Live Worry-Free. Find the Right Medicare Plan in NC. in Rowan County
North Carolina
in North Carolina
Health Plans of NC helps Rowan County, NC residents compare all 8 Medicare plans available for 2026, including options through Blue Cross NC that connect beneficiaries to local care at Novant Health Rowan Medical Center and beyond.
Rowan County, NC is home to approximately 26,000 Medicare-eligible residents, representing 17.5% of the county's total population of 148,487, and all major coverage types are available to them for 2026. Local health systems including Novant Health Rowan Medical Center, the Salisbury VA Health Care Center, and Atrium Health all accept Medicare, giving beneficiaries access to hospital, specialty, and primary care close to home. Coverage options range from Medicare Advantage HMO and HMO-POS plans to PPO plans, standalone Part D prescription drug plans, a Dual Special Needs Plan for those on both Medicare and Medicaid, and Medicare Supplement policies that work alongside 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 | $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 Rowan County through Blue Cross NC, with network access built around Novant Health Rowan Medical Center and affiliated primary care clinics.
Medicare Advantage HMO-POS plans offer the structure of an HMO with added flexibility for out-of-network use, connecting Rowan County residents to both local and regional providers.
Medicare Advantage PPO plans are available for 2026 and allow Rowan County beneficiaries to access specialists at facilities like Atrium Health Cabarrus or Iredell Memorial Hospital with greater flexibility.
Medicare Supplement (Medigap) plans work alongside Original Medicare and allow Rowan County residents to visit any Medicare-accepting provider nationwide, including major regional hospitals beyond Novant Health Rowan Medical Center.
Part D Prescription Drug Plans are available as standalone coverage for Rowan County residents on Original Medicare, with local pharmacies including CVS and Walgreens participating in plan networks.
The Dual Special Needs Plan (D-SNP) is available to Rowan County residents who qualify for both Medicare and Medicaid, coordinating benefits across both programs through a single plan.
Blue Cross NC offers eight Medicare plans in Rowan County for 2026, spanning HMO, HMO-POS, PPO, PDP, and D-SNP plan types, with several plans carrying a $0 monthly premium. Each plan connects Rowan County beneficiaries to a network of local providers, with HMO and HMO-POS plans generally centered on Novant Health Rowan Medical Center and affiliated clinics, while the PPO plan extends access to regional facilities. Residents with specific provider preferences or prescription needs should verify network and formulary details for each plan before enrolling.
Blue Medicare Medical Only, HMO-POS, $0.00 per month, provides hospital and medical coverage through a local provider network anchored by Novant Health Rowan Medical Center in Salisbury.
Blue Medicare Essential, HMO, $0.00 per month, bundles hospital and medical benefits into a single plan requiring Rowan County beneficiaries to use in-network primary care and specialist providers.
Blue Medicare Essential Plus, HMO-POS, $0.00 per month, adds point-of-service flexibility to the standard HMO structure, giving Rowan County residents limited access to out-of-network care when needed.
Blue Medicare Enhanced, HMO-POS, $40.00 per month, offers an elevated benefit package with point-of-service access, connecting Rowan County beneficiaries to Novant Health providers and select regional specialists.
Blue Medicare PPO Enhanced, PPO, $53.00 per month, provides the broadest in-network and out-of-network flexibility of the Medicare Advantage options, well-suited for Rowan County residents who need access to Atrium Health or Iredell Memorial Hospital.
Blue Medicare Freedom+, HMO-POS, $0.00 per month, combines a $0 premium with point-of-service flexibility, designed for Rowan County beneficiaries who want low-cost coverage with occasional out-of-network access.
Healthy Blue Medicare DSNP, HMO-POS, $0.00 per month, is a Dual Special Needs Plan for Rowan County residents enrolled in both Medicare and Medicaid, coordinating care across both programs.
Blue Medicare Rx Enhanced PDP, standalone Part D plan, $163.20 per month, provides prescription drug coverage for Rowan County residents on Original Medicare, with participating pharmacies including CVS and Walgreens locations throughout the county.
