Live Worry-Free. Find the Right Medicare Plan in NC. in Henderson County
North Carolina
in North Carolina
Health Plans of NC helps Henderson County residents compare and enroll in all 8 Medicare plans available for 2026 at no cost, connecting beneficiaries with coverage that fits their health needs and budget. Whether you receive care at Pardee UNC Health Care or Park Ridge Health Atrium, our licensed agents find the plan that keeps you covered at your preferred facilities.
Henderson County has approximately 31,000 Medicare-eligible residents, representing 26.0% of the county's total population of 117,387, making access to quality Medicare coverage a top priority for a significant share of the community. Local health systems including Pardee UNC Health Care and Park Ridge Health Atrium accept Medicare and provide a wide range of services from emergency care to chronic disease management and rehabilitation. Henderson County residents can choose from Medicare Advantage, Medicare Supplement, Part D prescription drug plans, and Dual Special Needs Plans depending on their health needs, preferred providers, and financial situation.
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 | $40.00/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 Henderson County and connect beneficiaries to primary care and specialist services within networks that include local Henderson County providers.
Medicare Advantage HMO-POS plans offer Henderson County residents added flexibility to seek some out-of-network care while still anchoring coverage to local systems like Pardee UNC Health Care.
Medicare Advantage PPO plans give Henderson County beneficiaries the broadest in-network and out-of-network flexibility among Advantage plan types, useful for those who travel or see specialists regionally.
Medicare Supplement (Medigap) plans work alongside Original Medicare and allow Henderson County residents to visit any provider nationwide that accepts Medicare, including specialists in Asheville.
Part D Prescription Drug Plans provide standalone drug coverage for Henderson County residents who remain on Original Medicare and need help managing medication costs at local pharmacies.
Dual Special Needs Plans (D-SNP) are available for Henderson County residents who qualify for both Medicare and Medicaid, providing coordinated care through local and regional provider networks.
Blue Cross NC offers eight Medicare plans in Henderson County for 2026, spanning HMO, HMO-POS, PPO, Part D, and D-SNP plan types to give beneficiaries meaningful options across different coverage structures and price points. Several plans carry a $0 monthly premium, making them particularly accessible for residents who want to reduce monthly costs while still accessing providers within local networks such as Pardee UNC Health Care and Park Ridge Health Atrium. Plans with higher premiums like Blue Medicare Enhanced and Blue Medicare PPO Enhanced typically offer expanded benefits or broader network access, including connections to regional specialists at facilities like Asheville Orthopaedic Associates and Asheville Cardiology Associates.
Blue Medicare Medical Only, HMO-POS, $0.00 per month, provides hospital and medical coverage through local in-network providers in Henderson County with no monthly premium cost.
Blue Medicare Essential, HMO, $0.00 per month, offers coordinated care through a defined provider network with a primary care physician at the center of coverage in Henderson County.
Blue Medicare Essential Plus, HMO-POS, $0.00 per month, combines the structure of an HMO with added point-of-service flexibility for Henderson County beneficiaries who occasionally need out-of-network access.
Blue Medicare Enhanced, HMO-POS, $40.00 per month, delivers an enhanced benefit package through a local provider network and is well suited for Henderson County residents who use health services regularly.
Blue Medicare PPO Enhanced, PPO, $53.00 per month, gives Henderson County residents the ability to see both in-network and out-of-network providers, including regional specialists and facilities across western North Carolina.
Blue Medicare Freedom+, HMO-POS, $0.00 per month, provides flexible point-of-service access at no monthly premium and connects Henderson County members to a broad local and regional provider network.
Healthy Blue Medicare DSNP, HMO-POS, $0.00 per month, is designed for Henderson County residents who qualify for both Medicare and Medicaid, offering coordinated benefits at no monthly plan premium.
Blue Medicare Rx Enhanced PDP, Part D Prescription Drug Plan, $163.20 per month, provides standalone prescription drug coverage for Henderson County residents on Original Medicare who need comprehensive formulary access at local pharmacies.
