | 11 Vanderbilt Prk Dr # 2ndfloor, Asheville, NC 28803 | (828) 213-1740 |
Mission Community Medicine-Brk | 149 W Parker Rd, Morganton, NC 28655 | (828) 433-4933 |
Mission Community Medicine-Nb | 339 Nebo School Rd, Nebo, NC 28761 | (828) 652-6326 |
Mission Community Orthopedics | 189 Hospital Dr # 2ndfloor, Spruce Pine, NC 28777 | (828) 766-3555 |
Mission Community Urological | 189 Hospital Dr # 2ndfloor, Spruce Pine, NC 28777 | (828) 766-3555 |
Mission Health Ctr Highway 70 | 387 US 70 W, Marion, NC 28752 | (828) 652-6386 |
Mission Health Ctr Sugar Hill | 1633 Sugar Hill Rd, Marion, NC 28752 | (828) 652-7776 |
Mission Health Mauzy-Phillips | 189 Hospital Dr # 2ndfloor, Spruce Pine, NC 28777 | (828) 766-3555 |
Mission Health Partners | 50 Schenck Pkwy, Asheville, NC 28803 | (828) 213-3250 |
Mission Hospital-Smoking | 1 Hospital Dr, Asheville, NC 28801 | (828) 213-5527 |
Mission Hospital-St Joseph | 428 Biltmore Ave, Asheville, NC 28801 | (828) 213-1111 |
Mission Medical Oncology | 430 Rankin Dr # Entrance3, Marion, NC 28752 | (800) 506-2550 |
Mission Neurology Svc | 509 Biltmore Ave, Asheville, NC 28801 | (828) 213-1439 |
Mission Neurology-Outpatient | 1 Hospital Dr # 3200, Asheville, NC 28801 | (828) 213-9530 |
Mission Orthopedic Trauma Svc | 1 Hospital Dr # 4200, Asheville, NC 28801 | (828) 213-1994 |
Mission Outpatient Svc Sugar | 1633 Sugar Hill Rd # Entranceb, Marion, NC 28752 | (828) 252-7331 |
Mission St Joseph's Health | 890 Hendersonville Rd, Asheville, NC 28803 | (828) 274-7026 |
Mission Urology-Asheville | 1 Hospital Dr # 4100, Asheville, NC 28801 | (828) 254-8883 |
Mission Urology-Mcdowell | 472 Rankin Dr # Entrance3, Marion, NC 28752 | (828) 659-5700 |
Mission Weight Management | 1 Hospital Dr # 3400, Asheville, NC 28801 | (828) 213-4100 |
Mission Women's Care-Spruce Pn | 189 Hospital Dr # 2ndfloor, Spruce Pine, NC 28777 | (828) 766-3555 |
Mission Workwell-Medical Park | 2 Medical Park Dr # 102, Asheville, NC 28803 | (828) 213-9600 |
Occupational Medicine Ctr | 288 S Ridgecrest Ave, Rutherfordton, NC 28139 | (828) 286-5508 |
Sloop Medical Office Plaza | 436 Hospital Dr, Newland, NC 28657 | (828) 733-0280 |
Stonecreek Health & Rehab LLC | 455 Victoria Rd, Asheville, NC 28801 | (828) 225-3829 |
Surgical Specialist-Carolina | 1998 Hendersonville Rd # 40, Asheville, NC 28803 | (828) 585-2575 |
Valdese Patient Svc Ctr | 730 Malcolm Blvd # 160, Rutherford College, NC 28671 | (828) 580-7456 |
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
Caldwell County ZIP Codes include: 28611, 28630, 28633, 28638, 28645, 28661, and 28667
