Live Worry-Free. Find the Right Medicare Plan in NC. in Surry County
North Carolina
in North Carolina
Surry County, NC residents have access to 8 Medicare plans for 2026 through Blue Cross NC, and Health Plans of NC licensed agents can compare every available option at no cost to help you find the right coverage near providers like Northern Regional Hospital in Mount Airy and Hugh Chatham Memorial Hospital in Elkin.
Surry County is home to approximately 15,000 Medicare-eligible residents, representing 20.6% of the county's total population of 71,407, and those residents have access to several distinct types of Medicare coverage for 2026. Local healthcare anchors including Northern Regional Hospital in Mount Airy and Hugh Chatham Memorial Hospital in Elkin accept Medicare, and Surry County beneficiaries also have access to larger regional systems such as Atrium Health Wake Forest Baptist in Winston-Salem. Coverage options range from Medicare Advantage plans that bundle hospital and medical benefits to standalone prescription drug plans and supplemental policies that fill Original Medicare gaps.
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 from Blue Cross NC allow Surry County residents to access coordinated care through local providers including Northern Regional Hospital in Mount Airy.
Medicare Advantage HMO-POS plans offer Surry County beneficiaries the flexibility to receive care both in-network and at select out-of-network facilities like Hugh Chatham Memorial Hospital in Elkin.
Medicare Advantage PPO plans give Surry County residents broader provider access, including the ability to see specialists at Atrium Health Wake Forest Baptist without a referral requirement.
Medicare Supplement (Medigap) plans work alongside Original Medicare and allow Surry County beneficiaries to use any provider nationwide that accepts Medicare, including major regional systems.
Part D Prescription Drug Plans provide standalone drug coverage for Surry County residents who prefer to keep Original Medicare and need help managing medication costs.
Dual Special Needs Plans (D-SNP) are available for Surry County residents who qualify for both Medicare and Medicaid, offering coordinated benefits through Blue Cross NC.
Blue Cross NC offers eight Medicare plans in Surry County for 2026, spanning HMO, HMO-POS, PPO, PDP, and D-SNP plan types to serve a wide range of beneficiary needs and provider preferences. Several plans carry a $0 monthly premium beyond Part B, making them accessible options for residents who want to keep Northern Regional Hospital or Hugh Chatham Memorial Hospital within their network. The Blue Cross NC provider network in western North Carolina also connects to larger regional systems including Atrium Health Wake Forest Baptist and Novant Health Forsyth Medical Center, depending on the plan selected.
Blue Medicare Medical Only, HMO-POS, $0.00 per month, provides hospital and medical coverage through the Blue Cross NC network serving Surry County facilities.
Blue Medicare Essential, HMO, $0.00 per month, offers coordinated care through in-network providers including local hospitals and primary care clinics in the Mount Airy and Elkin areas.
Blue Medicare Essential Plus, HMO-POS, $0.00 per month, combines in-network HMO coordination with point-of-service flexibility for Surry County beneficiaries who occasionally need out-of-network care.
Blue Medicare Enhanced, HMO-POS, $40.00 per month, delivers an enhanced benefit package through the Blue Cross NC network with access to local Surry County providers and select regional specialists.
Blue Medicare PPO Enhanced, PPO, $53.00 per month, gives Surry County residents broader provider access across the Blue Cross NC PPO network, including facilities outside the immediate county area.
Blue Medicare Freedom+, HMO-POS, $0.00 per month, offers point-of-service flexibility at a $0 premium for Surry County residents who want coverage at both local and regional Blue Cross NC providers.
Healthy Blue Medicare DSNP, HMO-POS, $0.00 per month, is designed for Surry County residents who are enrolled in both Medicare and Medicaid and coordinates benefits across both programs.
Blue Medicare Rx Enhanced PDP, standalone Part D Prescription Drug Plan, $163.20 per month, provides drug coverage for Surry County residents who wish to pair a standalone plan with Original Medicare or a Medigap policy.
For 2026, Surry County residents can choose from Blue Cross NC Medicare Advantage plans with monthly premiums ranging from $0 for plans like Blue Medicare Essential and Blue Medicare Freedom+ to $53.00 per month for Blue Medicare PPO Enhanced, giving beneficiaries meaningful options at multiple price points. The county's median household income of $56,095 means that out-of-pocket costs and plan premiums can represent a significant share of a fixed retirement budget, making it especially valuable to compare total annual cost rather than premium alone. Residents whose income falls below program thresholds may qualify for cost-reduction programs that can substantially lower or eliminate drug plan premiums, and a Health Plans of NC agent can assess eligibility at no charge.
