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2027 plans · CMS data · Ranked by math
Best Medicare Advantage Plans in North Carolina for 2027
Every general-audience Medicare Advantage plan with drug coverage in North Carolina, ranked by what it could cost you in a bad year: 12 months of premiums, less any Part B giveback, plus the plan's in-network out-of-pocket maximum. Pick your county to see only the plans sold there.
107plans with drug coverage
83with a $0 plan premium
$1,972lowest worst-case year
82rated 4+ stars by CMS
North Carolina plans, ranked
Showing all 107 plans.
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | Alignment Health Smart 006 (HMO)Alignment Health Plan · HMO16 of 100 counties · drug deductible $700Part B giveback $119/mo · Preventive dental · eyewear $50/yr | $0−$119 Part B giveback | $3,400 | $1,972 | 4.5★ |
| 2 | Alignment Health Platinum 012 (HMO)Alignment Health Plan · HMO4 of 100 counties · drug deductible $225Dental up to $3,000/yr · eyewear $300/yr · OTC items $240/yr | $0 | $3,500 | $3,500 | 4.5★ |
| 3 | HealthSpring Preferred (HMO)HealthSpring · HMO11 of 100 counties · drug deductible $400Part B giveback $5/mo · Dental up to $1,650/yr · eyewear $150/yr · OTC items $80/yr | $0−$5 Part B giveback | $3,900 | $3,840 | 3★ |
| 4 | Humana Gold Plus H1036-335 (HMO-POS)Humana · HMO-POS62 of 100 counties · drug deductible $700Part B giveback $1/mo · Dental up to $4,000/yr · eyewear $450/yr | $0−$1 Part B giveback | $3,950 | $3,938 | 4.5★ |
| 5 | DEVOTED CORE 001 NC (HMO)Devoted Health · HMO11 of 100 counties · drug deductible $650Dental up to $2,250/yr · eyewear $300/yr · OTC items $200/yr | $0 | $4,050 | $4,050 | 4.5★ |
| 6 | Humana Gold Plus H1036-335 (HMO-POS)Humana · HMO-POS7 of 100 counties · drug deductible $700Dental up to $4,000/yr · eyewear $350/yr | $0 | $4,100 | $4,100 | 4.5★ |
| 7 | Alignment Health AVA 001 (PPO)Alignment Health Plan · PPO16 of 100 counties · drug deductible $0Dental up to $1,000/yr · eyewear $75/yr | $20 | $3,900 | $4,140 | Not rated |
| 8 | HealthTeam Advantage Thrive Plan (HMO)HealthTeam Advantage · HMO7 of 100 counties · drug deductible $495Dental up to $1,000/yr · eyewear $250/yr | $0 | $4,200 | $4,200 | 4.5★ |
| 9 | Alignment Health Platinum 010 (HMO)Alignment Health Plan · HMO16 of 100 counties · drug deductible $225Dental up to $2,000/yr · eyewear $300/yr · OTC items $480/yr | $0 | $4,300 | $4,300 | 4.5★ |
| 10 | Alignment Health Smart 013 (HMO)Alignment Health Plan · HMO4 of 100 counties · drug deductible $700Part B giveback $175/mo · Preventive dental · eyewear $50/yr | $0−$175 Part B giveback | $6,500 | $4,400 | 4.5★ |
| 11 | AARP Medicare Advantage from UHC NC-15 (HMO-POS)UnitedHealthcare · HMO-POS42 of 100 counties · drug deductible $685Dental up to $1,500/yr · eyewear $75/yr · hearing aids $700/yr | $0 | $4,450 | $4,450 | 4★ |
| 12 | HealthSpring Preferred (HMO)HealthSpring · HMO3 of 100 counties · drug deductible $400Dental up to $1,200/yr · eyewear $150/yr · OTC items $120/yr | $0 | $4,450 | $4,450 | 3★ |
| 13 | HealthSpring Preferred (HMO)HealthSpring · HMO10 of 100 counties · drug deductible $400Dental up to $1,450/yr · eyewear $150/yr · OTC items $180/yr | $0 | $4,450 | $4,450 | 3★ |
| 14 | HealthSpring Preferred Savings (HMO)HealthSpring · HMO11 of 100 counties · drug deductible $600Part B giveback $179/mo · Dental up to $700/yr · eyewear $100/yr | $0−$179 Part B giveback | $6,750 | $4,602 | 3★ |
| 15 | DEVOTED CORE 023 NC (HMO)Devoted Health · HMO5 of 100 counties · drug deductible $650Dental up to $3,750/yr · eyewear $300/yr · OTC items $400/yr | $0 | $4,700 | $4,700 | 4.5★ |
