Find Your Most Affordable Health Insurance Plan in Cleveland County

Why Choose Blue Cross NC for Medicare

We can help with all your Medicare needs including supplemental plans and prescription drug coverage
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See the Doctor You Want

Blue Cross has a large network of providers, which means you have more options when it comes to choosing doctors and hospitals.

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Cost Savings

Blue Cross NC offers competitive pricing on Medicare plans, which can help you save money on healthcare costs.

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The Freedom to Change Plans

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.

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Wellness Benefits

Blue Cross offers wellness benefits, such as fitness programs and wellness coaching, to help you maintain your health and prevent illness.

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Guaranteed Acceptance by Enrolling Early

Advantages include locking in rates, avoiding coverage gaps, wellness programs, and more.

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We Are Local

All of our agents are based in North Carolina and are dedicated to serving the people of this state.

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The A, B, C and D of Medicare

Medicare is a federal program to help people age 65 and older (or under age 65 who are Medicare-eligible) cover health care costs. It includes four types of coverage, labeled Parts A, B, C and D.

Part A – Hospital Insurance

  • Run by the federal government

  • Hospital care

  • Skilled nursing facility care

  • Hospice care

  • Home health services

Part B – Medical Insurance

  • Run by the federal government

  • Doctor visits

  • Preventative services

  • Ambulance services

  • Physical and speech therapy

Medicare Part C – Medicare Advantage

  • Part A benefits, including hospital visits, skilled nursing care and home health care

  • Part B benefits, such as doctor visits, outpatient care, screenings and lab tests

  • Prescription drug coverage (Part D coverage is included in most Medicare Advantage plans)

Medicare Part D – Medicare Prescription Drug Coverage

  • Help pay for prescription drugs including both brand-name and generic medications

  • A list of the drugs (also called a formulary) covered under the plan

  • A network of available pharmacies to choose from and mail order pharmacy services

Which Path is Best For You?

Compare paths 1 & 2 below

Path 1

Original Medicare




À La Carte Coverage


Accepted Nationwide


Enjoy travel & like customization


Path 2

Medicare Advantage


Insurance Company-Managed


Bundled Coverage


Accepted within a Network


Want extra benefits & need a spending cap

Blue Medicare Supplement

Blue Medicare Supplement from Blue Cross and Blue Shield of North Carolina
Blue Medicare Supplement

For North Carolina Beneficiaries Enrolled in Both Medicare Part A and Part B

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. Choose from a variety of Blue Medicare Supplement plans to find the plan that best fits your needs and your budget.

With Blue Medicare Supplement, You’ll Enjoy:

  • Coverage for the costs not covered by Original Medicare (Parts A and B)

  • The freedom to see any Medicare-participating provider nationwide

  • Rates as low as $381

  • Flexibility to change plans

  • A healthy aging and exercise program

  • A program for significant savings on hearing aids

Supplement Plans from Blue Cross NC: Discover the Benefit of Blue℠

Blue Medicare Supplement plans provide savings and peace of mind for more than 234,000 North Carolinians across our state.2 As North Carolina’s preferred health insurer,3 people depend on Blue Cross NC's large network of providers and 87 years of experience to provide the knowledge and expertise they need, right in their own backyard.

Blue-to-Blue ℠ : Built-In Flexibility

All Blue Medicare Supplement plans feature the freedom to switch Medicare Supplement plans at specific times throughout the year. If your needs or budget change, simply change plans without having to answer additional health questions.4

Guaranteed Acceptance

You cannot be turned down for Blue Medicare Supplement, and may not have to complete a medical questionnaire, if you meet the following criteria:

  • You are age 65 or older, or under age 65 and are eligible for Medicare due to disability5

  • 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

No Waiting Periods

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.

Stay Healthy With Silver&Fit ®

Most Blue Medicare Supplement plans include our healthy aging and exercise program, Silver&Fit. Enjoy a low-cost fitness membership at a fitness facility near you, or enroll in the Home Fitness Program and exercise in the comfort of your own home.6

TruHearing Program ®

TruHearing covers one hearing aid per ear per year for a low copay of $699 per TruHearing Advanced hearing aid or $999 per TruHearing Premium hearing aid. Also, as part of the program, a TruHearing provider will help you choose the best hearing aid for your lifestyle and unique hearing needs.7

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Cleveland County

in North Carolina


Healthcare for Seniors

Cleveland County, located in North Carolina, offers a variety of medical and healthcare facilities specifically tailored to meet the needs of individuals enrolled in Medicare. These facilities ensure Medicare beneficiaries have access to quality healthcare services and comprehensive care options.

