Medicare Special Needs Plans in North Carolina
Every Special Needs Plan in North Carolina for 2027, from the CMS plan landscape file. You can join one only if you fit its group: Medicare and Medicaid (D-SNP), a qualifying chronic condition (C-SNP) or nursing-home-level care (I-SNP). Pick your county to see the plans sold there.
Showing all 59 plans.
D-SNPs: Medicare and Medicaid
Sorted by CMS star rating, then by how closely the plan is integrated with North Carolina Medicaid, then by worst-case year. If Medicaid or the QMB program pays your Medicare cost sharing, the out-of-pocket maximum matters less than the network and how well the plan works with Medicaid.
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | DEVOTED DUAL 009 NC (HMO D-SNP)Devoted Health · HMO D-SNPCoordination-only52 of 100 counties | $0 | $6,750 | $6,750 | 4.5★ |
| 2 | DEVOTED DUAL FULL 013 NC (HMO D-SNP)Devoted Health · HMO D-SNPCoordination-only · $0 Medicare cost sharing52 of 100 counties | $0 | $9,850 | $9,850 | 4.5★ |
| 3 | DEVOTED DUAL PLUS 006 NC (HMO D-SNP)Devoted Health · HMO D-SNPCoordination-only · $0 Medicare cost sharing52 of 100 counties | $0 | $9,850 | $9,850 | 4.5★ |
| 4 | Humana Dual Select H1036-307 (HMO D-SNP)Humana · HMO D-SNPCoordination-only96 of 100 counties | $0 | $9,850 | $9,850 | 4.5★ |
| 5 | Humana Gold Plus SNP-DE H1036-167 (HMO D-SNP)Humana · HMO D-SNPCoordination-only · $0 Medicare cost sharing96 of 100 counties | $0 | $9,850 | $9,850 | 4.5★ |
| 6 | Humana Gold Plus SNP-DE H1036-331 (HMO D-SNP)Humana · HMO D-SNPCoordination-only · $0 Medicare cost sharing96 of 100 counties | $0 | $9,850 | $9,850 | 4.5★ |
| 7 | Alignment Health Duals+ 004 (HMO-POS D-SNP)Alignment Health Plan · HMO-POS D-SNPCoordination-only20 of 100 counties | $13.30 | $9,850 | $10,010 | 4.5★ |
| 8 | UHC Dual Advantage NC-V1 (HMO-POS D-SNP)UnitedHealthcare · HMO-POS D-SNPCoordination-onlyAll 100 counties | $13.30 | $5,900 | $6,060 | 4★ |
| 9 | HumanaChoice SNP-DE H5525-036 (PPO D-SNP)Humana · PPO D-SNPCoordination-only · $0 Medicare cost sharing95 of 100 counties | $0 | $9,850 | $9,850 | 4★ |
| 10 | UHC Dual Complete NC-Q2 (HMO-POS D-SNP)UnitedHealthcare · HMO-POS D-SNPCoordination-only87 of 100 counties | $0 | $9,850 | $9,850 | 4★ |
| 11 | UHC Dual Complete NC-Q2 (HMO-POS D-SNP)UnitedHealthcare · HMO-POS D-SNPCoordination-only13 of 100 counties | $0 | $9,850 | $9,850 | 4★ |
| 12 | UHC Dual Complete NC-S3 (HMO-POS D-SNP)UnitedHealthcare · HMO-POS D-SNPCoordination-only · $0 Medicare cost sharing87 of 100 counties | $3.80 | $9,850 | $9,896 | 4★ |
| 13 | UHC Dual Complete NC-S3 (HMO-POS D-SNP)UnitedHealthcare · HMO-POS D-SNPCoordination-only · $0 Medicare cost sharing13 of 100 counties | $3.80 | $9,850 | $9,896 | 4★ |
