Live Worry-Free. Find the Right Medicare Plan in NC. in Cleveland County
North Carolina
in North Carolina
Cleveland County, NC residents have access to 8 Medicare plans for 2026 through Blue Cross NC, and Health Plans of NC licensed agents help local beneficiaries compare every available option at no cost, connecting them with providers across the Atrium Health system including Atrium Health Cleveland in Shelby.
Cleveland County, NC has approximately 19,000 Medicare-eligible residents, representing 18.7% of the county's total population of 100,170, and those beneficiaries can access a range of Medicare coverage types through Blue Cross NC for 2026. The county's healthcare infrastructure, anchored by Atrium Health Cleveland at 201 E Grover St in Shelby and Atrium Health Kings Mountain at 706 W King St in Kings Mountain, supports Medicare Advantage, Medicare Supplement, standalone Part D drug coverage, and specialized dual-eligible plans. Primary care clinics such as Cleveland Primary Care and Shelby Family Practice, along with long-term care facilities including Cleveland Pines Nursing Center and Peak Resources Shelby, are part of the broader provider landscape available to Cleveland County Medicare beneficiaries.
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 Cleveland County and typically connect beneficiaries to in-network providers including Atrium Health Cleveland in Shelby for hospital and outpatient services.
Medicare Advantage HMO-POS plans offer slightly more flexibility than standard HMOs, allowing Cleveland County residents to access Atrium Health facilities both in-network and, in some cases, outside the primary network.
Medicare Advantage PPO plans give Cleveland County beneficiaries the option to see both in-network providers like Atrium Health Cleveland and out-of-network providers, including Atrium Health facilities in Charlotte, often at higher cost-sharing.
Medicare Supplement (Medigap) plans work alongside Original Medicare and allow Cleveland County residents to visit any Medicare-accepting provider nationwide, including Carolinas Medical Center at 1000 Blythe Blvd in Charlotte and Carolinas Rehabilitation at 1100 Blythe Blvd.
Part D Prescription Drug Plans provide standalone prescription coverage for Cleveland County residents on Original Medicare or a Medicare Supplement plan, with options available at local pharmacies including CVS and Walgreens throughout the county.
Dual Special Needs Plans (D-SNP) are available for Cleveland County residents who qualify for both Medicare and Medicaid, providing coordinated care that includes access to Atrium Health Cleveland and other local providers.
Blue Cross NC offers eight Medicare plans in Cleveland County for 2026, spanning HMO, HMO-POS, PPO, PDP, and D-SNP plan types, with monthly premiums ranging from $0 to $163.20 depending on the plan selected. Several of the available plans carry $0 monthly premiums beyond the standard Part B premium and are structured around in-network access to providers such as Atrium Health Cleveland in Shelby and Atrium Health Kings Mountain in Kings Mountain. The standalone Part D drug plan and the D-SNP round out the options, ensuring Cleveland County residents with varied coverage needs and eligibility situations have a plan available to them.
Blue Medicare Medical Only, HMO-POS, $0.00 per month, provides Medicare-covered hospital and medical benefits through an HMO-POS network that includes Atrium Health Cleveland in Shelby.
Blue Medicare Essential, HMO, $0.00 per month, bundles hospital and medical coverage into a single HMO plan connected to in-network providers including Atrium Health Cleveland.
Blue Medicare Essential Plus, HMO-POS, $0.00 per month, offers HMO-POS network flexibility with access to Atrium Health Cleveland and Kings Mountain for covered services.
Blue Medicare Enhanced, HMO-POS, $47.00 per month, provides an enhanced benefit package through an HMO-POS network that may include additional dental, vision, and hearing benefits beyond standard Medicare coverage.
Blue Medicare PPO Enhanced, PPO, $53.00 per month, allows Cleveland County beneficiaries to access both in-network providers such as Atrium Health Cleveland and out-of-network Medicare providers, including Atrium Health facilities in Charlotte.
Blue Medicare Freedom+, HMO-POS, $0.00 per month, combines a $0 premium with HMO-POS network access, connecting beneficiaries to Atrium Health Cleveland and participating providers throughout the region.
Healthy Blue Medicare DSNP, HMO-POS, $0.00 per month, is designed for Cleveland County residents who qualify for both Medicare and Medicaid, coordinating benefits across the Atrium Health network in the county.
Blue Medicare Rx Enhanced PDP, standalone Part D Prescription Drug Plan, $163.20 per month, provides drug coverage for Cleveland County residents enrolled in Original Medicare or a Medicare Supplement plan, with participating pharmacies available locally.