For 2026, Rowan County residents can choose from Medicare Advantage plans through Blue Cross NC ranging from $0.00 per month for plans like Blue Medicare Essential and Blue Medicare Freedom+ up to $53.00 per month for the Blue Medicare PPO Enhanced, with the standalone Blue Medicare Rx Enhanced PDP priced at $163.20 per month. Rowan County's median household income of $63,196 means that monthly plan costs, copays, and out-of-pocket maximums represent a meaningful share of many residents' budgets, making it important to compare total annual costs rather than premium alone. Residents whose income falls below federal thresholds may qualify for programs that reduce or eliminate these costs entirely, and Health Plans of NC can help identify which assistance programs apply to a given beneficiary's financial situation.
Part A: $0 premium for most Rowan 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 Rowan County for 2026, offering a total of 8 plans that cover every major Medicare coverage type available in the county. Those plan types include Medicare Advantage HMO, HMO-POS, and PPO structures, a standalone Part D Prescription Drug Plan, and a Dual Special Needs Plan designed for dual-eligible beneficiaries. Blue Cross NC's Medicare Advantage networks in Rowan County are built around key local providers, most notably Novant Health Rowan Medical Center at 612 Mocksville Ave in Salisbury, ensuring that most beneficiaries can access hospital and specialty care without leaving the area. The plan type a resident selects directly affects which doctors, specialists, and facilities are in network, and PPO enrollees may have access to regional hospitals such as Atrium Health Cabarrus and Iredell Memorial Hospital at a lower out-of-network cost than HMO enrollees. Health Plans of NC compares every Medicare plan available in Rowan County side by side at no cost to the beneficiary, helping residents identify the option that best fits their providers, prescriptions, and budget.
Blue Cross NC, Medicare Advantage HMO, HMO-POS, and PPO plans, standalone Part D PDP, and a D-SNP, 8 total plans available in Rowan County for 2026.
Rowan County residents with limited income and resources may qualify for the federal Extra Help program, also known as the Low Income Subsidy, which can reduce Part D prescription drug costs to near $0 per month. Medicare Savings Programs, administered through the state, can cover all or part of the monthly Part B premium for qualifying beneficiaries, providing significant ongoing relief for those whose budgets are stretched. With a county poverty rate of 15.8% and an uninsured rate of 10.2%, a meaningful share of Rowan County residents may be eligible for these programs without realizing it, and dual-eligible residents can enroll in the Healthy Blue Medicare DSNP to coordinate Medicare and Medicaid benefits in a single plan. Health Plans of NC agents check eligibility for all available assistance programs at no cost, helping Rowan County residents access every dollar of savings they are entitled to.
Extra Help (Low Income Subsidy) can reduce or eliminate Part D prescription drug plan costs for Rowan County residents who meet federal income and resource limits.
Medicare Savings Programs may cover the full monthly Part B premium for qualifying Rowan County beneficiaries, eliminating one of the largest fixed Medicare costs.
The Healthy Blue Medicare DSNP is available for Rowan County residents enrolled in both Medicare and Medicaid, coordinating benefits across both programs in a single $0-premium plan.
NC Medicaid may provide additional cost-sharing assistance for low-income Rowan County residents who qualify based on income, household size, and other eligibility factors.
Health Plans of NC licensed agents screen Rowan County residents for all available assistance programs at no cost and assist with the application process from start to finish.
Health Plans of NC licensed agents serve Rowan County residents at no cost, comparing all available Medicare plans side by side and helping with enrollment, plan changes, and assistance program applications. Call 800-797-0327 today to speak with a local agent who knows the providers, plans, and programs available right here in Rowan 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 Rowan 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
Rowan County ZIP Codes include: 27013, 27054, 28023, 28039, 28041, 28071, 28072, 28088, 28125, 28138, 28144, 28145, 28146, 28147, and 28159
