Live Worry-Free. Find the Right Medicare Plan in NC. in Graham County
North Carolina
in North Carolina
Graham County, NC residents have access to 7 Medicare plans for 2026 through Blue Cross NC, and Health Plans of NC licensed agents help locals compare every available option at no cost and with no sales pressure, including plans that connect to Murphy Medical Center and Mission Health HCA facilities across the region.
Graham County, NC is home to approximately 2,000 Medicare-eligible residents, representing 24.8% of the county's total population of 8,041, all of whom have access to Medicare Advantage, Medicare Supplement, Part D drug plans, and Dual Special Needs Plans for 2026. Local health systems serving Graham County Medicare beneficiaries include Murphy Medical Center and Mission Health HCA, along with regional hospitals such as Swain Community Hospital in Bryson City, Harris Regional Hospital in Sylva, and Erlanger Western Carolina Hospital in Murphy. Seniors in Robbinsville and surrounding communities can choose from multiple plan structures depending on their preferred providers, budget, and healthcare needs.
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 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 Graham County through Blue Cross NC, offering network-based coverage with access to providers affiliated with Murphy Medical Center and Mission Health HCA.
Medicare Advantage HMO-POS plans provide Graham County seniors with in-network cost savings while allowing some out-of-network access to regional facilities like Harris Regional Hospital in Sylva.
Medicare Supplement (Medigap) plans are available to Graham County residents who prefer to use any Medicare-accepting provider nationwide, including specialists at Erlanger Western Carolina Hospital in Murphy.
Part D Prescription Drug Plans offer standalone drug coverage for Graham County seniors enrolled in Original Medicare who need help managing prescription costs.
Dual Special Needs Plans (D-SNP) are available for Graham County residents who qualify for both Medicare and Medicaid, connecting them to coordinated care through local and regional providers.
For 2026, Blue Cross NC offers seven Medicare plans in Graham County spanning HMO, HMO-POS, and Prescription Drug Plan structures, giving seniors a range of options from $0 premium Advantage plans to a standalone drug plan and a D-SNP for dual-eligible residents. Each plan connects to provider networks that include regional hospitals and clinics serving Graham County, and network participation should be verified for specific facilities before enrollment. Health Plans of NC agents can review each plan's formulary, cost-sharing structure, and provider network with Graham County seniors at no charge.
Blue Medicare Medical Only, HMO-POS, $0.00 per month, provides medical-only Medicare Advantage coverage connected to providers in the Blue Cross NC network serving Graham County.
Blue Medicare Essential, HMO, $0.00 per month, offers a structured network plan through Blue Cross NC with access to facilities like Murphy Medical Center and affiliated Mission Health HCA providers.
Blue Medicare Essential Plus, HMO-POS, $0.00 per month, combines HMO cost efficiency with point-of-service flexibility for Graham County seniors who occasionally need care at out-of-network regional hospitals.
Blue Medicare Enhanced, HMO-POS, $47.00 per month, provides an elevated benefit tier through Blue Cross NC with broader coverage options for Graham County residents who require more frequent specialist or hospital care.
Blue Medicare Freedom+, HMO-POS, $0.00 per month, gives Graham County seniors a $0 premium option with point-of-service access to supplement visits to facilities like Harris Regional Hospital in Sylva.
Healthy Blue Medicare D-SNP, HMO-POS, $0.00 per month, is designed for Graham County residents who are enrolled in both Medicare and Medicaid, offering coordinated care through Blue Cross NC's regional network.
Blue Medicare Rx Enhanced PDP, Prescription Drug Plan, $163.20 per month, is a standalone Part D plan for Graham County seniors in Original Medicare who need comprehensive drug coverage through Blue Cross NC's pharmacy network.
In 2026, most Medicare Advantage plans available in Graham County are priced at $0.00 per month beyond the standard Part B premium, with Blue Medicare Enhanced at $47.00 per month representing the only premium-bearing Advantage option, and the Blue Medicare Rx Enhanced PDP standalone drug plan priced at $163.20 per month. Graham County's median household income of $49,038 means many residents may qualify for cost-reduction programs that lower or eliminate premiums and out-of-pocket expenses across both Advantage and drug plans. Health Plans of NC agents help Graham County seniors identify which plans deliver the best value given their specific income level, prescription needs, and preferred providers.
Part A: $0 premium for most Graham 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 sole Medicare carrier offering plans to Graham County residents for 2026, with a total of 7 plans available across multiple plan structures. Those plan types include HMO, HMO-POS, Prescription Drug Plans, and a Dual Special Needs Plan, giving seniors a meaningful range of coverage options within a single carrier. The Blue Cross NC network connects Graham County beneficiaries to regional health systems including Murphy Medical Center and Mission Health HCA, as well as hospitals such as Swain Community Hospital, Harris Regional Hospital, and Erlanger Western Carolina Hospital. Plan choice directly affects which local specialists, clinics, and facilities a Graham County senior can access in-network, making network verification a critical step before enrollment. Health Plans of NC compares every available Blue Cross NC plan in Graham County side by side at no cost, so seniors can make informed decisions before their enrollment window closes.