| 16 | DEVOTED CHOICE 003 NC (PPO)Devoted Health · PPO11 of 100 counties · drug deductible $650Dental up to $2,500/yr · eyewear $300/yr · OTC items $200/yr | $0 | $4,850 | $4,850 | 4★ |
| 17 | HealthSpring Preferred Savings (HMO)HealthSpring · HMO10 of 100 counties · drug deductible $600Part B giveback $158/mo · Dental up to $700/yr · eyewear $100/yr | $0−$158 Part B giveback | $6,750 | $4,854 | 3★ |
| 18 | DEVOTED GIVEBACK EXTRAS 038 NC (HMO)Devoted Health · HMO11 of 100 counties · drug deductible $700Part B giveback $70/mo · Dental up to $2,500/yr · eyewear $350/yr · OTC items $600/yr | $0−$70 Part B giveback | $5,700 | $4,860 | 4.5★ |
| 19 | HealthTeam Advantage Plan I (PPO)HealthTeam Advantage · PPO12 of 100 counties · drug deductible $595Dental up to $750/yr · eyewear $100/yr | $0 | $4,900 | $4,900 | 3.5★ |
| 20 | DEVOTED CORE 021 NC (HMO)Devoted Health · HMO4 of 100 counties · drug deductible $650Dental up to $3,750/yr · eyewear $250/yr · OTC items $200/yr | $0 | $4,950 | $4,950 | 4.5★ |
| 21 | DEVOTED CORE 029 NC (HMO)Devoted Health · HMO18 of 100 counties · drug deductible $650Dental up to $3,750/yr · eyewear $300/yr · OTC items $260/yr | $0 | $4,950 | $4,950 | 4.5★ |
| 22 | DEVOTED CORE 037 NC (HMO)Devoted Health · HMO14 of 100 counties · drug deductible $650Dental up to $4,000/yr · eyewear $300/yr · OTC items $200/yr | $0 | $4,950 | $4,950 | 4.5★ |
| 23 | Troy Medicare (HMO)Troy Medicare · HMO35 of 100 counties · drug deductible $0Dental up to $2,000/yr · eyewear $200/yr · OTC items $240/yr | $0 | $4,950 | $4,950 | 3★ |
| 24 | AARP Medicare Advantage from UHC NC-0016 (PPO)UnitedHealthcare · PPO36 of 100 counties · drug deductible $595Dental up to $2,000/yr · eyewear $100/yr · hearing aids $700/yr | $53 | $4,450 | $5,086 | 4★ |
| 25 | HealthTeam Advantage Plan II (PPO)HealthTeam Advantage · PPO12 of 100 counties · drug deductible $550Dental up to $1,500/yr · eyewear $125/yr | $34 | $4,700 | $5,108 | 3.5★ |
| 26 | Aetna Medicare Prime (HMO)Aetna Medicare · HMO9 of 100 counties · drug deductible $500Dental up to $1,500/yr · eyewear $100/yr · hearing aids $1,250/yr per ear · OTC items $60/yr | $0 | $5,200 | $5,200 | 3.5★ |
| 27 | HealthTeam Advantage Vitality Plan (PPO)HealthTeam Advantage · PPO33 of 100 counties · drug deductible $595Preventive dental · eyewear $125/yr · OTC items $180/yr | $0 | $5,200 | $5,200 | 3.5★ |
| 28 | DEVOTED CHOICE 005 NC (PPO)Devoted Health · PPO17 of 100 counties · drug deductible $650Dental up to $2,500/yr · eyewear $300/yr · OTC items $200/yr | $0 | $5,300 | $5,300 | 4★ |
| 29 | Blue Medicare Enhanced (HMO-POS)Blue Cross and Blue Shield of North Carolina · HMO-POS20 of 100 counties · drug deductible $700Dental up to $1,500/yr · OTC items $160/yr | $41 | $4,900 | $5,392 | 4★ |
| 30 | HealthSpring Preferred Savings (HMO)HealthSpring · HMO3 of 100 counties · drug deductible $600Part B giveback $113/mo · Dental up to $700/yr · eyewear $100/yr | $0−$113 Part B giveback | $6,750 | $5,394 | 3★ |
| 31 | AARP Medicare Advantage from UHC NC-0021 (HMO-POS)UnitedHealthcare · HMO-POS30 of 100 counties · drug deductible $595Dental up to $3,000/yr · eyewear $150/yr · hearing aids $700/yr | $42 | $4,900 | $5,404 | 4★ |
| 32 | Aetna Medicare Signature (HMO)Aetna Medicare · HMO12 of 100 counties · drug deductible $400Dental up to $1,500/yr · eyewear $100/yr · hearing aids $1,250/yr per ear · OTC items $80/yr | $0 | $5,500 | $5,500 | 3.5★ |
| 33 | Aetna Medicare Value Plus (HMO)Aetna Medicare · HMO92 of 100 counties · drug deductible $400Dental up to $1,500/yr · eyewear $200/yr · hearing aids $1,250/yr per ear · OTC items $120/yr | $0 | $5,500 | $5,500 | 3.5★ |
