Live Worry-Free. Find the Right Medicare Plan in NC. in Gaston County
North Carolina
in North Carolina
Gaston County, NC residents have access to 8 Medicare plans for 2026 through Blue Cross NC, and Health Plans of NC licensed agents are available to compare every option at no cost for beneficiaries served by Atrium Health Gaston and other local providers.
Gaston County is home to approximately 38,000 Medicare-eligible residents, representing 16.3% of the county's total population of 231,485, making access to comprehensive Medicare coverage a critical concern for a significant share of the community. The county's healthcare infrastructure includes Atrium Health Gaston and CaroMont Regional Medical Center in Gastonia, along with primary care clinics, urgent care centers, behavioral health providers, and long-term care facilities such as Alexandria Place and Brookdale Robinwood, all of which participate in Medicare. Residents can choose from Medicare Advantage, Medicare Supplement, Part D prescription drug plans, and a Dual Special Needs Plan designed for those eligible 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 | $30.00/month |
Blue Medicare PPO Enhanced | PPO | $35.00/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 Gaston County and provide bundled hospital and medical coverage through networks that include Atrium Health Gaston facilities.
Medicare Advantage HMO-POS plans offer the structure of an HMO with added flexibility to seek some out-of-network care, useful for Gaston County residents who occasionally need providers outside the local network.
Medicare Advantage PPO plans allow Gaston County beneficiaries to see both in-network and out-of-network providers, including specialists at Atrium Health facilities across the Charlotte metro region.
Medicare Supplement (Medigap) plans work alongside Original Medicare and allow Gaston County residents to use any Medicare-accepting provider nationwide, including major regional hospitals like Atrium Health's Carolinas Medical Center in Charlotte.
Part D Prescription Drug Plans provide standalone drug coverage for Gaston County residents who use Original Medicare or a Medicare Supplement plan and need help covering the cost of their medications.
The Dual Special Needs Plan (D-SNP) is available to Gaston County residents who qualify for both Medicare and Medicaid, offering coordinated coverage through local providers in the Atrium Health Gaston network.
Blue Cross NC offers eight Medicare plans to eligible Gaston County residents for 2026, spanning HMO, HMO-POS, PPO, PDP, and D-SNP plan types, with most Medicare Advantage options carrying a $0 monthly premium. Plan networks connect beneficiaries to local providers including Atrium Health Gaston and CaroMont Regional Medical Center, as well as regional facilities throughout the Charlotte metro area. Residents with specific provider preferences or prescription needs should compare plans side-by-side with a Health Plans of NC agent to identify the best fit.
Blue Medicare Medical Only, HMO-POS, $0.00 per month, provides medical-only coverage with access to Atrium Health Gaston and other in-network providers in Gaston County.
Blue Medicare Essential, HMO, $0.00 per month, bundles hospital and medical coverage with a defined provider network that includes local Gaston County facilities.
Blue Medicare Essential Plus, HMO-POS, $0.00 per month, adds point-of-service flexibility to the Essential plan structure, allowing some access to providers outside the primary network.
Blue Medicare Enhanced, HMO-POS, $30.00 per month, offers an enhanced benefit package with point-of-service flexibility and access to local providers including CaroMont Regional Medical Center.
Blue Medicare PPO Enhanced, PPO, $35.00 per month, provides the broadest provider flexibility of the Advantage plans, covering both in-network and out-of-network providers such as Atrium Health and Novant Health hospitals in the Charlotte region.
Blue Medicare Freedom+, HMO-POS, $0.00 per month, delivers a $0 premium option with point-of-service access for Gaston County residents who want some out-of-network coverage at no additional monthly cost.
Healthy Blue Medicare DSNP, HMO-POS, $0.00 per month, is a Dual Special Needs Plan for Gaston County residents who qualify for both Medicare and Medicaid, coordinating benefits through local network providers.
