Medicare in Concord · Cabarrus County, NC
2026 Medicare Advantage Plans in Concord, NC
Cabarrus County offers 44 Medicare Advantage plans for 2026 across 6 carriers, with an average premium of $14.34/mo and 28 plans rated 4★ or higher by CMS.
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By the numbers · Cabarrus County
Quick facts for Concord, NC Medicare (2026)
Health profile · why coverage choice matters here
Chronic conditions among Cabarrus County adults
Source: County Health Rankings & Roadmaps 2024 — Cabarrus County.
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Part B Late Enrollment Penalty
Monthly penalty: $0.00
IRMAA Quick Check
Monthly surcharge: $0.00
Who covers you
Carriers in Cabarrus County (2026)
- Humana HMO-POS
Gold Plus HMO-POS — leading enrollment in Cabarrus County
- Aetna (CVS Health) PPO
Medicare Signature PPO — 4.5★ rated; second-highest enrollment
- UnitedHealthcare HMO-POS
AARP Medicare Advantage HMO-POS — strong local enrollment
- Anthem Blue Cross and Blue Shield HMOPPOD-SNP
Blue Medicare HMO/PPO; Healthy Blue + Medicare D-SNP
- Wellcare by Centene HMOD-SNP
Low-premium HMO options; D-SNP dual-eligible plans
- Devoted Health HMOPPOD-SNPC-SNPGiveback
HMO & PPO plans including Choice, Core, and Giveback options; D-SNP (Dual Full/Plus) and C-SNP available; $0-premium plans in most markets
Where you get care
Hospitals & providers nearby
- Atrium Health Cabarrus 920 Church St N, Concord NC 28025
Confirm your doctors and preferred pharmacy are in-network before enrolling — networks vary by plan and carrier.
Sources: CMS Hospital Compare · CMS Landscape (PY2026).
Choosing a Medicare plan in Concord, NC — what matters here
- Concord is Cabarrus County's county seat and largest city, located just northeast of Charlotte. Atrium Health Cabarrus (920 Church St N) is a 457-bed regional hospital rated 4★ by CMS and ranked among the top 10 hospitals in North Carolina by U.S. News. Confirm your physicians and hospital are in-network before enrolling.
- Cabarrus County has 44 Medicare Advantage plans for 2026 at an average of $14.34/mo, with 28 plans (63%) rated 4★ or higher. Humana's Gold Plus HMO-POS leads local enrollment; Aetna, UnitedHealthcare, Anthem BCBS, and Wellcare also offer competitive options.
- Cabarrus County has 37 Special Needs Plans for 2026 — 23 D-SNPs, 7 C-SNPs, and 7 I-SNPs — with approximately 4,650 county residents enrolled in SNP coverage.
- Concord's proximity to Charlotte means many residents have access to Atrium Health Charlotte's system of specialists and major facilities. Verify your plan's out-of-county network coverage before enrolling.
Not sure Medicare Advantage is the right path?
Also consider Original Medicare + a Supplement
Medicare Advantage isn't the only option. If you want the freedom to see any doctor or hospital in the U.S. that accepts Medicare — with no networks, no referrals, and no plan-specific prior authorizations — a Medicare Supplement (Medigap) plan paired with a standalone Part D drug plan may be a better fit for your situation.
- No networks. See any Medicare-accepting provider nationwide — critical if you travel, split time between states, or have specialists outside your county.
- Predictable costs. Plan G covers nearly every gap in Original Medicare except the Part B deductible (~$257/yr in 2026). No surprise bills from out-of-network care.
- Enrollment window. Your guaranteed-issue Medigap Open Enrollment Period is 6 months from your Part B effective date. After it closes, health underwriting may apply in NC.
Medigap guide for Concord → NC Medicare Supplement overview →
Resources
Medicare guides for Concord, NC
What Is Medicare? Parts A, B, C & D Explained for 2026
Medicare has four parts that work together — and choosing the wrong combination at 65 can follow you financially for the rest of your life. A plain-English guide to what each part covers, what it costs, and how to enroll on time.
