Live Worry-Free. Find the Right Medicare Plan in NC. in Iredell County
North Carolina
in North Carolina
Iredell County, NC residents have access to 8 Medicare plans for 2026 through Blue Cross NC, and Health Plans of NC helps local beneficiaries compare every available option at no cost, including plans that work with the Iredell Health System and Lake Norman Regional Medical Center.
Iredell County is home to approximately 31,000 Medicare-eligible residents, representing 16.4% of the county's total population of 191,800, and those residents have access to multiple Medicare coverage types for 2026. The county's healthcare network, anchored by Iredell Health System, Lake Norman Regional Medical Center, and Atrium Health facilities, accepts Medicare across a wide range of plan structures. Coverage options include Medicare Advantage HMO, HMO-POS, and PPO plans, a standalone Part D prescription drug plan, a Dual Special Needs Plan for those on both Medicare and Medicaid, and Medicare Supplement policies that pair with Original Medicare.
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: provides coordinated care through a defined network that includes providers affiliated with Iredell Health System in Statesville.
Medicare Advantage HMO-POS: offers HMO-style coverage with the option to see some out-of-network providers, useful for Iredell County residents who occasionally need care at Atrium Health facilities.
Medicare Advantage PPO: allows Iredell County beneficiaries more flexibility to visit both in-network and out-of-network providers, including specialists at regional systems like Novant Health Rowan Medical Center.
Medicare Supplement (Medigap): pairs with Original Medicare to cover out-of-pocket costs and allows access to any Medicare-accepting provider nationwide, including Iredell Memorial Hospital and facilities beyond the county.
Part D Prescription Drug Plans: standalone drug coverage available to Iredell County residents on Original Medicare, with participating pharmacies including local CVS and Walgreens locations.
Dual Special Needs Plan (D-SNP): designed for Iredell County residents who qualify for both Medicare and Medicaid, providing coordinated benefits through a single plan.
Blue Cross NC offers eight Medicare plans in Iredell County for 2026, spanning HMO, HMO-POS, PPO, PDP, and D-SNP plan types with monthly premiums ranging from $0 to $163.20. Each plan connects beneficiaries to a network that includes local facilities such as Iredell Memorial Hospital, Davis Regional Medical Center, and Lake Norman Regional Medical Center, as well as broader regional systems. Residents should review provider directories carefully to confirm that their preferred Iredell Health System providers or Piedmont HealthCare specialists are included under the specific plan they select.
Blue Medicare Medical Only, HMO-POS, $0.00 per month, provides hospital and medical coverage within a network that includes Iredell Memorial Hospital and affiliated providers.
Blue Medicare Essential, HMO, $0.00 per month, offers coordinated managed care with access to primary care providers and specialists tied to the Iredell Health System network.
Blue Medicare Essential Plus, HMO-POS, $0.00 per month, adds point-of-service flexibility to the standard HMO structure, useful for Iredell County residents who occasionally seek care outside the primary network.
Blue Medicare Enhanced, HMO-POS, $30.00 per month, delivers an expanded benefit set within the HMO-POS structure, including enhanced coverage levels at in-network Iredell County facilities.
Blue Medicare PPO Enhanced, PPO, $35.00 per month, gives Iredell County beneficiaries the broadest network flexibility, including the option to see out-of-network providers at regional centers like Atrium Health Cabarrus.
Blue Medicare Freedom+, HMO-POS, $0.00 per month, combines $0 premium access with point-of-service options for residents who want cost savings alongside some out-of-network access.
Healthy Blue Medicare DSNP, HMO-POS, $0.00 per month, serves dual-eligible Iredell County residents by coordinating Medicare and Medicaid benefits through a single Blue Cross NC plan.
Blue Medicare Rx Enhanced PDP, standalone Part D prescription drug plan, $163.20 per month, provides comprehensive drug coverage for Iredell County residents on Original Medicare, with access at local retail pharmacies including CVS and Walgreens.