| 34 | Blue Medicare Enhanced (HMO-POS)Blue Cross and Blue Shield of North Carolina · HMO-POS31 of 100 counties · drug deductible $700Dental up to $1,500/yr · OTC items $120/yr | $50 | $4,900 | $5,500 | 4★ |
| 35 | Blue Medicare Enhanced (HMO-POS)Blue Cross and Blue Shield of North Carolina · HMO-POS42 of 100 counties · drug deductible $700Dental up to $1,500/yr · OTC items $80/yr | $57 | $4,900 | $5,584 | 4★ |
| 36 | DEVOTED GIVEBACK 002 NC (HMO)Devoted Health · HMO11 of 100 counties · drug deductible $461Part B giveback $190.70/mo · Dental up to $500/yr · eyewear $200/yr · OTC items $148/yr | $0−$190.70 Part B giveback | $7,950 | $5,662 | 4.5★ |
| 37 | AARP Medicare Advantage from UHC NC-0022 (HMO-POS)UnitedHealthcare · HMO-POS30 of 100 counties · drug deductible $685Dental up to $1,250/yr · eyewear $75/yr · hearing aids $700/yr | $0 | $5,900 | $5,900 | 4★ |
| 38 | AARP Medicare Advantage from UHC NC-26 (HMO-POS)UnitedHealthcare · HMO-POS33 of 100 counties · drug deductible $685Dental up to $750/yr · eyewear $100/yr · hearing aids $1,000/yr | $0 | $5,900 | $5,900 | 4★ |
| 39 | Aetna Medicare Signature (HMO)Aetna Medicare · HMO4 of 100 counties · drug deductible $400Dental up to $2,000/yr · eyewear $100/yr · hearing aids $1,250/yr per ear · OTC items $60/yr | $0 | $5,900 | $5,900 | 3.5★ |
| 40 | Aetna Medicare Signature (HMO)Aetna Medicare · HMO7 of 100 counties · drug deductible $400Dental up to $2,000/yr · eyewear $100/yr · hearing aids $1,250/yr per ear · OTC items $80/yr | $0 | $5,900 | $5,900 | 3.5★ |
| 41 | Aetna Medicare Signature (PPO)Aetna Medicare · PPO29 of 100 counties · drug deductible $500Dental up to $1,250/yr · eyewear $100/yr · hearing aids $1,250/yr per ear · OTC items $100/yr | $0 | $5,900 | $5,900 | 4★ |
| 42 | Aetna Medicare Signature Extra (PPO)Aetna Medicare · PPO17 of 100 counties · drug deductible $500Dental up to $1,750/yr · eyewear $100/yr · hearing aids $1,250/yr per ear · OTC items $80/yr | $0 | $5,900 | $5,900 | 4★ |
| 43 | Blue Medicare Essential Plus (HMO-POS)Blue Cross and Blue Shield of North Carolina · HMO-POS19 of 100 counties · drug deductible $700Dental | $0 | $5,900 | $5,900 | 4★ |
| 44 | DEVOTED CHOICE 008 NC (PPO)Devoted Health · PPO8 of 100 counties · drug deductible $650Dental up to $2,500/yr · eyewear $300/yr · OTC items $248/yr | $0 | $5,900 | $5,900 | 4★ |
| 45 | DEVOTED GIVEBACK EXTRAS 041 NC (HMO)Devoted Health · HMO4 of 100 counties · drug deductible $700Part B giveback $70/mo · Dental up to $4,000/yr · eyewear $300/yr · OTC items $600/yr | $0−$70 Part B giveback | $6,750 | $5,910 | 4.5★ |
| 46 | DEVOTED CHOICE 001 NC (PPO)Devoted Health · PPO13 of 100 counties · drug deductible $461Dental up to $3,000/yr · eyewear $300/yr · OTC items $200/yr | $0 | $6,150 | $6,150 | 4★ |
| 47 | Aetna Medicare Enhanced (PPO)Aetna Medicare · PPO14 of 100 counties · drug deductible $500Dental up to $1,250/yr · eyewear $100/yr · hearing aids $1,250/yr per ear · OTC items $80/yr | $24 | $5,900 | $6,188 | 4★ |
| 48 | DEVOTED GIVEBACK EXTRAS 039 NC (HMO)Devoted Health · HMO14 of 100 counties · drug deductible $700Part B giveback $70/mo · Dental up to $4,250/yr · eyewear $350/yr · OTC items $600/yr | $0−$70 Part B giveback | $7,050 | $6,210 | 4.5★ |
| 49 | DEVOTED GIVEBACK EXTRAS 042 NC (HMO)Devoted Health · HMO5 of 100 counties · drug deductible $700Part B giveback $70/mo · Dental up to $4,000/yr · eyewear $350/yr · OTC items $800/yr | $0−$70 Part B giveback | $7,100 | $6,260 | 4.5★ |
| 50 | DEVOTED GIVEBACK EXTRAS 044 NC (HMO)Devoted Health · HMO18 of 100 counties · drug deductible $700Part B giveback $70/mo · Dental up to $4,000/yr · eyewear $350/yr · OTC items $660/yr | $0−$70 Part B giveback | $7,150 | $6,310 | 4.5★ |
