Live Worry-Free. Find the Right Medicare Plan in NC. in Union County
North Carolina
in North Carolina
Health Plans of NC helps Union County, NC residents navigate all 8 available Medicare plans for 2026, connecting beneficiaries with coverage that fits their needs through local health systems like Atrium Health Union in Monroe.
Union County, North Carolina is home to approximately 32,000 Medicare-eligible residents, representing 13.2% of the county's total population of 244,975. These residents can choose from multiple Medicare coverage categories, all of which are accepted at major local health systems including Atrium Health Union in Monroe and Novant Health Monroe Medical Center. From managed care Medicare Advantage plans to flexible Medicare Supplement policies and standalone drug coverage, Union County beneficiaries have a full range of options to match their healthcare needs.
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 in Union County provide managed care coverage through local networks that include Atrium Health Union and Novant Health Monroe Medical Center.
Medicare Advantage HMO-POS plans offer the structure of an HMO with some out-of-network access, giving Union County residents added flexibility when visiting regional facilities.
Medicare Advantage PPO plans allow Union County beneficiaries to see both in-network and out-of-network Medicare-accepting providers with no referral requirement.
Medicare Supplement (Medigap) plans work alongside Original Medicare and can be used at any Medicare-accepting provider, including hospitals throughout the greater Charlotte region.
Part D Prescription Drug Plans provide standalone drug coverage for Union County residents enrolled in Original Medicare or a Medicare Supplement plan.
Dual Special Needs Plans (D-SNP) are available in Union County for residents who qualify for both Medicare and Medicaid, coordinating benefits across both programs.
Blue Cross NC offers eight Medicare plans in Union County for 2026, spanning HMO, HMO-POS, PPO, PDP, and D-SNP plan types, each with access to a defined network of local providers. Several plans carry a $0 monthly premium and include coverage at key Union County facilities, while others offer enhanced benefits at a modest additional premium. Residents should review each plan's network and formulary carefully to ensure their preferred providers at Atrium Health Union or Novant Health Monroe Medical Center are included before enrolling.
Blue Medicare Medical Only, HMO-POS, $0.00 per month, provides managed care coverage connected to the Blue Cross NC provider network in Union County including Atrium Health Union.
Blue Medicare Essential, HMO, $0.00 per month, offers a structured HMO plan with $0 premium and access to in-network facilities such as Atrium Health Union in Monroe.
Blue Medicare Essential Plus, HMO-POS, $0.00 per month, combines $0 premium with point-of-service flexibility for Union County residents who occasionally need to see out-of-network providers.
Blue Medicare Enhanced, HMO-POS, $40.00 per month, delivers an elevated benefit package through the HMO-POS structure for Union County beneficiaries seeking more comprehensive coverage.
Blue Medicare PPO Enhanced, PPO, $53.00 per month, gives Union County residents the broadest network flexibility among Medicare Advantage plans, including access to specialists at regional hospitals without a referral.
Blue Medicare Freedom+, HMO-POS, $0.00 per month, provides Union County seniors with $0 premium coverage and the option to seek care outside the primary HMO network when needed.
Healthy Blue Medicare DSNP, HMO-POS, $0.00 per month, is designed for Union County residents who qualify for both Medicare and Medicaid, coordinating benefits across both programs at no monthly premium.
Blue Medicare Rx Enhanced PDP, standalone Part D plan, $163.20 per month, provides prescription drug coverage for Union County residents enrolled in Original Medicare or a Medicare Supplement plan.
For 2026, Medicare Advantage plan premiums in Union County range from $0.00 per month for plans like Blue Medicare Essential and Blue Medicare Freedom+ to $53.00 per month for the Blue Medicare PPO Enhanced, giving residents options across a wide budget spectrum. Union County's median household income of $99,243 means many residents fall above the income thresholds that trigger Income-Related Monthly Adjustment Amount surcharges, making it important to plan ahead for premium costs and evaluate total annual out-of-pocket exposure across plan types. Comparing plan premiums against each plan's maximum out-of-pocket limit and drug formulary is essential, and Health Plans of NC can provide a side-by-side cost comparison at no charge to help Union County beneficiaries make the most financially sound decision.
Part A: $0 premium for most Union 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 Union County residents for 2026, with a total of 8 plans available spanning HMO, HMO-POS, PPO, standalone Part D prescription drug, and Dual Special Needs Plan (D-SNP) types. The Blue Cross NC Medicare Advantage network in Union County includes key local facilities such as Atrium Health Union in Monroe and Novant Health Monroe Medical Center, giving beneficiaries access to the county's primary hospital systems. Residents who regularly visit specialists at Atrium Health Cabarrus in Concord, Novant Health Presbyterian Medical Center in Charlotte, or Carolinas Rehabilitation should carefully verify in-network status before selecting a plan, as network restrictions vary across HMO and PPO products. Choosing the wrong plan type could limit access to preferred regional facilities or result in higher cost-sharing when care is needed outside the primary network. Health Plans of NC compares every available Blue Cross NC Medicare plan in Union County side-by-side at no cost to the beneficiary, ensuring residents find coverage that aligns with their providers and prescriptions.
Blue Cross NC, offers Medicare Advantage HMO, HMO-POS, and PPO plans, a standalone Part D prescription drug plan, and a D-SNP, with 8 total plans available in Union County for 2026.
Union County residents with limited incomes may qualify for Extra Help, also called the Low Income Subsidy, which can reduce Part D prescription drug costs to near $0 per month and lower copayments on covered medications. Medicare Savings Programs can help eligible residents cover the cost of Part B premiums and other cost-sharing, providing meaningful relief for those on fixed incomes. Union County's uninsured rate of 7.9% and poverty rate of 7.7% indicate that a meaningful share of residents may be eligible for these programs but unaware of the benefits available to them. Health Plans of NC agents check eligibility for every available assistance program at no cost, ensuring Union County residents are not leaving financial relief on the table.
Extra Help (Low Income Subsidy) can reduce Part D prescription drug plan costs significantly for eligible Union County residents who meet income and asset requirements.
Medicare Savings Programs can cover Part B premiums and reduce other Medicare cost-sharing for qualifying low-income Union County beneficiaries.
The Healthy Blue Medicare D-SNP is available to Union County residents who qualify for both Medicare and Medicaid, coordinating benefits across both programs at no monthly premium.
NC Medicaid may provide additional coverage for low-income Union County residents who do not yet qualify for Medicare or who need supplemental benefits.
Health Plans of NC agents help Union County residents apply for Extra Help, Medicare Savings Programs, and D-SNP enrollment at absolutely no cost or obligation.
Health Plans of NC licensed agents serve Union County residents at no cost, comparing every available Medicare plan side-by-side and guiding beneficiaries through enrollment, plan changes, and assistance program applications. Call 800-797-0327 today to speak with a local agent who knows the Union County Medicare landscape and can help you find the plan that best fits your health needs and budget.
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 Union 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
Union County ZIP Codes include: 28079, 28103, 28104, 28108, 28110, 28111, 28112, 28173, and 28174