For 2026, Medicare Advantage plan premiums in Henderson County range from $0.00 per month for plans like Blue Medicare Essential and Blue Medicare Freedom+ up to $53.00 per month for Blue Medicare PPO Enhanced, giving beneficiaries a wide range of price points to match their budget. Henderson County's median household income of $67,623 means that many residents fall near or within eligibility thresholds for programs that can further reduce out-of-pocket costs, including Extra Help for prescription drug expenses and Medicare Savings Programs that offset Part B premiums. Health Plans of NC agents help Henderson County residents calculate total annual costs across premiums, deductibles, copays, and drug formulary expenses so beneficiaries can identify the most cost-effective plan for their specific health usage.
Part A: $0 premium for most Henderson 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 Henderson County for 2026, offering a total of 8 plans to the county's Medicare-eligible residents. Plan types available through Blue Cross NC include Health Maintenance Organization (HMO), HMO with Point-of-Service (HMO-POS), Preferred Provider Organization (PPO), a standalone Part D Prescription Drug Plan, and a Dual Special Needs Plan (D-SNP), giving beneficiaries a full spectrum of coverage structures to evaluate. Blue Cross NC networks in Henderson County connect directly with local health systems including Pardee UNC Health Care and Park Ridge Health Atrium, meaning the plan a beneficiary selects determines which facilities and physicians are covered at the lowest cost-sharing levels. Plan choice also affects access to specialty services such as cardiology through Asheville Cardiology Associates, orthopedics through Asheville Orthopaedic Associates, and spine care through Carolina Spine and Neurosurgery at their Hendersonville location on Asheville Hwy. Health Plans of NC agents compare every Blue Cross NC Medicare plan available in Henderson County side-by-side at no cost, ensuring beneficiaries select the carrier plan structure that best aligns with their providers, prescriptions, and financial goals.
Blue Cross NC, offers Medicare Advantage HMO, HMO-POS, PPO, Part D PDP, and D-SNP plan types, with 8 total plans available in Henderson County for 2026.
Henderson County residents who have limited income and resources may qualify for Extra Help, also known as the Low Income Subsidy, which can reduce Part D prescription drug costs to near zero for eligible beneficiaries enrolled in a standalone PDP or Medicare Advantage drug plan. Medicare Savings Programs can cover the Part B monthly premium and other cost-sharing for qualifying residents, providing significant annual savings for those who meet income and asset thresholds. Residents who qualify for both Medicare and Medicaid are considered dual eligible and may enroll in the Healthy Blue Medicare DSNP, which coordinates benefits across both programs through local provider networks in Henderson County. With an uninsured rate of 12.2% and a poverty rate of 11.7% in Henderson County, financial assistance programs play a critical role in making Medicare coverage accessible, and Health Plans of NC agents check eligibility for every available program at no cost to the beneficiary.
Extra Help or Low Income Subsidy can dramatically reduce monthly Part D prescription drug premiums and copays for qualifying Henderson County Medicare beneficiaries.
Medicare Savings Programs offered through North Carolina Medicaid can cover Part B premiums and cost-sharing for eligible Henderson County residents who meet income and resource limits.
The Healthy Blue Medicare DSNP is available for Henderson County residents who qualify for both Medicare and Medicaid, providing coordinated zero-premium coverage through local provider networks.
NC Medicaid may cover additional services and costs not included in Medicare for low-income Henderson County residents who meet state eligibility requirements.
Health Plans of NC agents screen Henderson County residents for all financial assistance programs at no cost and help complete enrollment applications during any qualifying enrollment period.
Health Plans of NC licensed agents serve Henderson County residents at no cost and with no sales pressure, comparing every available Medicare plan side-by-side to help you find the right coverage for your providers, prescriptions, and budget. Call us today at 800-797-0327 to speak with a local agent who can guide you through enrollment or help you make a plan change during any qualifying enrollment period.