| 51 | Aetna Medicare Enhanced (HMO)Aetna Medicare · HMO7 of 100 counties · drug deductible $300Dental up to $3,000/yr · eyewear $300/yr · hearing aids $1,250/yr per ear · OTC items $120/yr | $49 | $5,900 | $6,488 | 3.5★ |
| 52 | Wellcare Assist Open (PPO)Wellcare · PPO70 of 100 counties · drug deductible $700Dental up to $1,500/yr · eyewear $300/yr · hearing aids $750/yr per ear | $0 | $6,500 | $6,500 | 3★ |
| 53 | AARP Medicare Advantage from UHC NC-0009 (HMO-POS)UnitedHealthcare · HMO-POS17 of 100 counties · drug deductible $595Dental up to $1,500/yr · eyewear $150/yr · hearing aids $1,000/yr | $57 | $5,900 | $6,584 | 4★ |
| 54 | Wellcare Simple (HMO-POS)Wellcare · HMO-POS71 of 100 counties · drug deductible $700Dental up to $4,000/yr · eyewear $200/yr · hearing aids $750/yr per ear | $0 | $6,700 | $6,700 | 3.5★ |
| 55 | Aetna Medicare Signature (HMO)Aetna Medicare · HMO4 of 100 counties · drug deductible $500Dental up to $1,000/yr · eyewear $100/yr · hearing aids $1,250/yr per ear · OTC items $60/yr | $0 | $6,750 | $6,750 | 3.5★ |
| 56 | Aetna Medicare Signature (PPO)Aetna Medicare · PPO28 of 100 counties · drug deductible $700Dental up to $1,000/yr · eyewear $100/yr · hearing aids $1,250/yr per ear · OTC items $60/yr | $0 | $6,750 | $6,750 | 4★ |
| 57 | HealthSpring True Choice (PPO)HealthSpring · PPO10 of 100 counties · drug deductible $500Dental up to $950/yr · eyewear $100/yr | $0 | $6,900 | $6,900 | 3★ |
| 58 | Blue Medicare Essential Plus (HMO-POS)Blue Cross and Blue Shield of North Carolina · HMO-POS20 of 100 counties · drug deductible $700Dental | $0 | $7,000 | $7,000 | 4★ |
| 59 | DEVOTED CHOICE GIVEBACK 002 NC (PPO)Devoted Health · PPO13 of 100 counties · drug deductible $461Part B giveback $184.70/mo · Dental up to $250/yr · eyewear $200/yr · OTC items $96/yr | $0−$184.70 Part B giveback | $9,250 | $7,034 | 4★ |
| 60 | Aetna Medicare Enhanced (PPO)Aetna Medicare · PPO10 of 100 counties · drug deductible $500Dental up to $1,000/yr · eyewear $100/yr · hearing aids $1,250/yr per ear · OTC items $60/yr | $25 | $6,750 | $7,050 | 4★ |
| 61 | DEVOTED CHOICE GIVEBACK 004 NC (PPO)Devoted Health · PPO11 of 100 counties · drug deductible $461Part B giveback $180.70/mo · Dental up to $250/yr · eyewear $200/yr · OTC items $148/yr | $0−$180.70 Part B giveback | $9,250 | $7,082 | 4★ |
| 62 | HealthSpring True Choice (PPO)HealthSpring · PPO11 of 100 counties · drug deductible $500Dental up to $800/yr · eyewear $100/yr | $0 | $7,100 | $7,100 | 3★ |
| 63 | Aetna Medicare Signature Giveback (PPO)Aetna Medicare · PPO86 of 100 counties · drug deductible $700Part B giveback $30/mo · Dental up to $1,000/yr · eyewear $100/yr · hearing aids $1,250/yr per ear · OTC items $80/yr | $0−$30 Part B giveback | $7,500 | $7,140 | 4★ |
| 64 | AARP Medicare Advantage from UHC NC-0001 (PPO)UnitedHealthcare · PPO40 of 100 counties · drug deductible $685Preventive dental · eyewear $100/yr · hearing aids $700/yr | $0 | $7,150 | $7,150 | 4.5★ |
| 65 | AARP Medicare Advantage from UHC NC-0007 (HMO-POS)UnitedHealthcare · HMO-POS2 of 100 counties · drug deductible $685Preventive dental · eyewear $75/yr · hearing aids $700/yr | $0 | $7,150 | $7,150 | 4★ |
| 66 | AARP Medicare Advantage from UHC NC-0011 (HMO-POS)UnitedHealthcare · HMO-POS14 of 100 counties · drug deductible $685Preventive dental · eyewear $100/yr · hearing aids $1,000/yr | $0 | $7,150 | $7,150 | 4★ |
| 67 | AARP Medicare Advantage from UHC NC-0017 (PPO)UnitedHealthcare · PPO36 of 100 counties · drug deductible $685Preventive dental · eyewear $100/yr · hearing aids $700/yr | $0 | $7,150 | $7,150 | 4★ |
