Live Worry-Free. Find the Right Medicare Plan in NC. in Haywood County
North Carolina
in North Carolina
Health Plans of NC helps Haywood County, NC residents find the right Medicare coverage for 2026, with access to 8 plans from Blue Cross NC and local care through Haywood Regional Medical Center and Mission Health HCA.
Haywood County is home to approximately 62,432 residents, with around 16,000 people, representing 25.4% of the population, currently eligible for Medicare. Beneficiaries in the county can access multiple coverage categories, including Medicare Advantage, Medicare Supplement, standalone Part D prescription drug plans, and a Dual Special Needs Plan for those who qualify for both Medicare and Medicaid. Local health systems including Haywood Regional Medical Center in Clyde and Mission Health HCA serve as anchors for the county's Medicare provider network, and many plans are structured around access to these facilities.
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 Haywood County, providing coordinated care through local networks that include Haywood Regional Medical Center and affiliated providers.
Medicare Advantage HMO-POS plans give Haywood County residents added flexibility to seek care outside the primary network when needed, including access to Mission Health HCA facilities.
Medicare Advantage PPO plans offer Haywood County beneficiaries the broadest in-network and out-of-network access among Advantage plan types, useful for seniors who travel or see specialists regionally.
Medicare Supplement plans pair with Original Medicare to cover cost-sharing gaps and allow beneficiaries to visit any Medicare-accepting provider, including Haywood Regional Medical Center and area hospitals.
Part D Prescription Drug Plans are available as standalone coverage for Haywood County residents who remain on Original Medicare or a Medicare Supplement plan and need drug benefits.
Dual Special Needs Plans are available in Haywood County for residents who qualify for both Medicare and Medicaid, offering coordinated benefits through a single plan designed for dual-eligible individuals.
Blue Cross NC offers 8 Medicare plans in Haywood County for 2026, spanning HMO, HMO-POS, PPO, PDP, and D-SNP plan types to meet a wide range of coverage needs. Several plans carry a $0 monthly premium and are built around provider networks that include Haywood Regional Medical Center in Clyde, Harris Regional Hospital in Sylva, and Angel Medical Center in Franklin. Health Plans of NC can walk Haywood County residents through each plan's network, benefits, and cost-sharing details at no cost.
Blue Medicare Medical Only, HMO-POS, $0.00 per month, provides medical-only Advantage coverage through local networks anchored by Haywood Regional Medical Center in Clyde.
Blue Medicare Essential, HMO, $0.00 per month, delivers coordinated care through a defined HMO network that includes Haywood Regional Medical Center and affiliated western North Carolina providers.
Blue Medicare Essential Plus, HMO-POS, $0.00 per month, adds point-of-service flexibility to the Essential plan structure, allowing Haywood County members some access to out-of-network care when necessary.
Blue Medicare Enhanced, HMO-POS, $30.00 per month, offers an elevated benefit package with point-of-service access, connecting Haywood County residents to a broader range of specialists and facilities.
Blue Medicare PPO Enhanced, PPO, $35.00 per month, gives Haywood County beneficiaries the widest network flexibility of any Advantage plan available locally, including access to Harris Regional Hospital and Angel Medical Center.
Blue Medicare Freedom+, HMO-POS, $0.00 per month, provides comprehensive Advantage benefits with point-of-service access for Haywood County members who want no-premium coverage and some out-of-network options.
Healthy Blue Medicare DSNP, HMO-POS, $0.00 per month, is designed for Haywood County residents who qualify for both Medicare and Medicaid, coordinating all covered benefits through a single plan.
Blue Medicare Rx Enhanced PDP, standalone Part D prescription drug plan, $163.20 per month, provides drug coverage for Haywood County residents who are enrolled in Original Medicare or a Medicare Supplement plan.
In Haywood County for 2026, Medicare Advantage plan premiums from Blue Cross NC range from $0.00 per month for plans like Blue Medicare Essential and Blue Medicare Freedom+ up to $35.00 per month for Blue Medicare PPO Enhanced, making Advantage plans an accessible option for many local seniors. The standalone Blue Medicare Rx Enhanced PDP carries a monthly premium of $163.20 for Haywood County residents who need dedicated prescription drug coverage alongside Original Medicare. With a county median household income of $61,001, many Haywood County residents may qualify for cost-reduction programs that lower or eliminate out-of-pocket Medicare expenses, and Health Plans of NC can help identify those opportunities at no cost.
Part A: $0 premium for most Haywood 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 Haywood County for 2026, offering a total of 8 plans across multiple coverage structures designed to meet the diverse needs of local beneficiaries. Plan types available include Medicare Advantage HMO, HMO-POS, and PPO plans, a standalone Part D prescription drug plan, and a Dual Special Needs Plan for residents who qualify for both Medicare and Medicaid. Blue Cross NC's provider networks in western North Carolina connect Haywood County members to Haywood Regional Medical Center in Clyde, Harris Regional Hospital in Sylva, Angel Medical Center in Franklin, and other regional facilities. The plan type a Haywood County resident selects directly determines which specialists, hospitals, and clinics they can visit at in-network cost-sharing levels, making network review an essential step in the enrollment process. Health Plans of NC compares every available Blue Cross NC Medicare plan side-by-side at no cost to Haywood County residents, ensuring each beneficiary understands exactly how their plan connects to their preferred local providers.
Blue Cross NC, offers Medicare Advantage HMO, HMO-POS, and PPO plans, a standalone Part D prescription drug plan, and a D-SNP, totaling 8 plans available in Haywood County for 2026.
Haywood County residents with limited incomes may qualify for Extra Help, also called the Low Income Subsidy, which can reduce Part D prescription drug costs to near $0 for eligible beneficiaries enrolled in a standalone drug plan like Blue Medicare Rx Enhanced PDP. Medicare Savings Programs can cover the standard Part B premium for qualifying low-income seniors in Haywood County, providing meaningful monthly relief for those on fixed incomes. The Healthy Blue Medicare DSNP is available for Haywood County residents who are enrolled in both Medicare and Medicaid, coordinating all benefits under a single plan at no monthly premium. With an uninsured rate and poverty rate both at 11.3% in Haywood County, a meaningful share of local residents may be eligible for these assistance programs, and Health Plans of NC checks eligibility at no cost during every consultation.
Extra Help, also called the Low Income Subsidy, can reduce monthly Part D plan premiums and drug copays to near $0 for qualifying Haywood County residents.
Medicare Savings Programs may cover the Part B premium for eligible low-income seniors in Haywood County, reducing monthly out-of-pocket Medicare costs significantly.
The Healthy Blue Medicare DSNP is available for Haywood County residents who qualify for both Medicare and Medicaid, combining all covered benefits into a single coordinated plan at $0 per month.
NC Medicaid provides additional coverage options for low-income Haywood County residents who meet eligibility requirements, and can work alongside Medicare in many cases.
Health Plans of NC agents check eligibility for all available financial assistance programs at no cost, helping Haywood County residents access every benefit they qualify for during enrollment.
Health Plans of NC licensed agents serve Haywood County residents at no cost and with no sales pressure, comparing every available Medicare Advantage, Medicare Supplement, and Part D plan side-by-side to help you find the right fit for your health needs and budget. Call 800-797-0327 today to speak with a local agent who can guide you through enrollment, plan changes, and financial assistance options in Haywood 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 Haywood 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
Haywood County ZIP Codes include: 28716, 28721, 28738, 28745, 28751, 28785, and 28786