Atrium Health Cleveland serves as the primary healthcare provider in the county. This hospital offers various services, including emergency care, surgical procedures, specialized treatments, and diagnostic imaging. To address their unique healthcare needs, Medicare beneficiaries can receive personalized care, including geriatric medicine and rehabilitation services.

Primary care clinics, such as Cleveland Primary Care and Shelby Family Practice, play a vital role in managing Medicare beneficiaries' overall health and well-being. These clinics offer routine check-ups, preventive care, chronic disease management, and coordination of specialized services to ensure comprehensive care for Medicare recipients.

Urgent care centers, including FastMed Urgent Care and Shelby Urgent Care, provide prompt medical attention for non-life-threatening conditions. These centers accept Medicare and offer extended hours, allowing Medicare beneficiaries to receive timely care and avoid unnecessary visits to the emergency room.

Individuals can access services through organizations such as Cleveland County Mental Health and Monarch for mental health support. These organizations provide mental health assessments, counseling, and support services to address the mental health needs of Medicare beneficiaries.

Pharmacies throughout the county, including national chains like CVS and Walgreens and independent establishments, serve Medicare beneficiaries. These pharmacies provide prescription medication services and counseling and often offer immunizations, ensuring convenient access to necessary medications and preventive care.

Cleveland County also offers various long-term care and rehabilitation facilities, such as Cleveland Pines Nursing Center and Peak Resources Shelby. These facilities provide skilled nursing care, rehabilitation services, and long-term care options, often covered by Medicare.

In summary, Cleveland County's healthcare system is well-equipped to serve individuals enrolled in Medicare. With medical facilities, primary care clinics, urgent care centers, mental health services, pharmacies, and long-term care options, Medicare beneficiaries in Cleveland County can access comprehensive healthcare services to meet their specific needs and promote their overall well-being.

Area Hospitals
  • 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

Medicare Common Questions

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  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 agent to learn more.

  2. 234,000; Blue Cross NC internal data for Medicare Advantage, Medicare Supplement and stand-alone Part D as of October 2020.

  3. Blue Cross NC Brand Tracking Study; Ipsos; July 2020.

  4. Members of plans sponsored by Blue Cross NC will be able to change to other plans available when they purchased their original plan. Certain limits apply.

  5. Guaranteed acceptance is limited to Plan A for those under age 65 who have Medicare due to disability.

  6. Disclaimer: The Silver&Fit program is provided by American Specialty Health Fitness, Inc. (ASH Fitness), a subsidiary of American Specialty Health Incorporated (ASH). The program is not part of a member’s policy or benefits, and is not available on our Plan G-HD. All programs and services are not available in all areas. Please make sure to talk to a doctor before starting or changing an exercise routine. Silver&Fit, Fit at Home and the Silver&Fit logo are trademarks of ASH. Other names or logos may be trademarks of their respective owners. Home kits are subject to change. Not all YMCAs participate in the network. ASH does not offer Blue Cross NC products or services. Not connected with or endorsed by the U.S. government or the federal Medicare program.

  7. Disclaimer: TruHearing is a registered trademark of TruHearing, Inc. TruHearing is an independent company and does not offer Blue Cross NC products or services. This program may change or be discontinued at any time.


  • 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, 12/18; Plan G: BMS G, 12/18; Plan G-HD: BMS HDG, 12/18; Plan K: BMS K, 12/18; Plan N: BMS N, 12/18.

  • Agent / Agency is an independent authorized Agent / Agency licensed to sell and promote products from Blue Cross and Blue Shield of North Carolina (Blue Cross NC). The content contained in this site is maintained by Agent / Agency. Neither Blue Cross NC nor its agents are connected with or endorsed by the U.S. government or the federal Medicare program.

Caution: Policy benefits are limited to those approved by Medicare for payment.

BLUE CROSS®, BLUE SHIELD®, the Cross and Shield symbols, and service marks are marks of the Blue Cross and Blue Shield Association, an association of independent Blue Cross and Blue Shield plans. All other trade names are property of their respective owners. Blue Cross NC an independent licensee of the Blue Cross and Blue Shield Association. U4093, 2/21

We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact or 1-800-MEDICARE to get information on all of your options.

Cleveland County ZIP Codes include: 28017, 28020, 28038, 28042, 28073, 28086, 28089, 28090, 28136, 28150, 28151, 28152, and 28169

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