| 68 | AARP Medicare Advantage from UHC NC-24 (HMO-POS)UnitedHealthcare · HMO-POS25 of 100 counties · drug deductible $685Preventive dental · hearing aids $1,000/yr | $0 | $7,150 | $7,150 | 4★ |
| 69 | HealthSpring True Choice (PPO)HealthSpring · PPO3 of 100 counties · drug deductible $500Dental up to $500/yr | $0 | $7,150 | $7,150 | 3★ |
| 70 | Wellcare Simple Open (PPO)Wellcare · PPO70 of 100 counties · drug deductible $700Dental up to $1,500/yr · eyewear $200/yr · hearing aids $500/yr per ear | $0 | $7,150 | $7,150 | 3★ |
| 71 | AARP Medicare Advantage from UHC NC-0012 (HMO-POS)UnitedHealthcare · HMO-POS14 of 100 counties · drug deductible $685Dental up to $1,000/yr · eyewear $100/yr · hearing aids $700/yr | $66 | $6,400 | $7,192 | 4★ |
| 72 | DEVOTED GIVEBACK 022 NC (HMO)Devoted Health · HMO4 of 100 counties · drug deductible $650Part B giveback $166/mo · Dental up to $250/yr · eyewear $200/yr | $0−$166 Part B giveback | $9,300 | $7,308 | 4.5★ |
| 73 | AARP Medicare Advantage from UHC NC-0004 (PPO)UnitedHealthcare · PPO40 of 100 counties · drug deductible $685Dental up to $1,500/yr · eyewear $100/yr · hearing aids $700/yr | $34 | $6,900 | $7,308 | 4.5★ |
| 74 | Blue Medicare PPO Enhanced (PPO)Blue Cross and Blue Shield of North Carolina · PPO21 of 100 counties · drug deductible $700Dental up to $1,500/yr · OTC items $136/yr | $45 | $6,900 | $7,440 | 4.5★ |
| 75 | DEVOTED GIVEBACK 012 NC (HMO)Devoted Health · HMO14 of 100 counties · drug deductible $461Part B giveback $195/mo · Dental up to $500/yr · eyewear $200/yr · OTC items $96/yr | $0−$195 Part B giveback | $9,850 | $7,510 | 4.5★ |
| 76 | AARP Medicare Advantage from UHC NC-0019 (PPO)UnitedHealthcare · PPO30 of 100 counties · drug deductible $685Dental up to $1,000/yr · eyewear $100/yr · hearing aids $700/yr | $31 | $7,150 | $7,522 | 4★ |
| 77 | Blue Medicare PPO Enhanced (PPO)Blue Cross and Blue Shield of North Carolina · PPO61 of 100 counties · drug deductible $700Dental up to $1,500/yr · OTC items $136/yr | $70 | $6,900 | $7,740 | 4.5★ |
| 78 | DEVOTED CHOICE GIVEBACK 006 NC (PPO)Devoted Health · PPO17 of 100 counties · drug deductible $465Part B giveback $172.80/mo · Dental up to $250/yr · eyewear $200/yr | $0−$172.80 Part B giveback | $9,850 | $7,776 | 4★ |
| 79 | DEVOTED GIVEBACK 030 NC (HMO)Devoted Health · HMO18 of 100 counties · drug deductible $650Part B giveback $171/mo · Dental up to $250/yr · eyewear $200/yr | $0−$171 Part B giveback | $9,850 | $7,798 | 4.5★ |
| 80 | DEVOTED CHOICE GIVEBACK 009 NC (PPO)Devoted Health · PPO8 of 100 counties · drug deductible $461Part B giveback $163/mo · Dental up to $250/yr · eyewear $200/yr | $0−$163 Part B giveback | $9,850 | $7,894 | 4★ |
| 81 | DEVOTED GIVEBACK 024 NC (HMO)Devoted Health · HMO5 of 100 counties · drug deductible $650Part B giveback $161/mo · Dental up to $250/yr · eyewear $200/yr | $0−$161 Part B giveback | $9,850 | $7,918 | 4.5★ |
| 82 | Blue Medicare Essential Plus (HMO-POS)Blue Cross and Blue Shield of North Carolina · HMO-POS19 of 100 counties · drug deductible $700Dental | $0 | $8,400 | $8,400 | 4★ |
| 83 | Humana Gold Plus Giveback H1036-318 (HMO-POS)Humana · HMO-POS40 of 100 counties · drug deductible $700Part B giveback $118/mo · Dental · eyewear $100/yr | $0−$118 Part B giveback | $9,850 | $8,434 | 4.5★ |
| 84 | AARP Medicare Advantage Giveback from UHC NC-14 (HMO-POS)UnitedHealthcare · HMO-POS20 of 100 counties · drug deductible $685Part B giveback $84/mo · Preventive dental · eyewear $100/yr · hearing aids $1,000/yr | $0−$84 Part B giveback | $9,500 | $8,492 | 4★ |
| 85 | HumanaChoice Giveback H5525-035 (PPO)Humana · PPO86 of 100 counties · drug deductible $700Part B giveback $110/mo · Dental · eyewear $150/yr | $0−$110 Part B giveback | $9,850 | $8,530 | 4★ |