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 Henderson 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 |
|---|---|---|
Adventhealth Hendersonville | 100 Hospital Dr, Hendersonville, NC 28792 | (828) 684-8501 |
Asheville Specialty Hospital | 428 Biltmore Ave # 4, Asheville, NC 28801 | (828) 213-5400 |
Asheville VA Medical Ctr | 1100 Tunnel Rd, Asheville, NC 28805 | (828) 298-7911 |
Blue Ridge Regional Hospital | 125 Hospital Dr, Spruce Pine, NC 28777 | (828) 765-4201 |
Broughton Hospital | 1000 S Sterling St, Morganton, NC 28655 | (828) 433-2111 |
Caldwell UNC Health Care | 321 Mulberry St SW, Lenoir, NC 28645 | (828) 757-5100 |
Charles A Cannon Jr Meml Hosp | 434 Hospital Dr, Newland, NC 28657 | (828) 737-7000 |
Forum Health Asheville | 1312 Patton Ave, Asheville, NC 28806 | (828) 252-9833 |
Mission Children's Hospital | 11 Vanderbilt Park Dr, Asheville, NC 28803 | (828) 213-1740 |
Mission Hospital Mcdowell | 430 Rankin Dr, Marion, NC 28752 | (828) 659-5000 |
Mission Hospital | 509 Biltmore Ave, Asheville, NC 28801 | (828) 213-1111 |
Pardee UNC Health Care | 800 N Justice St, Hendersonville, NC 28791 | (828) 696-1000 |
St Luke's Hospital | 101 Hospital Dr, Columbus, NC 28722 | (828) 894-3311 |
St Lukes Hospital | 101 Hospital Dr, Columbus, NC 28722 | (828) 894-3311 |
UNC Health Blue Ridge | 2201 S Sterling St, Morganton, NC 28655 | (828) 580-5000 |
UNC Health Care Blue Ridge | 720 Malcolm Blvd, Valdese, NC 28690 | (828) 580-7640 |
Clinic | Address | Phone |
|---|---|---|
AMCHC | 225 Patton Ave # 200, Asheville, NC 28801 | (828) 412-5315 |
Apex Brain Ctr | 600 Julian Ln # 650, Arden, NC 28704 | (828) 708-5274 |
Asheville Cardiology Assoc-MRN | 472 Rankin Dr # Entrance3, Marion, NC 28752 | (828) 652-0005 |
Asheville Cardiology Assoc | 189 Hospital Dr # 2ndfloor, Spruce Pine, NC 28777 | (828) 274-6000 |
Asheville Cardiology Assoc | 387 US 70 W, Marion, NC 28752 | (828) 274-6000 |
Asheville Cardiology Assoc | 589 Peniel Rd, Columbus, NC 28722 | (828) 274-6000 |
Asheville Children's Med Ctr | 7 Vanderbilt Park Dr # 100a, Asheville, NC 28803 | (828) 258-0969 |
Asheville Orthopaedic Assoc | 1 Hospital Dr, Asheville, NC 28801 | (828) 252-7331 |
Asheville Orthopaedic Assoc | 2315 Asheville Hwy, Hendersonville, NC 28791 | (828) 782-9330 |
Asheville Orthopaedic Assoc | 472 Rankin Dr # Entrance3, Marion, NC 28752 | (828) 252-7331 |
Atrium Health At Hm-Hm Med | 141 Fiddlers Run Blvd, Morganton, NC 28655 | (828) 879-9050 |
Atrium Health At Home | 141 Fiddlers Run Blvd, Morganton, NC 28655 | (828) 580-6450 |
Atrium Health Shelby Women's | 446 N Carolina 108, Rutherfordton, NC 28139 | (980) 487-2570 |
Blue Ridge Med Ctr Mayland | , Spruce Pine, NC 28777 | (828) 765-4113 |
Blue Ridge Med Ctr Yancy Cmps | 800 Medical Campus Dr, Burnsville, NC 28714 | (828) 682-0200 |
Blue Ridge Med Ctr-Yancey Cmps | 125 Hospital Dr, Spruce Pine, NC 28777 | (828) 765-4201 |
Carolina Spine & Neurosurgery | 2315 Asheville Hwy, Hendersonville, NC 28791 | (828) 255-7776 |
Carolinas Healthcare Syst Blue | 1766 Connelly Springs Rd, Lenoir, NC 28645 | (828) 728-8224 |
Carolinas Medical Ctr At Hm | 141 Fiddlers Run Blvd, Morganton, NC 28655 | (828) 580-6441 |
Catawba Valley Medical Ctr | 309 S College St, Morganton, NC 28655 | (828) 326-3803 |
Fastmed Family Medicine | 160 Hendersonville Rd, Asheville, NC 28803 | (828) 210-2835 |