| 14 | Humana Dual Select H6622-027 (HMO-POS D-SNP)Humana · HMO-POS D-SNPCoordination-only14 of 100 counties | $4.10 | $9,850 | $9,899 | 4★ |
| 15 | Humana Dual Select H5525-072 (PPO D-SNP)Humana · PPO D-SNPCoordination-only97 of 100 counties | $13.30 | $9,850 | $10,010 | 4★ |
| 16 | Liberty Medicare Dual Plan (HMO D-SNP)Liberty Medicare Advantage · HMO D-SNPCoordination-only54 of 100 counties | $17.50 | $7,550 | $7,760 | 3.5★ |
| 17 | Wellcare Carolina Complete Dual Reserve (HMO-POS D-SNP)Wellcare · HMO-POS D-SNPCoordination-only71 of 100 counties | $13.30 | $9,250 | $9,410 | 3.5★ |
| 18 | Aetna Medicare Full Dual (HMO D-SNP)Aetna Medicare · HMO D-SNPCoordination-only · $0 Medicare cost sharing96 of 100 counties | $0 | $9,850 | $9,850 | 3.5★ |
| 19 | Aetna Medicare Full Dual Care (HMO D-SNP)Aetna Medicare · HMO D-SNPCoordination-only · $0 Medicare cost sharing31 of 100 counties | $0 | $9,850 | $9,850 | 3.5★ |
| 20 | UHC Dual Complete NC-Q1 (PPO D-SNP)UnitedHealthcare · PPO D-SNPCoordination-only · $0 Medicare cost sharingAll 100 counties | $0 | $9,850 | $9,850 | 3.5★ |
| 21 | UHC Dual Complete NC-S2 (PPO D-SNP)UnitedHealthcare · PPO D-SNPCoordination-only · $0 Medicare cost sharingAll 100 counties | $0 | $9,850 | $9,850 | 3.5★ |
| 22 | Wellcare Carolina Complete Dual Liberty (HMO-POS D-SNP)Wellcare · HMO-POS D-SNPCoordination-only · $0 Medicare cost sharing71 of 100 counties | $0 | $9,850 | $9,850 | 3.5★ |
| 23 | Wellcare Carolina Complete Dual Liberty Open (PPO D-SNP)Wellcare · PPO D-SNPCoordination-only · $0 Medicare cost sharing70 of 100 counties | $0 | $9,850 | $9,850 | 3★ |
| 24 | Healthy Blue + Medicare (HMO-POS D-SNP)Blue Cross and Blue Shield of North Carolina · HMO-POS D-SNPCoordination-only · $0 Medicare cost sharingAll 100 counties | $13.20 | $9,850 | $10,008 | 3★ |
| 25 | HealthSpring TotalCare (HMO D-SNP)HealthSpring · HMO D-SNPCoordination-only24 of 100 counties | $13.30 | $9,850 | $10,010 | 3★ |
| 26 | HealthSpring TotalCare Plus (HMO D-SNP)HealthSpring · HMO D-SNPCoordination-only · $0 Medicare cost sharing24 of 100 counties | $13.30 | $9,850 | $10,010 | 3★ |
| 27 | Troy Medicare for Dual-eligible Beneficiaries (HMO D-SNP)Troy Medicare · HMO D-SNPCoordination-only · $0 Medicare cost sharing35 of 100 counties | $13.30 | $9,850 | $10,010 | 3★ |
| 28 | AmeriHealth Caritas VIP Care (HMO D-SNP)AmeriHealth Caritas VIP Care · HMO D-SNPCoordination-only · $0 Medicare cost sharing11 of 100 counties | $1.90 | $9,850 | $9,873 | Too new to rate |
C-SNPs: chronic conditions
Sorted by worst-case year: 12 months of premiums plus the in-network out-of-pocket maximum. Each plan lists the conditions it serves; you need one of them, confirmed by your doctor or another clinician, to join.
