Live Worry-Free. Find the Right Medicare Plan in NC. in Macon County
North Carolina
in North Carolina
Health Plans of NC helps Macon County, NC residents compare and enroll in Medicare plans at no cost, connecting beneficiaries with coverage that works alongside local health systems including Angel Medical Center and Mission Health HCA. With 7 Medicare plans available for 2026 through Blue Cross NC, Macon County seniors have meaningful options across multiple plan types to fit their healthcare needs.
Macon County, North Carolina has a population of 37,533, and nearly 11,000 residents representing 28.9% of the county are eligible for Medicare, making local plan selection an important community priority. Medicare beneficiaries in Macon County can access care through Angel Medical Center in Franklin, part of the Mission Health HCA system, as well as nearby facilities including Highlands-Cashiers Hospital in Highlands, Harris Regional Hospital in Sylva, and Haywood Regional Medical Center in Clyde. Coverage options range from Medicare Advantage HMO and HMO-POS plans to standalone Part D drug plans and a Dual Special Needs Plan for residents who qualify 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 | $40.00/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 in Macon County offer managed care coverage with coordinated access to Angel Medical Center and Mission Health HCA network providers in Franklin and Cashiers.
Medicare Advantage HMO-POS plans give Macon County beneficiaries the structure of an HMO with limited flexibility to seek care outside the network, useful for visits to Highlands-Cashiers Hospital or specialty clinics in the region.
Part D Prescription Drug Plans are available as standalone coverage for Macon County residents who keep Original Medicare and want help paying for prescriptions at pharmacies in Franklin, Highlands, and surrounding communities.
Dual Special Needs Plans, or D-SNPs, are available in Macon County for residents who qualify for both Medicare and Medicaid, providing coordinated benefits through local providers in the Mission Health HCA network.
Blue Cross NC offers seven Medicare plans for 2026 in Macon County, spanning HMO, HMO-POS, Part D, and D-SNP plan types that connect beneficiaries to local providers including Angel Medical Center, Mission Community Primary Care in Cashiers, and Center for Family Medicine in Franklin. Each plan differs in network design, premium, and benefit structure, so selecting the right plan depends on which local hospitals, clinics, and specialists a beneficiary uses most. Health Plans of NC agents review every available plan side by side at no cost to help Macon County residents match their provider preferences to the right Blue Cross NC plan for 2026.
Blue Medicare Medical Only, HMO-POS, $0.00 per month, provides hospital and medical coverage with access to Angel Medical Center and Mission Health HCA facilities in Macon County.
Blue Medicare Essential, HMO, $0.00 per month, is a managed care plan coordinating primary and specialty care through providers like Center for Family Medicine in Franklin and Mission Health HCA clinics.
Blue Medicare Essential Plus, HMO-POS, $0.00 per month, adds point-of-service flexibility to an HMO structure, allowing Macon County beneficiaries limited out-of-network access to facilities like Highlands-Cashiers Hospital.
Blue Medicare Enhanced, HMO-POS, $40.00 per month, offers an expanded benefit package with point-of-service access, suited for Macon County seniors who want richer coverage alongside Angel Medical Center network providers.
Blue Medicare Freedom+, HMO-POS, $0.00 per month, combines a $0 premium with HMO-POS flexibility, giving Macon County residents access to Mission Health HCA network providers and select out-of-network options.
Healthy Blue Medicare DSNP, HMO-POS, $0.00 per month, is a Dual Special Needs Plan designed for Macon County residents who are enrolled in both Medicare and Medicaid, coordinating benefits through local health system providers.
Blue Medicare Rx Enhanced PDP, standalone Part D prescription drug plan, $163.20 per month, provides drug coverage for Macon County residents who prefer to keep Original Medicare and need help with prescription costs at local pharmacies in Franklin and Highlands.
Medicare Advantage plan premiums in Macon County for 2026 range from $0.00 per month for plans like Blue Medicare Essential and Blue Medicare Freedom+ up to $40.00 per month for Blue Medicare Enhanced, while the standalone Blue Medicare Rx Enhanced PDP carries a monthly premium of $163.20. Macon County's median household income of $53,298 means many residents may find $0-premium Medicare Advantage plans more budget-friendly month to month, particularly those that bundle prescription drug coverage and reduce overall out-of-pocket exposure. Beneficiaries whose income falls below certain thresholds may qualify for programs that further reduce their costs, and Health Plans of NC can identify those savings opportunities at no charge during a free plan comparison.
Part A: $0 premium for most Macon 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 Macon County for 2026, offering a total of 7 plans that span HMO, HMO-POS, Part D prescription drug, and D-SNP plan types to meet the varied needs of local beneficiaries. The HMO and HMO-POS plan designs in the Blue Cross NC portfolio connect Macon County residents to provider networks that include Angel Medical Center in Franklin, Highlands-Cashiers Hospital in Highlands, and Mission Health HCA facilities throughout western North Carolina. The plan type a beneficiary selects directly determines which local doctors, specialists, and hospitals such as Mission Community Primary Care in Cashiers or Center for Family Medicine in Franklin are available in-network and at what cost-sharing level. For seniors who frequently visit specialists at facilities like Asheville Cardiology Associates in Highlands or Orthopedics-Sports Medicine in Franklin, choosing between HMO and HMO-POS structures can meaningfully affect access and out-of-pocket costs. Health Plans of NC agents compare every Blue Cross NC plan available in Macon County side by side at no cost, ensuring seniors select the carrier plan that best aligns with their providers and budget.
Blue Cross NC, offers Medicare Advantage HMO, Medicare Advantage HMO-POS, Part D Prescription Drug Plans, and Dual Special Needs Plans, with 7 total plans available in Macon County for 2026.
Macon County's uninsured rate and poverty rate are both 14.4%, meaning a meaningful share of residents may qualify for federal and state assistance programs that reduce Medicare costs significantly. Extra Help, also known as the Low Income Subsidy, can reduce Part D prescription drug costs to near $0 per month for Macon County residents who meet income and asset limits, and Medicare Savings Programs can cover the Part B premium entirely for those who qualify. Macon County residents who are enrolled in both Medicare and Medicaid may be eligible for the Healthy Blue Medicare DSNP, a Dual Special Needs Plan that coordinates benefits across both programs through local providers. Health Plans of NC checks eligibility for all available assistance programs at no cost, helping Macon County seniors access every dollar of savings they are entitled to.
Extra Help, also called the Low Income Subsidy, can lower Part D prescription drug costs to near $0 per month for qualifying Macon County residents based on income and asset limits.
Medicare Savings Programs administered through NC Medicaid can cover Part B premiums and cost-sharing for eligible Macon County beneficiaries who meet income requirements.
The Healthy Blue Medicare DSNP is available to Macon County residents who qualify for both Medicare and Medicaid, providing coordinated zero-premium coverage through Mission Health HCA network providers.
NC Medicaid may provide additional benefits for low-income Macon County residents who do not yet qualify for Medicare, helping bridge coverage gaps until Medicare eligibility begins.
Health Plans of NC licensed agents check eligibility for Extra Help, Medicare Savings Programs, and D-SNP enrollment at no cost, making it easy for Macon County seniors to apply without navigating the process alone.
Health Plans of NC licensed agents serve Macon County residents at no cost, comparing every available Medicare plan side by side and guiding seniors through enrollment, plan changes, and eligibility questions with no pressure. Call 800-797-0327 today to speak with a local agent who knows Macon County providers and can help you find the right plan for 2026.
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 Macon 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
Macon County ZIP Codes include: 28734, 28741, 28744, 28763, 28775, and 28781