For 2026, Iredell County residents can choose from Medicare Advantage plans priced as low as $0.00 per month, such as Blue Medicare Essential and Blue Medicare Freedom+, up to $35.00 per month for the Blue Medicare PPO Enhanced plan, while the standalone Blue Medicare Rx Enhanced PDP carries a $163.20 monthly premium. With a county median household income of $78,678, many Iredell County residents can budget for a Medicare Supplement plan, though the range of $0-premium Advantage options makes quality coverage accessible at nearly every income level. Residents whose income falls closer to program thresholds may qualify for Extra Help, Medicare Savings Programs, or D-SNP enrollment that can significantly reduce overall out-of-pocket costs, and Health Plans of NC agents can identify those savings opportunities at no charge.
Part A: $0 premium for most Iredell 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 Iredell County for 2026, offering a total of 8 plans across HMO, HMO-POS, PPO, standalone Part D PDP, and D-SNP plan types. The Blue Cross NC provider network in Iredell County connects beneficiaries to key local facilities including Iredell Memorial Hospital, Davis Regional Medical Center, and Lake Norman Regional Medical Center, as well as regional systems such as Atrium Health and Novant Health. The plan type a beneficiary selects directly determines which local hospitals, primary care providers, and specialists they can access, making it critical to review the Blue Cross NC network directory before enrolling, particularly for residents receiving ongoing care through the Iredell Health System or Piedmont HealthCare. Residents who regularly visit specialists outside Iredell County, such as those at Catawba Valley Medical Center or Novant Health Rowan Medical Center, should consider whether an HMO-POS or PPO plan structure better supports their care patterns. Health Plans of NC agents compare every available Blue Cross NC Medicare plan in Iredell County side by side at no cost, so residents can make an informed decision before the enrollment deadline.
Blue Cross NC: offers Medicare Advantage HMO, HMO-POS, PPO, Part D PDP, and D-SNP plan types, with 8 total plans available in Iredell County for 2026.
Iredell County's uninsured rate of 9.5% and poverty rate of 9.1% mean that a meaningful share of local Medicare beneficiaries may qualify for programs that reduce or eliminate their out-of-pocket costs. The Extra Help program, also called the Low Income Subsidy, can reduce Part D prescription drug costs to near zero for residents who meet federal income and asset thresholds. Medicare Savings Programs can cover the standard Part B premium for qualifying Iredell County beneficiaries, and dual-eligible residents who receive both Medicare and Medicaid may enroll in the Healthy Blue Medicare DSNP plan at $0 per month for coordinated coverage. Health Plans of NC agents check eligibility for every available assistance program at no cost and help Iredell County residents apply through the correct channels.
Extra Help or Low Income Subsidy: may reduce Part D prescription drug plan premiums and copayments to near $0 for eligible Iredell County residents who meet income and asset limits.
Medicare Savings Programs: state-administered programs that can pay the monthly Part B premium on behalf of qualifying low-income Iredell County Medicare beneficiaries.
Dual Special Needs Plan enrollment: Iredell County residents who qualify for both Medicare and Medicaid can enroll in the Healthy Blue Medicare DSNP for coordinated, comprehensive coverage at no premium.
NC Medicaid: low-income Iredell County residents who do not yet qualify for Medicare may access health coverage through NC Medicaid, with Health Plans of NC able to assist with eligibility screening.
Free eligibility check through Health Plans of NC: a licensed agent can review your income, assets, and coverage situation to identify every assistance program available to you in Iredell County at absolutely no cost.
Health Plans of NC licensed agents serve Iredell County residents at no cost, comparing every available Medicare Advantage, Medicare Supplement, and Part D plan side by side to 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 programs with no sales pressure.
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 Iredell 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
Iredell County ZIP Codes include: 28010, 28115, 28117, 28123, 28166, 28625, 28634, 28660, 28677, 28687, 28688, and 28689