Part A: $0 premium for most Surry 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 offering plans to Surry County residents for 2026, with a total of 8 plans available across multiple coverage categories. Those plan types include Health Maintenance Organization (HMO), HMO with Point-of-Service (HMO-POS), Preferred Provider Organization (PPO), a standalone Prescription Drug Plan (PDP), and a Dual Special Needs Plan (D-SNP) for residents who qualify for both Medicare and Medicaid. The Blue Cross NC provider network in western North Carolina includes key local facilities such as Northern Regional Hospital at 830 Rockford St in Mount Airy and Hugh Chatham Memorial Hospital at 180 Parkwood Dr in Elkin, as well as access to larger regional systems including Atrium Health Wake Forest Baptist at 1 Medical Center Blvd in Winston-Salem and Novant Health Forsyth Medical Center at 3333 Silas Creek Pkwy in Winston-Salem. The plan type a Surry County beneficiary selects has a direct impact on which local hospitals, primary care physicians, and specialists they can visit without paying out-of-network rates, making carrier network verification a critical step before enrollment. Health Plans of NC agents compare every Blue Cross NC Medicare plan available in Surry County side by side at no cost, helping residents match their provider relationships and budget to the right plan.
Blue Cross NC, offering Medicare Advantage HMO, HMO-POS, PPO, standalone Part D PDP, and D-SNP plans, with 8 total plans available in Surry County for 2026.
Surry County's uninsured rate of 11.9% and poverty rate of 16.7% indicate that a meaningful share of county residents may qualify for federal and state programs that reduce Medicare costs. The Extra Help program, also called the Low Income Subsidy, can reduce Part D prescription drug costs to near $0 per month for beneficiaries who meet income and asset limits, while Medicare Savings Programs can cover the Part B premium and other cost-sharing for qualifying residents. Surry County residents who are enrolled in both Medicare and Medicaid may be eligible for the Healthy Blue Medicare D-SNP, which coordinates benefits across both programs and often reduces out-of-pocket expenses significantly. Health Plans of NC agents check eligibility for all available assistance programs at no cost, helping Surry County residents access every dollar of savings they qualify for.
Extra Help (Low Income Subsidy) can reduce Part D prescription drug plan premiums and copays for eligible Surry County residents who meet federal income and asset thresholds.
Medicare Savings Programs offered through NC Medicaid can pay the monthly Part B premium and reduce cost-sharing for qualifying low-income Surry County beneficiaries.
The Healthy Blue Medicare D-SNP is available for Surry County residents enrolled in both Medicare and Medicaid, offering coordinated coverage at a $0 monthly plan premium.
NC Medicaid may provide additional coverage for low-income Surry County residents who do not yet qualify for Medicare or who need benefits beyond what Medicare covers.
Health Plans of NC agents review eligibility for Extra Help, Medicare Savings Programs, and D-SNP enrollment for Surry County residents at no cost and with no obligation to enroll.
Health Plans of NC licensed agents serve Surry County residents at no cost, comparing all 8 available Medicare plans side by side to help you find coverage that fits your providers, your prescriptions, and your budget. Call 800-797-0327 today to speak with an agent who can guide you through enrollment, annual plan changes, and financial assistance options specific to Surry 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 Surry 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 |
|---|---|---|
Alleghany Memorial Hospital | 233 Doctors St, Sparta, NC 28675 | (336) 372-5511 |