| 86 | AARP Medicare Advantage Giveback from UHC NC-13 (HMO-POS)UnitedHealthcare · HMO-POS18 of 100 counties · drug deductible $685Part B giveback $51/mo · Dental up to $1,000/yr · hearing aids $1,000/yr | $0−$51 Part B giveback | $9,300 | $8,688 | 4★ |
| 87 | HumanaChoice Giveback H5216-017 (PPO)Humana · PPO37 of 100 counties · drug deductible $700Part B giveback $79/mo · Dental · eyewear $100/yr | $0−$79 Part B giveback | $9,850 | $8,902 | 4★ |
| 88 | Humana Gold Plus Giveback H1036-343 (HMO-POS)Humana · HMO-POS76 of 100 counties · drug deductible $700Part B giveback $67/mo · Dental · eyewear $150/yr | $0−$67 Part B giveback | $9,850 | $9,046 | 4.5★ |
| 89 | Blue Medicare Essential (HMO)Blue Cross and Blue Shield of North Carolina · HMO80 of 100 counties · drug deductible $700Part B giveback $51/mo | $0−$51 Part B giveback | $9,850 | $9,238 | 4★ |
| 90 | Blue Medicare Essential (HMO)Blue Cross and Blue Shield of North Carolina · HMO20 of 100 counties · drug deductible $700Part B giveback $36/mo | $0−$36 Part B giveback | $9,850 | $9,418 | 4★ |
| 91 | Aetna Medicare Signature (PPO)Aetna Medicare · PPO15 of 100 counties · drug deductible $700Preventive dental · eyewear $100/yr · hearing aids $1,250/yr per ear | $0 | $9,850 | $9,850 | 4★ |
| 92 | Aetna Medicare Signature (PPO)Aetna Medicare · PPO2 of 100 counties · drug deductible $700Preventive dental · eyewear $100/yr · hearing aids $1,250/yr per ear | $0 | $9,850 | $9,850 | 4★ |
| 93 | Blue Medicare Essential Plus (HMO-POS)Blue Cross and Blue Shield of North Carolina · HMO-POS42 of 100 counties · drug deductible $700Dental | $0 | $9,850 | $9,850 | 4★ |
| 94 | Humana Gold Plus H1036-137 (HMO-POS)Humana · HMO-POS70 of 100 counties · drug deductible $450Dental up to $2,500/yr · eyewear $350/yr | $0 | $9,850 | $9,850 | 4.5★ |
| 95 | Humana Gold Plus H1036-233 (HMO-POS)Humana · HMO-POS1 of 100 counties · drug deductible $450Dental up to $2,500/yr · eyewear $200/yr | $0 | $9,850 | $9,850 | 4.5★ |
| 96 | Humana Gold Plus H6622-025 (HMO-POS)Humana · HMO-POS13 of 100 counties · drug deductible $450Dental up to $1,000/yr · eyewear $300/yr | $0 | $9,850 | $9,850 | 4★ |
| 97 | Humana Gold Plus H6622-057 (HMO-POS)Humana · HMO-POS3 of 100 counties · drug deductible $700Dental up to $1,000/yr · eyewear $100/yr | $0 | $9,850 | $9,850 | 4★ |
| 98 | Humana Gold Plus H6622-060 (HMO-POS)Humana · HMO-POS9 of 100 counties · drug deductible $450Dental up to $1,000/yr · eyewear $100/yr | $0 | $9,850 | $9,850 | 4★ |
| 99 | Humana Gold Plus H6622-061 (HMO-POS)Humana · HMO-POS5 of 100 counties · drug deductible $450Dental up to $1,000/yr · eyewear $100/yr | $0 | $9,850 | $9,850 | 4★ |
| 100 | HumanaChoice H7617-122 (PPO)Humana · PPO79 of 100 counties · drug deductible $700Dental up to $500/yr · eyewear $100/yr | $13 | $9,850 | $10,006 | 4.5★ |
| 101 | Humana Gold Plus H6622-026 (HMO-POS)Humana · HMO-POS17 of 100 counties · drug deductible $450Dental up to $1,000/yr · eyewear $100/yr | $13.30 | $9,850 | $10,010 | 4★ |
| 102 | HumanaChoice H5525-070 (PPO)Humana · PPO97 of 100 counties · drug deductible $700Dental up to $1,250/yr · eyewear $100/yr | $13.30 | $9,850 | $10,010 | 4★ |
| 103 | Humana Gold Choice H8145-004 (PFFS)Humana · PFFS17 of 100 counties · drug deductible $700Dental up to $1,000/yr · eyewear $100/yr | $43 | $9,850 | $10,366 | 4★ |
| 104 | HumanaChoice H5525-049 (PPO)Humana · PPO46 of 100 counties · drug deductible $450Dental · eyewear $150/yr | $52 | $9,850 | $10,474 | 4★ |
| 105 | HumanaChoice H5216-211 (PPO)Humana · PPO48 of 100 counties · drug deductible $700Dental · eyewear $100/yr | $67 | $9,850 | $10,654 | 4★ |
