Live Worry-Free. Find the Right Medicare Plan in NC. in Montgomery County
North Carolina
in North Carolina
Montgomery County, NC residents have access to 8 Medicare plans for 2026 through Blue Cross NC, and Health Plans of NC licensed agents are available to compare every option side-by-side at no cost, with coverage built around local providers including Atrium Health Montgomery.
Montgomery County is home to approximately 25,874 residents, of whom around 6,000 (21.8%) are Medicare-eligible and can choose from several types of coverage for 2026. Local care is anchored by Atrium Health Montgomery in Troy, with additional access to regional facilities including First Health Moore Regional Hospital in Pinehurst and Rockingham through Medicare-accepting networks. Coverage types available to Montgomery County seniors include Medicare Advantage HMO, HMO-POS, and PPO plans, a Dual Special Needs Plan for those on both Medicare and Medicaid, and a standalone Part D Prescription Drug Plan.
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 | $47.00/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 in Montgomery County offer structured network coverage built around local providers including Atrium Health Montgomery in Troy.
Medicare Advantage HMO-POS plans give Montgomery County seniors in-network savings with added flexibility to seek care outside the network when needed at local or regional facilities.
Medicare Advantage PPO plans allow Montgomery County residents broader access to providers including regional systems in Pinehurst and Rockingham without a referral requirement.
Medicare Supplement (Medigap) plans work alongside Original Medicare and allow Montgomery County residents to use any provider nationwide that accepts Medicare, including Charlotte-area systems.
Part D Prescription Drug Plans provide standalone drug coverage for Montgomery County seniors enrolled in Original Medicare or a Medicare Supplement policy, including access to pharmacies in Troy, Biscoe, and Candor.
Dual Special Needs Plans (D-SNP) are available in Montgomery County for residents who qualify for both Medicare and Medicaid, coordinating benefits through a single plan connected to local providers.
Blue Cross NC offers eight Medicare plans to eligible Montgomery County residents for 2026, covering a range of plan types from $0-premium HMO options to PPO and standalone drug plans with varying cost structures. Each plan's network is built to include local and regional providers, making it important for Montgomery County seniors to verify that their specific physicians and facilities participate before enrolling. Health Plans of NC agents can confirm network participation for each of these plans at no cost to the resident.
Blue Medicare Medical Only, HMO-POS, $0.00 per month, provides Medicare Advantage coverage tied to local and regional provider networks serving Montgomery County.
Blue Medicare Essential, HMO, $0.00 per month, offers structured network access for Montgomery County seniors seeking a no-premium Medicare Advantage option through Blue Cross NC.
Blue Medicare Essential Plus, HMO-POS, $0.00 per month, adds point-of-service flexibility to the Essential plan structure for Montgomery County enrollees needing occasional out-of-network access.
Blue Medicare Enhanced, HMO-POS, $47.00 per month, delivers enhanced benefits and point-of-service access for Montgomery County residents who want richer coverage at a modest monthly premium.
Blue Medicare PPO Enhanced, PPO, $53.00 per month, gives Montgomery County seniors the broadest network flexibility among Medicare Advantage options, including access to regional facilities without referrals.
Blue Medicare Freedom+, HMO-POS, $0.00 per month, combines a no-premium structure with point-of-service access for Montgomery County residents who want added flexibility at no extra monthly cost.
Healthy Blue Medicare DSNP, HMO-POS, $0.00 per month, is a Dual Special Needs Plan available to Montgomery County residents who qualify for both Medicare and Medicaid, coordinating full benefits at no monthly premium.
Blue Medicare Rx Enhanced PDP, standalone Prescription Drug Plan, $163.20 per month, covers prescription costs for Montgomery County seniors enrolled in Original Medicare or a Medigap policy, with access to pharmacies in Troy, Biscoe, and Candor.
For 2026, Medicare Advantage plan premiums in Montgomery County range from $0.00 per month for plans such as Blue Medicare Essential and Blue Medicare Freedom+ to $53.00 per month for the Blue Medicare PPO Enhanced, giving residents meaningful flexibility based on their budget and care preferences. The standalone Blue Medicare Rx Enhanced PDP carries a monthly premium of $163.20 for those who need prescription drug coverage outside of a Medicare Advantage plan. Montgomery County's median household income of $55,849 means that many residents may qualify for federal cost-reduction programs that lower or eliminate out-of-pocket Medicare expenses, and Health Plans of NC agents can assess eligibility at no cost.
