Medicare in North Carolina
Medicare plans in Charlotte, NC: open enrollment guide
Medicare's open enrollment runs October 15 to December 7. What matters for Charlotte: which health systems to check, and where county and state lines change your options.
Medicare in Charlotte
Charlotte has two dominant health systems, Atrium Health and Novant Health, and many plans include one but not the other. Knowing which system your doctors are in is the quickest way to narrow your choices.
If you live on the South Carolina side of the metro area, your plan options are set by South Carolina, not North Carolina.
Charlotte is in Mecklenburg County, North Carolina. Where you live decides which plans and prices you can get, because plan availability is set by county and ZIP code.
Use the “Look at plans yourself” button at the top of the page to compare plans for North Carolina on your own, or call and we will go through it with you.
Health systems to check in Charlotte
Before you choose or keep a plan, check that your own doctors and hospitals are in its network. These are among the largest systems serving the area. Naming them here is not a statement that any plan includes them.
- Atrium Health
- Novant Health
County and state lines near Charlotte
Mecklenburg County is next to Cabarrus, Union and Gaston counties, and the metro area reaches into York County, South Carolina. South Carolina and North Carolina are different states, with different marketplaces and different plan availability.
The dates
Medicare's Annual Enrollment Period runs October 15 to December 7, and changes start January 1. People already in a Medicare Advantage plan get one more change between January 1 and March 31.
Free, unbiased Medicare counseling in North Carolina is also available through SHIIP (Seniors' Health Insurance Information Program) at 855-408-1212.
More on Medicare in North Carolina
Medicare questions in Charlotte
Which Charlotte health systems should I check a Medicare plan against?
Atrium Health, Novant Health are among the largest systems serving Charlotte. A plan can include some and leave out others, so check the specific doctor and hospital you use. Naming a system here does not mean any plan includes it.
Does it matter which county or state line I live on near Charlotte?
Mecklenburg County is next to Cabarrus, Union and Gaston counties, and the metro area reaches into York County, South Carolina. South Carolina and North Carolina are different states, with different marketplaces and different plan availability.
I live in Fort Mill, South Carolina but see doctors in Charlotte. Which state's plans do I use?
The state and county where you live decide your plans, so you use South Carolina's. The doctors you see in Charlotte may or may not be in a South Carolina plan's network, so check each one.
More for Charlotte
Talk through your Medicare options in Charlotte
Call 855-367-1095 and a licensed agent will review your plan, doctors and prescriptions with you before December 7.
- Licensed insurance help
- No guaranteed eligibility, pricing, or availability
- Educational starting point
GetFastRates.com is not connected with or endorsed by the U.S. government or the federal Medicare program. Calling connects you with licensed insurance help. Plan availability, costs, benefits, and enrollment rules can vary by state, carrier, and individual situation.