Blue Medicare Rx Enhanced PDP, standalone Prescription Drug Plan, $163.20 per month, provides comprehensive drug coverage for Gaston County residents enrolled in Original Medicare or a Medicare Supplement plan.
Medicare Advantage plan premiums in Gaston County for 2026 range from $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, up to $30.00 per month for Blue Medicare Enhanced and $35.00 per month for Blue Medicare PPO Enhanced, making multiple low-cost options available to beneficiaries. The standalone Blue Medicare Rx Enhanced PDP carries a monthly premium of $163.20, which is an important cost factor for residents who rely on Original Medicare and need separate drug coverage. With a county median household income of $65,472, many Gaston County residents may qualify for programs such as Extra Help, Medicare Savings Programs, and Medicaid assistance that can substantially reduce overall Medicare costs, and Health Plans of NC agents can assess eligibility at no charge.
Part A: $0 premium for most Gaston 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 Gaston County for 2026, offering a total of 8 plans across HMO, HMO-POS, PPO, PDP, and D-SNP plan types to eligible county residents. The plan portfolio includes Medicare Advantage options in multiple network structures, a standalone Part D Prescription Drug Plan, and a Dual Special Needs Plan for residents qualifying for both Medicare and Medicaid. Blue Cross NC's provider networks in Gaston County connect beneficiaries to local hospitals and health systems, including CaroMont Regional Medical Center and Atrium Health Gaston, as well as regional facilities such as Atrium Health Cleveland in Shelby and Atrium Health Kings Mountain. Plan choice directly affects whether a Gaston County resident can access out-of-county specialists and hospitals, such as Novant Health Presbyterian Medical Center or Atrium Health's Carolinas Medical Center in Charlotte, without incurring significant additional costs. Health Plans of NC licensed agents compare every available Blue Cross NC Medicare plan side-by-side at no cost, helping residents match their preferred providers and coverage needs to the right plan.
Blue Cross NC, offering Medicare Advantage HMO, HMO-POS, and PPO plans, a standalone Part D PDP, and a D-SNP, with 8 total plans available in Gaston County for 2026.
Gaston County residents with limited incomes may qualify for Extra Help, also known as the Low Income Subsidy, which can reduce Part D prescription drug costs to near $0 per month, and for Medicare Savings Programs that cover the Part B premium and other cost-sharing obligations. Residents who qualify for both Medicare and Medicaid may enroll in the Healthy Blue Medicare DSNP, a Dual Special Needs Plan that coordinates benefits across both programs through a local provider network. With an uninsured rate of 10.9% and a poverty rate of 12.8% in Gaston County, a meaningful share of residents may be eligible for these programs without being aware of it, and Health Plans of NC agents check eligibility at no cost during the plan comparison process.
Extra Help (Low Income Subsidy) can significantly reduce monthly Part D prescription drug plan premiums and cost-sharing for eligible Gaston County beneficiaries.
Medicare Savings Programs can cover the monthly Part B premium and other cost-sharing expenses for qualifying low-income residents in Gaston County.
The Healthy Blue Medicare DSNP is available to Gaston County residents who qualify for both Medicare and Medicaid, providing coordinated benefits at a $0 monthly premium.
NC Medicaid may provide additional coverage and cost-sharing assistance for low-income Gaston County residents who meet state eligibility requirements.
Health Plans of NC agents help Gaston County residents determine eligibility for all available assistance programs and assist with the application process at no cost.
Health Plans of NC licensed agents serve Gaston County residents at no cost, comparing every available Medicare Advantage, Medicare Supplement, and Part D plan side-by-side to help you find coverage that fits your providers, prescriptions, and budget. Call 800-797-0327 today to speak with a local agent, get a personalized plan comparison, and get help with enrollment or plan changes at no obligation.
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 Gaston 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
Gaston County ZIP Codes include: 28006, 28012, 28016, 28021, 28032, 28034, 28052, 28053, 28054, 28055, 28056, 28077, 28098, 28101, 28120, and 28164
