Find Your Most Affordable Health Insurance Plan in Madison County

Why Choose Blue Cross NC for Medicare?

Medicare Advantage, Medicare Supplemental, and Part D Rx Plans
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See the Doctor You Want

Blue Cross has a large network of providers, which means you have more options when it comes to choosing doctors and hospitals.

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Cost Savings

Blue Cross NC offers competitive pricing on Medicare plans, which can help you save money on healthcare costs.

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The Freedom to Change Plans

There are two opportunities for everyone to switch plans: October 15 to December 7 and January 1 to March 31. Talk to an agent for additional information and exceptions.

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Wellness Benefits

Blue Cross offers wellness benefits, such as fitness programs and wellness coaching, to help you maintain your health and prevent illness.

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Guaranteed Acceptance by Enrolling Early

Advantages include locking in rates, avoiding coverage gaps, wellness programs, and more.

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We Are Local

All of our agents are based in North Carolina and are dedicated to serving the people of this state.

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The A, B, C and D of Medicare

Medicare is a federal program to help people age 65 and older (or under age 65 who are Medicare-eligible) cover health care costs. It includes four types of coverage, labeled Parts A, B, C and D.

Part A – Hospital Insurance

  • Run by the federal government

  • Hospital care

  • Skilled nursing facility care

  • Hospice care

  • Home health services

Part B – Medical Insurance

  • Run by the federal government

  • Doctor visits

  • Preventative services

  • Ambulance services

  • Physical and speech therapy

Medicare Part C – Medicare Advantage

  • Part A benefits, including hospital visits, skilled nursing care and home health care

  • Part B benefits, such as doctor visits, outpatient care, screenings and lab tests

  • Prescription drug coverage (Part D coverage is included in most Medicare Advantage plans)

Medicare Part D – Medicare Prescription Drug Coverage

  • Help pay for prescription drugs including both brand-name and generic medications

  • A list of the drugs (also called a formulary) covered under the plan

  • A network of available pharmacies to choose from and mail order pharmacy services

Which Path is Best For You?

Compare paths 1 & 2 below

Path 1

Original Medicare




À La Carte Coverage


Accepted Nationwide


Enjoy travel & like customization


Path 2

Medicare Advantage


Insurance Company-Managed


Bundled Coverage


Accepted within a Network


Want extra benefits & need a spending cap

Blue Medicare Supplement

Blue Medicare Supplement from Blue Cross and Blue Shield of North Carolina
Blue Medicare Supplement

For North Carolina Beneficiaries Enrolled in Both Medicare Part A and Part B

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. Choose from a variety of Blue Medicare Supplement plans to find the plan that best fits your needs and your budget.

With Blue Medicare Supplement, You’ll Enjoy:

  • Coverage for the costs not covered by Original Medicare (Parts A and B)

  • The freedom to see any Medicare-participating provider nationwide

  • Rates as low as $381

  • Flexibility to change plans

  • A healthy aging and exercise program

  • A program for significant savings on hearing aids

Supplement Plans from Blue Cross NC: Discover the Benefit of Blue℠

Blue Medicare Supplement plans provide savings and peace of mind for more than 234,000 North Carolinians across our state.2 As North Carolina’s preferred health insurer,3 people depend on Blue Cross NC's large network of providers and 87 years of experience to provide the knowledge and expertise they need, right in their own backyard.

Blue-to-Blue ℠ : Built-In Flexibility

All Blue Medicare Supplement plans feature the freedom to switch Medicare Supplement plans at specific times throughout the year. If your needs or budget change, simply change plans without having to answer additional health questions.4

Guaranteed Acceptance

You cannot be turned down for Blue Medicare Supplement, and may not have to complete a medical questionnaire, if you meet the following criteria:

  • You are age 65 or older, or under age 65 and are eligible for Medicare due to disability5

  • 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

No Waiting Periods

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.