For 2026, Medicare Advantage plan premiums in Cleveland County range from $0.00 per month for plans such as Blue Medicare Essential and Blue Medicare Freedom+ to $53.00 per month for Blue Medicare PPO Enhanced, with the Blue Medicare Enhanced HMO-POS priced at $47.00 per month, giving beneficiaries several price points to consider when balancing premium costs against benefit levels. The standalone Blue Medicare Rx Enhanced PDP carries a monthly premium of $163.20 for Cleveland County residents who need prescription drug coverage outside of a Medicare Advantage plan. With a county median household income of $55,769, some Cleveland County residents may qualify for Extra Help, Medicare Savings Programs, or other cost-reduction programs that can significantly lower their total Medicare expenses, and Health Plans of NC agents can identify those opportunities at no cost during a plan comparison.
Part A: $0 premium for most Cleveland 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 offering plans to Cleveland County residents for 2026, with a total of 8 plans available across multiple plan types designed to serve a range of coverage needs and budgets. The plan types offered by Blue Cross NC in Cleveland County include Medicare Advantage HMO, Medicare Advantage HMO-POS, Medicare Advantage PPO, a standalone Part D Prescription Drug Plan, and a Dual Special Needs Plan for beneficiaries who qualify for both Medicare and Medicaid. Blue Cross NC Medicare Advantage networks in Cleveland County are built around local health systems including Atrium Health Cleveland at 201 E Grover St in Shelby and Atrium Health Kings Mountain at 706 W King St in Kings Mountain, ensuring that most beneficiaries have access to familiar local hospitals and physicians. For Cleveland County residents who require specialty care beyond what is available locally, PPO plan options and Medicare Supplement policies can provide access to the broader Atrium Health system, including Carolinas Medical Center and Carolinas Rehabilitation in Charlotte, without requiring a referral in all cases. Health Plans of NC agents compare every Blue Cross NC Medicare plan available in Cleveland County side by side at no cost, helping beneficiaries understand how each plan's network affects their access to local and regional providers.
Blue Cross NC offers Medicare Advantage HMO, HMO-POS, PPO, Part D PDP, and D-SNP plan types, with a total of 8 plans available to Cleveland County residents for 2026.
Cleveland County residents with limited income and resources may qualify for Extra Help, also known as the Low Income Subsidy, which can reduce or eliminate Part D prescription drug plan costs and is especially relevant given the county's poverty rate of 17.2%. Medicare Savings Programs can help eligible beneficiaries have their Part B premium covered by the state of North Carolina, reducing the ongoing monthly cost of Medicare for those who qualify based on income and assets. The Healthy Blue Medicare DSNP plan is available in Cleveland County for residents who are enrolled in both Medicare and Medicaid, providing coordinated benefits through the Blue Cross NC network at a $0 monthly premium. With an uninsured rate of 10.4% in Cleveland County, a meaningful share of residents may be unfamiliar with all available assistance programs, and Health Plans of NC agents check eligibility for every applicable program at no cost during the plan comparison process.
Extra Help and the Low Income Subsidy can reduce Part D prescription drug costs to near $0 for eligible Cleveland County residents who meet income and resource thresholds.
Medicare Savings Programs administered through NC Medicaid can cover the Part B premium and, in some cases, additional cost-sharing for qualifying Cleveland County beneficiaries.
The Healthy Blue Medicare DSNP is available for Cleveland County residents enrolled in both Medicare and Medicaid, coordinating all covered benefits through a single Blue Cross NC plan at no monthly premium.
NC Medicaid may provide additional low-income health coverage for Cleveland County residents who do not yet qualify for Medicare or who need supplemental assistance alongside their Medicare benefits.
Health Plans of NC agents check eligibility for Extra Help, Medicare Savings Programs, and D-SNP enrollment for Cleveland County residents at no cost and assist with the application process from start to finish.
Health Plans of NC licensed agents serve Cleveland County residents at no cost, comparing every available 2026 Medicare plan side by side and guiding beneficiaries through enrollment, plan changes, and financial assistance applications. Call 800-797-0327 today to speak with an agent who knows the Cleveland County provider landscape and can help you find the plan that fits your healthcare 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 Cleveland 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
Cleveland County ZIP Codes include: 28017, 28020, 28038, 28042, 28073, 28086, 28089, 28090, 28136, 28150, 28151, 28152, and 28169