Ashe Memorial Hospital | 200 Hospital Ave, Jefferson, NC 28640 | (336) 846-7101 |
Atrium Health Wake Forest Bapt | 1 Medical Center Blvd, Winston Salem, NC 27157 | (336) 713-4500 |
Atrium Health Wake Forest Bapt | 1 Medical Center Blvd, Winston Salem, NC 27157 | (336) 716-2011 |
Atrium Health Wake Forest Bapt | 1370 W D St, North Wilkesboro, NC 28659 | (336) 651-8100 |
Atrium Health Wake Forest Bapt | Medical Center Blvd, Winston Salem, NC 27157 | (336) 716-2011 |
Atrium Health Wake Forrest | 250 Hospital Dr, Lexington, NC 27292 | (336) 248-5161 |
Davie Medical Ctr | 329 NC Highway 801 N, Bermuda Run, NC 27006 | (336) 998-1300 |
Hugh Chatham Memorial Hospital | 180 Parkwood Dr, Elkin, NC 28621 | (336) 527-7000 |
Lifebrite Community Hosp-Stks | 1570 NC 8 And 89 Hwy N, Danbury, NC 27016 | (336) 593-2831 |
Northern Regional Hospital | 830 Rockford St, Mount Airy, NC 27030 | (336) 719-7000 |
Novant Health Forsyth Med Ctr | 3333 Silas Creek Pkwy, Winston Salem, NC 27103 | (336) 718-5000 |
Novant Health Kernersville Med | 1750 Kernersville Medical Pkwy, Kernersville, NC 27284 | (336) 564-4000 |
Novant Health Med Park Hosp | 1950 S Hawthorne Rd, Winston Salem, NC 27103 | (336) 718-0785 |
Novant Health Rehab Hosp An | 2475 Hillcrest Center Cir, Winston Salem, NC 27103 | (336) 754-3500 |
Novant Health Thomasville Med | 207 Old Lexington Rd, Thomasville, NC 27360 | (336) 472-2000 |
Old Vineyard Behavioral Health | 3637 Old Vineyard Rd, Winston Salem, NC 27104 | (336) 794-3550 |
Stokes Reynolds Meml Hosp Inc | , Danbury, NC 27016 | (336) 593-5356 |
Watauga Medical Ctr | 336 Deerfield Rd, Boone, NC 28607 | (828) 262-4100 |
Clinic | Address | Phone |
|---|---|---|
Appalachian Regional | 194 Doctors Dr, Boone, NC 28607 | (828) 386-2663 |
Appalachian Regional | 200 Hospital Ave # 6, Jefferson, NC 28640 | (828) 386-2663 |
Atrium Health Wake Forest Bapt | 10 Medical Park Dr # 1, Lexington, NC 27292 | (336) 716-9253 |
Bethany Medical Ctr | 1908 Caudle Dr # 100, Mount Airy, NC 27030 | (336) 883-0029 |
Boone Urology Ctr | 400 Shadowline Dr # 103-104, Boone, NC 28607 | (828) 264-5150 |
Cone Health Medcenter Krnrsvll | 1635 N Carolina Highway 66 S, Kernersville, NC 27284 | (336) 992-5100 |
Cone Health Medcenter Krnrsvll | 1635 NC 66 S, Kernersville, NC 27284 | (336) 992-5100 |
Cone Health Outpatient Rehab | 1635 N Carolina 66 # 255, Kernersville, NC 27284 | (336) 992-4820 |
Department Of Emergency Med | Medical Center Blvd, Winston Salem, NC 27157 | (336) 716-4625 |
Harmony Center For Women | 381 Deerfield Rd, Boone, NC 28607 | (828) 268-8970 |
Hoots Memorial Hospital | , Yadkinville, NC 27055 | (336) 679-6728 |
Lexington Medical Ctr | 811 W Main St, Lexington, NC 27293 | (803) 936-7203 |
Lung Center | 870 State Farm Rd # 100, Boone, NC 28607 | (828) 386-2746 |
Novant Health Bariatric Sltns | 760 Highland Oaks Dr # 200, Winston Salem, NC 27103 | (336) 277-4380 |
Novant Health Ortho-Sports | 7138 Village Medical Cir, Clemmons, NC 27012 | (336) 893-2400 |
Sneak-A-Peek | 2501 Neudorf Rd, Clemmons, NC 27012 | (336) 247-5141 |
Thomasville Medical Ctr | 6233 Denton Rd, Thomasville, NC 27360 | (336) 476-2537 |
Wake Forest Bapt Health Davie | 329 N Carolina Highway 801 N, Bermuda Run, NC 27006 | (336) 998-1300 |
Watauga Medical Ctr Outpatient | 1200 State Farm Rd, Boone, NC 28607 | (828) 262-4153 |
WFU Baptist Medical Ctr | Medical Center Blvd, Winston Salem, NC 27157 | (336) 713-7700 |
WFU Baptist Medical Ctr | Orthopaedic Surgery, Winston Salem, NC 27157 | (336) 716-2093 |
WFUBMC | 1450 Professional Park Dr, Winston Salem, NC 27103 | (336) 659-2701 |
Wilkes Regional Med Ctr Axlry | 500 Courthouse Dr, Wilkesboro, NC 28697 | (336) 651-8100 |
Wilkes Regional Medical Ctr | 1370 W D St, North Wilkesboro, NC 28659 | (336) 651-8100 |
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
Surry County ZIP Codes include: 27007, 27017, 27024, 27030, 27031, 27041, 27047, 27049, 28621, 28676, and 28683