Stay Healthy With Silver&Fit ®

Most Blue Medicare Supplement plans include our healthy aging and exercise program, Silver&Fit. Enjoy a low-cost fitness membership at a fitness facility near you, or enroll in the Home Fitness Program and exercise in the comfort of your own home.6

TruHearing Program ®

TruHearing covers one hearing aid per ear per year for a low copay of $699 per TruHearing Advanced hearing aid or $999 per TruHearing Premium hearing aid. Also, as part of the program, a TruHearing provider will help you choose the best hearing aid for your lifestyle and unique hearing needs.7

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Madison County

in North Carolina


Seniors seeking a peaceful, affordable retirement destination will enjoy Madison County, North Carolina. It's a well-known retirement destination home to around 21,000, with nearly 25% of the population over 65. Activities include hiking, fishing, and visiting historical sites. The county also has several senior centers, like the Madison County Senior Center and the Hot Springs Senior Center, providing various programs and services for older adults. Seniors can access top-quality healthcare from various medical clinics or visit Mission Health System's CarePartners Rehabilitation Hospital.

Madison County has some lovely towns (zip codes 28743, 28754, and 28762). Marshall features a pleasant historical downtown where seniors can explore unique shops, visit excellent restaurants, and explore many art galleries. Mars Hill offers something for everyone: a vibrant arts and cultural scene and various outdoor recreational opportunities. Finally, Hot Springs is a beautiful choice for seniors seeking a smaller community with relaxing natural hot springs. 

Seniors also enjoy the county's affordability, with a median home value of $159,500, lower than the national average. Madison County boasts a lower cost of living than many other areas in the state, so it's attractive for seniors looking to stretch their retirement savings. In addition, with a low crime rate and a strong sense of community, it's a safe and welcoming county for seniors to call home.

Area Hospitals
  • 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

Area Medical Clinics
  • 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

  • Whiteville Medical Offices LLC, 1978 Hendersonville Rd # 130, Asheville, NC, 28803, Not Available

Medicare Common Questions

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  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 agent to learn more.

  2. 234,000; Blue Cross NC internal data for Medicare Advantage, Medicare Supplement and stand-alone Part D as of October 2020.

  3. Blue Cross NC Brand Tracking Study; Ipsos; July 2020.

  4. Members of plans sponsored by Blue Cross NC will be able to change to other plans available when they purchased their original plan. Certain limits apply.

  5. Guaranteed acceptance is limited to Plan A for those under age 65 who have Medicare due to disability.

  6. Disclaimer: The Silver&Fit program is provided by American Specialty Health Fitness, Inc. (ASH Fitness), a subsidiary of American Specialty Health Incorporated (ASH). The program is not part of a member’s policy or benefits, and is not available on our Plan G-HD. All programs and services are not available in all areas. Please make sure to talk to a doctor before starting or changing an exercise routine. Silver&Fit, Fit at Home and the Silver&Fit logo are trademarks of ASH. Other names or logos may be trademarks of their respective owners. Home kits are subject to change. Not all YMCAs participate in the network. ASH does not offer Blue Cross NC products or services. Not connected with or endorsed by the U.S. government or the federal Medicare program.

  7. Disclaimer: TruHearing is a registered trademark of TruHearing, Inc. TruHearing is an independent company and does not offer Blue Cross NC products or services. This program may change or be discontinued at any time.


  • 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, 12/18; Plan G: BMS G, 12/18; Plan G-HD: BMS HDG, 12/18; Plan K: BMS K, 12/18; Plan N: BMS N, 12/18.

  • Agent / Agency is an independent authorized Agent / Agency licensed to sell and promote products from Blue Cross and Blue Shield of North Carolina (Blue Cross NC). The content contained in this site is maintained by Agent / Agency. Neither Blue Cross NC nor its agents are connected with or endorsed by the U.S. government or the federal Medicare program.

Caution: Policy benefits are limited to those approved by Medicare for payment.

BLUE CROSS®, BLUE SHIELD®, the Cross and Shield symbols, and service marks are marks of the Blue Cross and Blue Shield Association, an association of independent Blue Cross and Blue Shield plans. All other trade names are property of their respective owners. Blue Cross NC an independent licensee of the Blue Cross and Blue Shield Association. U4093, 2023

We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact or 1-800-MEDICARE to get information on all of your options.

Madison County ZIP Codes include: 28743, 28753, and 28754

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