Medicare Advantage Plans With a Part B Giveback in North Carolina
These North Carolina plans pay part of your Part B premium for 2027, according to the benefits each one filed with CMS. They’re sorted by the size of the giveback, with each plan’s worst-case year beside it: 12 months of premiums, less the giveback, plus the in-network out-of-pocket maximum.
Showing all 42 plans.
With drug coverage
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | 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★ |
| 2 | 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★ |
| 3 | 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★ |
| 4 | 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★ |
| 5 | 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★ |
| 6 | 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★ |
| 7 | 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★ |
| 8 | 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★ |
| 9 | 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★ |
| 10 | 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★ |
| 11 | 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★ |
| 12 | 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★ |
| 13 | 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★ |
| 14 | 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★ |
| 15 | 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★ |
| 16 | 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★ |
| 17 | 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★ |
| 18 | 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★ |
| 19 | 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★ |
| 20 | 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★ |
| 21 | 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★ |
| 22 | 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★ |
| 23 | 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★ |
| 24 | 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★ |
| 25 | 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★ |
| 26 | 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★ |
| 27 | 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★ |
| 28 | 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★ |
| 29 | 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★ |
| 30 | 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★ |
Without drug coverage
These 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.
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | 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★ |
| 2 | 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★ |
| 3 | 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★ |
| 4 | 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★ |
| 5 | 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★ |
| 6 | 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★ |
| 7 | 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★ |
| 8 | 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★ |
| 9 | 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★ |
| 10 | 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★ |
| 11 | 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★ |
| 12 | 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★ |
Giveback = the monthly Part B premium reduction each plan filed with CMS for 2027. Worst-case year = 12 × (monthly plan premium − giveback) + in-network maximum out-of-pocket, so a large giveback can make it lower than the out-of-pocket maximum. The standard Part B premium was $202.90 a month in 2026. Special Needs Plans, Cost plans, employer plans and plans under CMS sanction aren’t listed. Methodology
Before you enroll: check that your doctors are in the plan’s network and how it covers your drugs, in the official Medicare Plan Finder. See every North Carolina plan, giveback or not, in our North Carolina Medicare Advantage ranking.
Questions
Which Medicare Advantage plans in North Carolina have a Part B giveback for 2027?
42 of the 120 general-audience plans in North Carolina filed a Part B premium reduction with CMS for 2027: 30 with drug coverage and 12 without. The largest is $195 a month, from DEVOTED GIVEBACK 012 NC (HMO).
How do I get the Part B giveback?
Join the plan. The plan's reduction comes off the standard Part B premium you'd otherwise pay, whether that premium is taken from your Social Security benefit or billed to you. You keep paying any Part B premium that's left.
Is a giveback plan the cheapest choice?
Not always. Plans that pay back part of your Part B premium can have higher copays, a higher out-of-pocket maximum or a narrower network. The worst-case year in the table counts the giveback as money back and adds the out-of-pocket maximum, so you can compare plans on one number.
Does the giveback help if Medicaid pays my Part B premium?
No. If Medicaid or a Medicare Savings Program pays your Part B premium, CMS sends the reduction to your state, not to you. The giveback also can't lower a Part B late enrollment penalty.
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, Medicare State Buy-in Manual, Chapter 1 (Part B premium reductions by Medicare Advantage plans) — cms.gov PDF.
- 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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