| 106 | Humana Full Access H5525-034 (PPO)Humana · PPO5 of 100 counties · drug deductible $700Dental up to $2,000/yr · eyewear $100/yr | $148 | $9,850 | $11,626 | 4★ |
| 107 | Humana Full Access (Regional PPO)Humana · Regional PPOAll 100 counties · drug deductible $700Dental · eyewear $150/yr | $158 | $9,850 | $11,746 | 3.5★ |
Worst-case year = 12 × (monthly plan premium − any Part B giveback) + in-network maximum out-of-pocket, for covered Part A and B services. A giveback lowers the Part B premium you’d otherwise pay ($202.90 a month in 2026), so it counts as money back; a plan with a large giveback can show a worst-case year below $0. The Part B premium itself is the same for everyone, and drug costs are capped separately at $2,400 for 2027. Out-of-network care in PPO plans has a higher limit. Ties go to the lower premium. Other extras (dental, eyewear, hearing aids, over-the-counter allowance) are the yearly maximums each plan filed with CMS; they don’t change the order. Methodology
Before you enroll, check two things this ranking can’t: whether your doctors are in the plan’s network, and how it covers your drugs. Both are in the official Medicare Plan Finder. Star ratings are CMS’s 2027 quality scores (1 to 5) for the company contract behind each plan; they’re shown for context and don’t change the cost order.
Plans without drug coverage
These 13 plans don’t include Part D. They mainly suit people with drug coverage from elsewhere, such as the VA or TRICARE. Joining one generally means you can’t also join a stand-alone Part D plan, and going without creditable drug coverage can trigger a late enrollment penalty.
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | Blue Medicare Medical Only (HMO-POS)Blue Cross and Blue Shield of North Carolina · HMO-POSAll 100 countiesPart B giveback $35/mo · Dental up to $2,000/yr · OTC items $400/yr | $0−$35 Part B giveback | $3,900 | $3,480 | 4★ |
| 2 | HealthSpring Courage (HMO)HealthSpring · HMO24 of 100 countiesPart B giveback $115/mo · Dental up to $1,000/yr · eyewear $100/yr | $0−$115 Part B giveback | $6,750 | $5,370 | 3★ |
| 3 | Aetna Medicare Eagle (PPO)Aetna Medicare · PPO96 of 100 countiesPart B giveback $120/mo · Dental up to $2,000/yr · eyewear $250/yr · hearing aids $1,250/yr per ear · OTC items $200/yr | $0−$120 Part B giveback | $7,150 | $5,710 | 4★ |
| 4 | HealthTeam Advantage Eagle Plan (PPO)HealthTeam Advantage · PPO33 of 100 countiesPart B giveback $150/mo · Dental up to $1,250/yr · eyewear $125/yr · OTC items $200/yr | $0−$150 Part B giveback | $8,500 | $6,700 | 3.5★ |
| 5 | AARP Medicare Advantage Patriot No Rx NC-MA01 (PPO)UnitedHealthcare · PPO39 of 100 countiesPart B giveback $180/mo · Preventive dental · eyewear $125/yr · hearing aids $700/yr | $0−$180 Part B giveback | $8,900 | $6,740 | 4.5★ |
| 6 | Wellcare Patriot Giveback Open (PPO)Wellcare · PPO70 of 100 countiesPart B giveback $175/mo · Dental up to $2,000/yr · eyewear $200/yr · hearing aids $1,000/yr per ear | $0−$175 Part B giveback | $8,850 | $6,750 | 3★ |
| 7 | AARP Medicare Advantage Patriot No Rx NC-MA02 (HMO-POS)UnitedHealthcare · HMO-POS99 of 100 countiesPart B giveback $190/mo · Dental up to $1,000/yr · eyewear $150/yr · hearing aids $1,000/yr | $0−$190 Part B giveback | $9,300 | $7,020 | 4★ |
| 8 | DEVOTED CHOICE MA ONLY 007 NC (PPO)Devoted Health · PPO49 of 100 countiesPart B giveback $184.70/mo · Dental up to $1,000/yr · eyewear $400/yr | $0−$184.70 Part B giveback | $9,250 | $7,034 | 4★ |
| 9 | Humana USAA Honor Giveback (PPO)Humana · PPO97 of 100 countiesPart B giveback $165/mo · Dental · eyewear $150/yr | $0−$165 Part B giveback | $9,850 | $7,870 | 4★ |