Read →
Medicare Advantage vs. Medigap in 2026: Which Is Right for You?
Two paths through Medicare — one bundles everything into a private plan, the other fills Original Medicare's gaps. The right choice depends on your health, your doctors, and a one-time enrollment window most people don't know about.
Read →
How to Avoid Medicare Late Enrollment Penalties in 2026
Miss a Medicare enrollment window and you pay a permanent surcharge added to your premiums for life. Here's exactly when to enroll in Parts A, B, and D — and the one exception that lets you delay without penalty.
Read →Concord, NC Medicare questions, answered
How many Medicare Advantage plans are available in Concord, NC?
For 2026, there are 44 Medicare Advantage plans available in Concord (Cabarrus County), offered by 6 carriers including Humana, Aetna (CVS Health), UnitedHealthcare, and others. 28 of those plans carry a CMS star rating of 4★ or higher. Source: CMS PY2026 Landscape.
What is the average Medicare Advantage premium in Concord for 2026?
The average monthly Medicare Advantage premium in Concord, NC is $14.34 for 2026, with an average CMS star rating of 3.88★ across available plans. Premiums and benefits vary — compare your specific options at Medicare.gov or with a licensed agent.
When can I change my Medicare plan in Concord?
The Annual Enrollment Period (AEP) runs October 15 – December 7 each year and is the main window to switch Medicare Advantage plans, change Part D drug plans, or return to Original Medicare. Changes take effect January 1. The Medicare Advantage Open Enrollment Period (January 1 – March 31) allows one plan switch for those already in Medicare Advantage. Special Enrollment Periods are available for qualifying events such as moving or losing other coverage.
Are there Special Needs Plans available in Cabarrus County?
Yes — Cabarrus County has 37 Special Needs Plans (SNPs) available for 2026. These plans are designed for dual-eligible beneficiaries (Medicare + Medicaid), people in institutions, and those with qualifying chronic conditions. SNPs often carry $0 premiums and additional chronic care benefits. A licensed agent can confirm your eligibility at no cost.
What hospital options are near Concord, NC?
Atrium Health Cabarrus in Concord is rated 4★ by CMS Hospital Compare. Before enrolling in any Medicare Advantage plan, confirm your hospital and doctors are in that plan's network.
Is there a cost for help choosing a Medicare plan in Concord?
No. Our guidance is free — licensed agents are compensated by the insurance carriers, not by you. We compare the plans available in your ZIP code against your doctors, prescriptions, and budget. We do not offer every plan available in your area. Contact Medicare.gov or 1-800-MEDICARE to see all options.
Is Medicare coverage the same in Concord, NC?
Original Medicare (Part A and Part B) is a federal program, so its core coverage rules are the same in Concord, NC as anywhere else in the country. What varies locally is which Medicare Advantage, Part D, and Medigap plans are actually offered — plan availability, provider networks, and premiums are set at the county level, so the specific options in Cabarrus County won't match a different county even in the same state. That's why it's worth reviewing your local plan lineup each year rather than assuming coverage is identical everywhere.
When can I enroll in Medicare in Concord, NC?
Your Initial Enrollment Period (IEP) is a 7-month window centered on your 65th birthday — 3 months before, the month of, and 3 months after. After that, the Annual Enrollment Period (AEP) runs October 15 through December 7 each year, letting Concord residents switch Medicare Advantage or Part D plans for coverage starting January 1. A Special Enrollment Period (SEP) may also open outside these windows if you have a qualifying life event, such as moving to Concord or losing other health coverage.
How do I find a Medicare agent near Concord, NC?
Look for a licensed, independent agent who is appointed to sell plans in NC and familiar with the carriers and provider networks serving Cabarrus County. An independent agent can compare options across multiple carriers instead of representing just one. You can book a free, no-obligation consultation with a licensed agent serving Concord through this site's contact page, or call the number listed on this page to talk with someone directly.