Part A: $0 premium for most Montgomery 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 sole Medicare carrier offering plans to eligible residents of Montgomery County for 2026, with a total of 8 plans available across multiple coverage types. Those plan types include Medicare Advantage HMO, HMO-POS, and PPO structures, a Dual Special Needs Plan (D-SNP), and a standalone Part D Prescription Drug Plan, giving Montgomery County seniors a range of options within a single carrier. Blue Cross NC's carrier network in Montgomery County is built around Atrium Health Montgomery in Troy as well as regional First Health system facilities in Pinehurst and Rockingham, ensuring that plan enrollees have access to both local and nearby specialist care. The specific plan type a Montgomery County senior selects determines which local primary care physicians, specialists, and hospital facilities can be accessed at in-network cost-sharing levels, making this choice especially consequential in a rural county with limited provider options. Health Plans of NC agents compare every Blue Cross NC Medicare plan available in Montgomery County side-by-side at no cost, helping residents avoid coverage gaps and find the plan that best fits their local provider relationships.
Blue Cross NC, offering Medicare Advantage HMO, HMO-POS, PPO, D-SNP, and Part D PDP plan types, with 8 total plans available in Montgomery County for 2026.
Montgomery County's uninsured rate of 13.1% and poverty rate of 16.1% reflect a community where financial assistance programs can make a significant difference for Medicare-eligible residents struggling with prescription and premium costs. Extra Help, also known as the Low Income Subsidy, is a federal program that can reduce Part D prescription drug costs to near $0 for qualifying Montgomery County seniors based on their income and resources. Medicare Savings Programs may cover the Part B premium entirely for eligible residents, and the Healthy Blue Medicare DSNP plan at $0.00 per month is available for those who qualify for both Medicare and Medicaid. Health Plans of NC agents check eligibility for every available assistance program at no cost, ensuring Montgomery County residents do not leave money-saving benefits on the table.
Extra Help (Low Income Subsidy) can reduce or eliminate Part D prescription drug costs for qualifying Montgomery County seniors with limited income and resources.
Medicare Savings Programs may pay the monthly Part B premium on behalf of eligible low-income Montgomery County residents enrolled in Original Medicare.
The Healthy Blue Medicare DSNP is available to Montgomery County residents who qualify for both Medicare and Medicaid, coordinating full benefits at a $0.00 monthly premium.
NC Medicaid may provide additional coverage for low-income Montgomery County residents who do not yet qualify for Medicare or need supplemental assistance.
Health Plans of NC agents can screen Montgomery County residents for all available assistance programs at no cost and assist with the application process during enrollment.
Health Plans of NC licensed agents serve Montgomery County residents at no cost, comparing every available 2026 Medicare plan side-by-side to help with enrollment, plan changes, and financial assistance eligibility. Call 800-797-0327 today to speak with a local agent who understands the providers, plans, and programs available in Montgomery 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 Montgomery 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 Anson | 2301 US Highway 74 W, Wadesboro, NC 28170 | (704) 994-4500 |
Betsy Johnson Hospital | 800 Tilghman Dr, Dunn, NC 28334 | (910) 892-1000 |
Cape Fear Valley Medical Ctr | 1638 Owen Dr, Fayetteville, NC 28304 | (910) 615-4000 |
Central Carolina Hospital | 1135 Carthage St, Sanford, NC 27330 | (919) 774-2100 |
Central Harnett Hospital | 215 Brightwater Dr, Lillington, NC 27546 | (910) 892-1000 |
Fayetteville VA Hosp Med Ctr | 2300 Ramsey St, Fayetteville, NC 28301 | (910) 488-2120 |
First Health Montgomery Meml | 520 Allen St, Troy, NC 27371 | (910) 571-5000 |
First Health Moore Regl Hosp-Hk | 6408 Fayetteville Rd, Raeford, NC 28376 | (910) 878-6000 |
First Health Moore Regl Hosp | 155 Memorial Dr, Pinehurst, NC 28374 | (910) 715-1000 |