| 10 | Humana USAA Honor Giveback (PPO)Humana · PPO42 of 100 countiesPart B giveback $126/mo · Dental · eyewear $150/yr | $0−$126 Part B giveback | $9,850 | $8,338 | 4★ |
| 11 | Blue Medicare Freedom+ (PPO)Blue Cross and Blue Shield of North Carolina · PPOAll 100 countiesPart B giveback $76/mo | $0−$76 Part B giveback | $9,850 | $8,938 | 4.5★ |
| 12 | Humana USAA Honor Giveback (Regional PPO)Humana · Regional PPOAll 100 countiesPart B giveback $52/mo · Dental up to $1,750/yr · eyewear $150/yr | $0−$52 Part B giveback | $9,850 | $9,226 | 3.5★ |
| 13 | HumanaChoice R0110-004 (Regional PPO)Humana · Regional PPOAll 100 countiesDental up to $1,500/yr · eyewear $350/yr | $0 | $9,850 | $9,850 | 3.5★ |
County pages
Alamance County · Brunswick County · Buncombe County · Cabarrus County · Catawba County · Craven County · Cumberland County · Davidson County · Durham County · Forsyth County · Gaston County · Guilford County · Harnett County · Henderson County · Iredell County · Johnston County · Mecklenburg County · New Hanover County · Onslow County · Orange County · Pitt County · Randolph County · Robeson County · Rowan County · Union County · Wake County · Wayne County
Questions
How many Medicare Advantage plans are available in North Carolina for 2027?
CMS lists 107 general-audience Medicare Advantage plans with drug coverage in North Carolina for 2027, from 10 parent companies. Not every plan is sold in every county; use the county filter to see yours.
Are there $0 premium Medicare Advantage plans in North Carolina?
Yes. 83 of the 107 plans have a $0 monthly plan premium in 2027. You still pay the Part B premium ($202.90 a month in 2026).
Which North Carolina Medicare Advantage plan has the lowest worst-case cost?
Alignment Health Smart 006 (HMO) from Alignment Health Plan: $0 a month with an in-network out-of-pocket maximum of $3,400, so at most about $1,972 in premiums and in-network costs for the year. It is offered in 16 of 100 counties.
Which North Carolina Medicare Advantage plans have 4 or more stars?
82 of the 107 plans belong to contracts CMS rated 4 stars or higher for 2027. Star ratings measure quality and member experience, not cost; the table shows each plan's rating next to its worst-case cost.
Which North Carolina Medicare Advantage plans have a Part B giveback?
30 of the 107 plans lower your Part B premium (a "giveback"), according to their 2027 benefit filings with CMS. The largest is $195 a month, from DEVOTED GIVEBACK 012 NC (HMO). A giveback plan isn't automatically cheaper: compare its worst-case year and its network.
What is the typical out-of-pocket maximum in North Carolina?
The median in-network out-of-pocket maximum among these plans is $6,750. CMS allows up to $9,850 in 2027.
Sources
- CMS, CY 2027 Medicare Advantage and Prescription Drug Plan Landscape (CY2027_Landscape_202609.csv), from cms.gov; extra benefits (Part B giveback, dental, eyewear, hearing aids, over-the-counter allowance) from the CMS CY 2027 Plan Benefit Package files, cms.gov, yearly amounts as each plan filed them; star ratings from the CMS 2027 Star Ratings Data Tables (October 8, 2026), cms.gov. Ratings are per contract, so plans under the same contract share one rating. General-audience plans only: Special Needs Plans, Cost plans and employer group plans are not ranked.
- CMS, 2026 Part B premium — cms.gov.
Educational information, not a recommendation to join any plan. We are not an insurance agent or broker, and we are not connected with or endorsed by the U.S. government or the federal Medicare program. Plan details can change; confirm with the plan or Medicare.gov. · Advertiser disclosure
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