Is there a Medicare agent in Concord, NC?
Yes. Kayla Price is a licensed independent insurance agent serving Concord, NC and Cabarrus County among the NC, SC, GA, FL, VA, MD, KS, TX, OH & MI she's licensed in. She works with 6 carriers offering plans in Cabarrus County, so she can compare options rather than represent just one company. You can book a free consultation directly at https://host.safemsngr.com/widget/booking/A0NTF4B4d9I3h3wNvyIB.
How do I find Medicare help in Concord?
The fastest way is to book a free, no-obligation review with a licensed agent who already works in Cabarrus County — Kayla Price at Price Services Group covers Concord, NC and can walk through the 44 Medicare Advantage plans available here for 2026. Schedule a time at https://host.safemsngr.com/widget/booking/A0NTF4B4d9I3h3wNvyIB, or use the contact page on this site. You can also always compare plans yourself at Medicare.gov or by calling 1-800-MEDICARE.
Does Price Services Group serve Concord, NC?
Yes — Concord, NC is within Kayla Price's real service area at Price Services Group. She is licensed in NC, SC, GA, FL, VA, MD, KS, TX, OH & MI and works with the carriers offering Medicare Advantage, Part D, and Medigap plans in Cabarrus County. Book a free plan review at https://host.safemsngr.com/widget/booking/A0NTF4B4d9I3h3wNvyIB to see what's available at your address.
What Medicare Advantage plans are available in Concord, NC?
Medicare Advantage plan availability varies by county in NC. Kayla Price can review all plans available in Concord and help you compare options by phone or video.
How much does Medicare cost in Concord, NC?
Medicare Part B costs $202.90 per month regardless of where you live in NC. Additional costs depend on which plan you choose. Kayla can walk you through all the costs for plans available in Concord.
When is the next Medicare enrollment period for residents of Concord, NC?
The Annual Enrollment Period (AEP) runs October 15 through December 7 each year for all Medicare beneficiaries including those in Concord, NC. If you're new to Medicare, your Initial Enrollment Period is based on your 65th birthday.
Nearby coverage
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30 Medicare Advantage plansMore reading
Medicare topics for Cabarrus County
Medicare Advantage Plans in Cabarrus, NC 2026
See how the 44 Medicare Advantage plans available in Cabarrus County compare on premium, star rating, and network for 2026.
Read on our blog →How to Avoid Medicare Penalties in Concord
Late Part B and Part D penalties are permanent. Here's how Concord, NC residents can enroll on time and avoid them.
Read on our blog →Best Medicare Supplement Plans for Cabarrus Residents
A look at how Medigap Plan G and other supplement options stack up for Cabarrus County Medicare beneficiaries.
Read on our blog →Enrollment windows
When can you change your Medicare plan?
Annual Enrollment Period
Oct 15 – Dec 7
Switch MA plans, add or drop Part D, or return to Original Medicare. Changes take effect January 1.
MA Open Enrollment Period
Jan 1 – Mar 31
One plan switch if you're already in Medicare Advantage. Changes start the first of the following month.
Initial Enrollment Period
7-month window at 65
3 months before, the month of, and 3 months after your 65th birthday. Enrolling on time avoids lifetime Part B and Part D penalties.
Your local agent
Talk to a licensed Medicare agent about Concord, NC plans
Kayla Price is a licensed, independent agent who works with 6 carriers serving Cabarrus County — free, no pressure. We do not offer every plan available in your area.
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 Medicare.gov or call 1-800-MEDICARE (1-800-633-4227), TTY 1-877-486-2048, 24 hours a day, 7 days a week, to get information on all of your options. Not affiliated with or endorsed by the U.S. government or the federal Medicare program. For informational purposes only — not insurance, legal, or financial advice. Plan availability, premiums, and benefits are based on CMS PY2026 data and subject to change. NPN: 18530055. Agency NPN: 20387435.