Blue Cross NC, offering HMO, HMO-POS, PDP, and D-SNP plan types, with 7 total Medicare plans available in Graham County for 2026.
Graham County's uninsured rate of 13.7% and poverty rate of 8.7% underscore the importance of financial assistance programs that can significantly reduce Medicare costs for eligible residents. Extra Help, also known as the Low Income Subsidy, is a federal program that can reduce Part D prescription drug costs to near $0 for Graham County seniors who meet income and asset requirements. Medicare Savings Programs can cover the Part B premium and other cost-sharing expenses for qualifying low-income residents, and the Healthy Blue Medicare D-SNP plan is specifically designed for Graham County residents who are enrolled in both Medicare and NC Medicaid. Health Plans of NC agents check eligibility for every available assistance program at no cost and help Graham County seniors apply without any sales pressure.
Extra Help and the Low Income Subsidy program can reduce monthly Part D prescription drug premiums and copays to near $0 for eligible Graham County seniors.
Medicare Savings Programs can pay the standard Part B premium on behalf of qualifying Graham County residents, eliminating a significant recurring monthly expense.
The Healthy Blue Medicare D-SNP plan is available for Graham County residents who are enrolled in both Medicare and Medicaid, providing coordinated benefits through Blue Cross NC at no premium.
NC Medicaid may cover additional healthcare costs for low-income Graham County residents who do not yet qualify for Medicare or who need benefits beyond what Medicare provides.
Health Plans of NC agents assist Graham County residents in applying for Extra Help, Medicare Savings Programs, and D-SNP enrollment at no cost and with no obligation to enroll in any plan.
Health Plans of NC licensed agents serve Graham County residents at no cost, comparing every available Medicare plan side by side and helping seniors in Robbinsville and surrounding communities navigate enrollment, plan changes, and financial assistance programs. Call 800-797-0327 to speak with a local agent who knows the Graham County Medicare landscape and can help you find the right plan for your needs.
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 Graham 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 |
|---|---|---|
Angel Medical Ctr | 124 One Center Ct, Franklin, NC 28734 | (828) 524-8411 |
Cherokee Indian Hospital | 1 Hospital Rd, Cherokee, NC 28719 | (828) 497-9163 |
Erlanger Western Carolina Hosp | 3990 E US 64 Alt, Murphy, NC 28906 | (828) 837-8161 |
Harris Regional Hospital | 68 Hospital Rd, Sylva, NC 28779 | (828) 586-7000 |
Haywood Regional Medical Ctr | 262 Leroy George Dr, Clyde, NC 28721 | (828) 456-7311 |
Highlands-Cashiers Hospital | 190 Hospital Dr, Highlands, NC 28741 | (828) 526-1200 |
Swain Community Hospital | 45 Plateau St # 230, Bryson City, NC 28713 | (828) 488-2155 |
Transylvania Regional Hospital | 260 Hospital Dr, Brevard, NC 28712 | (828) 884-9111 |
Unity Healing Ctr | 448 Sequoyah Trl, Cherokee, NC 28719 | (828) 497-1800 |
Clinic | Address | Phone |
|---|---|---|
Angel Medical Ctr | 56 Medical Park Dr, Franklin, NC 28734 | (828) 542-8411 |
Asheville Cardiology Assoc | 190 Hospital Dr # 104, Highlands, NC 28741 | (828) 274-6000 |
Atlanta Gastroenterology Assoc | 145 Medical Park Ln # K, Murphy, NC 28906 | (404) 257-9000 |
Center For Family Medicine | 55 Holly Springs Park Dr, Franklin, NC 28734 | (828) 349-3550 |
Haywood Regional Medical Ctr | , Waynesville, NC 28786 | (828) 452-8070 |
Mission Community Primary Care | 57 White Owl Ln, Cashiers, NC 28717 | (828) 743-2491 |
Mission Health Ctr Highlands | 190 Hospital Dr, Highlands, NC 28741 | (828) 526-4942 |
Mission Urology-Brevard | 89 Hospital Dr # C, Brevard, NC 28712 | (828) 883-5858 |
Murphy Medical Ctr Emergency | 3990 E US 64 Alt, Murphy, NC 28906 | (828) 837-8300 |
Murphy Medical Ctr Human RSRCS | , Murphy, NC 28906 | (828) 835-7683 |
Murphy Medical Ctr Radiology | 3990 E US 64 Alt, Murphy, NC 28906 | (828) 835-7540 |
Murphy Medical Ctr | 3990 E US Highway 64 Alternate, Murphy, NC 28906 | (828) 835-7502 |
Murphy Medical Ctr | 4130 115 Highway 64 E, Murphy, NC 28906 | (828) 835-7505 |
Orthopedics-Sports Medicine | 190 Riverview St, Franklin, NC 28734 | (828) 349-8260 |
Ozarks Medical Ctr | PO Box 330, Marble, NC 28905 | (417) 257-5802 |
Primary Care Franklin | 190 Riverview St, Franklin, NC 28734 | (828) 349-6800 |
VA Medical Ctr | 45 HI Lane St, Canton, NC 28716 | (828) 298-7911 |
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
Graham County ZIP Codes include: 28702, 28733, and 28771