Gastroenterology-Mission | 11 Vanderbilt Park Dr # 2, Asheville, NC 28803 | (828) 213-1740 |
Happy Valley Medical Ctr | 1345 NC Highway 268, Lenoir, NC 28645 | (828) 754-6850 |
Keys Of Hope Medical Ctr | 295 Carson St # K, Marion, NC 28752 | (828) 659-6334 |
Levine Cancer Inst-Blue Ridge | 720 Malcolm Blvd, Connelly Springs, NC 28612 | (828) 580-7536 |
Mars Hill Medical Ctr | 119 Mountain View Rd, Mars Hill, NC 28754 | (828) 689-3507 |
Mauzy-Phillips Ctr | 125 Hospital Dr, Spruce Pine, NC 28777 | (828) 766-3555 |
Mission Children's Outpatient | 11 Vanderbilt Park Dr, Asheville, NC 28803 | (828) 213-1740 |
Mission Children's Specialists | 11 Vanderbilt Prk Dr # 2ndfloor, Asheville, NC 28803 | (828) 213-1740 |
Mission Community Medicine-Brk | 149 W Parker Rd, Morganton, NC 28655 | (828) 433-4933 |
Mission Community Medicine-Nb | 339 Nebo School Rd, Nebo, NC 28761 | (828) 652-6326 |
Mission Community Orthopedics | 189 Hospital Dr # 2ndfloor, Spruce Pine, NC 28777 | (828) 766-3555 |
Mission Community Urological | 189 Hospital Dr # 2ndfloor, Spruce Pine, NC 28777 | (828) 766-3555 |
Mission Health Ctr Highway 70 | 387 US 70 W, Marion, NC 28752 | (828) 652-6386 |
Mission Health Ctr Sugar Hill | 1633 Sugar Hill Rd, Marion, NC 28752 | (828) 652-7776 |
Mission Health Mauzy-Phillips | 189 Hospital Dr # 2ndfloor, Spruce Pine, NC 28777 | (828) 766-3555 |
Mission Health Partners | 50 Schenck Pkwy, Asheville, NC 28803 | (828) 213-3250 |
Mission Hospital-Smoking | 1 Hospital Dr, Asheville, NC 28801 | (828) 213-5527 |
Mission Hospital-St Joseph | 428 Biltmore Ave, Asheville, NC 28801 | (828) 213-1111 |
Mission Medical Oncology | 430 Rankin Dr # Entrance3, Marion, NC 28752 | (800) 506-2550 |
Mission Neurology Svc | 509 Biltmore Ave, Asheville, NC 28801 | (828) 213-1439 |
Mission Neurology-Outpatient | 1 Hospital Dr # 3200, Asheville, NC 28801 | (828) 213-9530 |
Mission Orthopedic Trauma Svc | 1 Hospital Dr # 4200, Asheville, NC 28801 | (828) 213-1994 |
Mission Outpatient Svc Sugar | 1633 Sugar Hill Rd # Entranceb, Marion, NC 28752 | (828) 252-7331 |
Mission St Joseph's Health | 890 Hendersonville Rd, Asheville, NC 28803 | (828) 274-7026 |
Mission Urology-Asheville | 1 Hospital Dr # 4100, Asheville, NC 28801 | (828) 254-8883 |
Mission Urology-Mcdowell | 472 Rankin Dr # Entrance3, Marion, NC 28752 | (828) 659-5700 |
Mission Weight Management | 1 Hospital Dr # 3400, Asheville, NC 28801 | (828) 213-4100 |
Mission Women's Care-Spruce Pn | 189 Hospital Dr # 2ndfloor, Spruce Pine, NC 28777 | (828) 766-3555 |
Mission Workwell-Medical Park | 2 Medical Park Dr # 102, Asheville, NC 28803 | (828) 213-9600 |
Occupational Medicine Ctr | 288 S Ridgecrest Ave, Rutherfordton, NC 28139 | (828) 286-5508 |
Sloop Medical Office Plaza | 436 Hospital Dr, Newland, NC 28657 | (828) 733-0280 |
Stonecreek Health & Rehab LLC | 455 Victoria Rd, Asheville, NC 28801 | (828) 225-3829 |
Surgical Specialist-Carolina | 1998 Hendersonville Rd # 40, Asheville, NC 28803 | (828) 585-2575 |
Valdese Patient Svc Ctr | 730 Malcolm Blvd # 160, Rutherford College, NC 28671 | (828) 580-7456 |
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
Henderson County ZIP Codes include: 28710, 28724, 28726, 28727, 28729, 28731, 28732, 28735, 28739, 28742, 28758, 28759, 28760, 28784, 28790, 28791, 28792, and 28793