First HealthMoore Regl Hosp | 925 S Long Dr, Rockingham, NC 28379 | (910) 417-3000 |
Highsmith-Rainey Spec Hosp | 150 Robeson St, Fayetteville, NC 28301 | (910) 615-1000 |
Hoke Hospital | 210 Medical Pavilion Dr, Raeford, NC 28376 | (910) 904-8000 |
Scotland Memorial Hospital | 500 Lauchwood Dr, Laurinburg, NC 28352 | (910) 291-7000 |
Womack Army Medical Ctr | 2817 Reilly St, Fort Bragg, NC 28310 | (910) 907-6000 |
Clinic | Address | Phone |
|---|---|---|
Alamance Ear Nose & Throat LLP | 4030 Oaks Professional Pkwy # 201, Burlington, NC 27215 | (336) 226-0660 |
Alamance Regional Medical Ctr | 1240 Huffman Mill Rd, Burlington, NC 27215 | (336) 538-7000 |
Alamance Regional Pain Clinic | 1236 Huffman Mill Rd # 2000, Burlington, NC 27215 | (336) 538-7180 |
Bethany Medical At North Main | 819 N Main St # 112, High Point, NC 27262 | (336) 289-2299 |
Bethany Medical At South Main | 2805 S Main St, High Point, NC 27263 | (336) 289-2727 |
Bethany Medical Ctr | 3604 Peters Ct, High Point, NC 27265 | (336) 883-0029 |
Bethany Medical Ctr | 3801 W Market St, Greensboro, NC 27407 | (336) 883-0029 |
Bethany Medical Ctr | 507 N Lindsay St, High Point, NC 27262 | (336) 883-0029 |
Central Carolina Health Ntwrk | 1 Centerview Dr # 202, Greensboro, NC 27407 | (336) 292-0665 |
Chapel Hill Obstetrics-Gynclgy | 6216 Fayetteville Rd, Durham, NC 27713 | (919) 942-8571 |
Clinical Choice | 7300 Cessna Dr, Greensboro, NC 27409 | (336) 550-4180 |
Cone Health Covid-19 Testing | 1238 Huffman Mill Rd, Burlington, NC 27215 | (336) 890-1140 |
Cone Health Covid-19 Testing | 1830 Lendew St, Greensboro, NC 27408 | (336) 890-1140 |
Cone Health Covid-19 Testing | 2363 Corporation Pkwy, Burlington, NC 27215 | (336) 890-1140 |
Cone Health Covid-19 Testing | 525 Maple Ave, Reidsville, NC 27320 | (336) 890-1140 |
Cone Health Covid-19 Testing | 617 S Main St, Reidsville, NC 27320 | (336) 890-1140 |
Cone Health Ctr For Maternal | 930 3rd St # 200, Greensboro, NC 27405 | (336) 890-3255 |
Cone Health Mebane Physical | 102 Medical Park Dr, Mebane, NC 27302 | (919) 304-5060 |
Cone Health Medcenter Mebane | 3940 Arrowhead Blvd # 110, Mebane, NC 27302 | (919) 568-7300 |
Cone Health Outpatient Rehab | 618 S Main St Inside Annie Pen, Reidsville, NC 27320 | (336) 951-4000 |
Cone Health Sleep Disorders | 509 N Elam Ave # 300-D, Greensboro, NC 27403 | (336) 832-0410 |
Cone Health Women's-Children's | 1121 N Church Street Entrance, Greensboro, NC 27401 | (336) 832-6500 |
Duke Cancer Ctr Acute Care | 20 Duke Medicine Cir, Durham, NC 27710 | (919) 668-6608 |
Duke Cancer Ctr Radiation | 20 Duke Medicine Cir, Durham, NC 27710 | (919) 660-2100 |
Duke Children's Health Ctr | 2301 Erwin Rd # 34ththfloor, Durham, NC 27705 | (919) 613-7777 |
Duke Health | 234 Crooked Creek Pkwy # 500, Durham, NC 27713 | (919) 684-3834 |
Duke Pediatric Dermatology | 5324 Mcfarland Rd # 410, Durham, NC 27707 | (919) 684-3432 |
Duke University Med Ctr Gen | , Durham, NC 27701 | (919) 684-2410 |
Duke University Med Ctr Gen | , Durham, NC 27710 | (919) 681-4722 |
Duke University Med Ctr Gen | PO Box 90950, Durham, NC 27708 | (919) 681-2020 |
Duke Wound Mgmt Clinic-Clinic | 40 Duke Medicine Cir, Durham, NC 27710 | (919) 684-3432 |
Health Center Of Hillsborough | 401 Meadowlands Dr # 101, Hillsborough, NC 27278 | (919) 241-5032 |
Lebauer Healthcare At Green | 709 Green Valley Rd, Greensboro, NC 27408 | (336) 547-1792 |
Lebauer Healthcare Grandover | 4023 Guilford College Rd, Greensboro, NC 27407 | (336) 890-2040 |
Lebauer Primary Care At Elam | 520 N Elam Ave, Greensboro, NC 27403 | (336) 547-1792 |
Renaissance Family Medicine | 2525c Phillips Ave, Greensboro, NC 27405 | (336) 832-7711 |
Sleep Disorders Ctr At | 1248 Huffman Mill Rd # 101, Burlington, NC 27215 | (866) 937-6692 |
UNC At Chapel Hill Medical Ctr | Cb 7010, Chapel Hill, NC 27599 | (919) 966-5136 |
UNC Hospitals Lab Hillsborough | 460 Waterstone Dr # Firstfloor, Hillsborough, NC 27278 | (919) 595-5970 |
UNC Hospitals Multispecialty | 101 Manning Dr # Firstfloor, Chapel Hill, NC 27514 | (984) 974-0150 |
University-NC-Health Care | 100 Sprunt St, Chapel Hill, NC 27517 | (919) 966-5500 |
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
Montgomery County ZIP Codes include: 27209, 27229, 27247, 27306, 27356, and 27371