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | Alignment Health Heart & Diabetes 011 (HMO C-SNP)Alignment Health Plan · HMO C-SNPCardiovascular disorders, Chronic heart failure, Diabetes20 of 100 counties | $0 | $3,400 | $3,400 | 4.5★ |
| 2 | Liberty Medicare Advantage (HMO C-SNP)Liberty Medicare Advantage · HMO C-SNPCardiovascular disorders, Chronic heart failure, Diabetes54 of 100 counties | $0 | $3,800 | $3,800 | 3.5★ |
| 3 | HealthSpring Achieve (HMO C-SNP)HealthSpring · HMO C-SNPCardiovascular disorders, Chronic heart failure, Diabetes10 of 100 counties | $0 | $4,450 | $4,450 | 3★ |
| 4 | UHC Complete Care NC-28 (HMO-POS C-SNP)UnitedHealthcare · HMO-POS C-SNPCardiovascular disorders, Chronic heart failure, Diabetes42 of 100 counties | $0 | $4,450 | $4,450 | 4★ |
| 5 | DEVOTED C-SNP ENHANCED 017 NC (HMO C-SNP)Devoted Health · HMO C-SNPCardiovascular disorders, Chronic heart failure, Diabetes11 of 100 counties | $0 | $4,800 | $4,800 | 4.5★ |
| 6 | DEVOTED C-SNP ENHANCED 016 NC (HMO C-SNP)Devoted Health · HMO C-SNPCardiovascular disorders, Chronic heart failure, Diabetes14 of 100 counties | $0 | $5,400 | $5,400 | 4.5★ |
| 7 | DEVOTED C-SNP ENHANCED 018 NC (HMO C-SNP)Devoted Health · HMO C-SNPCardiovascular disorders, Chronic heart failure, Diabetes18 of 100 counties | $0 | $5,600 | $5,600 | 4.5★ |
| 8 | DEVOTED C-SNP GIVEBACK EXTRAS 032 NC (HMO C-SNP)Devoted Health · HMO C-SNPCardiovascular disorders, Chronic heart failure, Diabetes11 of 100 counties | $0 | $5,700 | $5,700 | 4.5★ |
| 9 | UHC Complete Care NC-27 (HMO-POS C-SNP)UnitedHealthcare · HMO-POS C-SNPCardiovascular disorders, Chronic heart failure, Diabetes33 of 100 counties | $0 | $5,900 | $5,900 | 4★ |
| 10 | DEVOTED C-SNP ENHANCED 014 NC (HMO C-SNP)Devoted Health · HMO C-SNPCardiovascular disorders, Chronic heart failure, Diabetes9 of 100 counties | $0 | $6,200 | $6,200 | 4.5★ |
| 11 | UHC Complete Care NC-25 (HMO-POS C-SNP)UnitedHealthcare · HMO-POS C-SNPCardiovascular disorders, Chronic heart failure, Diabetes25 of 100 counties | $0 | $6,400 | $6,400 | 4★ |
| 12 | Aetna Medicare Chronic Care (HMO C-SNP)Aetna Medicare · HMO C-SNPCardiovascular disorders, Chronic heart failure, Diabetes4 of 100 counties | $0 | $6,750 | $6,750 | 3.5★ |
| 13 | Aetna Medicare Chronic Care (HMO C-SNP)Aetna Medicare · HMO C-SNPCardiovascular disorders, Chronic heart failure, Diabetes6 of 100 counties | $0 | $6,750 | $6,750 | 3.5★ |
| 14 | DEVOTED C-SNP GIVEBACK EXTRAS 045 NC (HMO C-SNP)Devoted Health · HMO C-SNPCardiovascular disorders, Chronic heart failure, Diabetes4 of 100 counties | $0 | $6,750 | $6,750 | 4.5★ |
| 15 | DEVOTED C-SNP GIVEBACK EXTRAS 031 NC (HMO C-SNP)Devoted Health · HMO C-SNPCardiovascular disorders, Chronic heart failure, Diabetes14 of 100 counties | $0 | $7,050 | $7,050 | 4.5★ |
| 16 | DEVOTED C-SNP GIVEBACK EXTRAS 033 NC (HMO C-SNP)Devoted Health · HMO C-SNPCardiovascular disorders, Chronic heart failure, Diabetes5 of 100 counties | $0 | $7,100 | $7,100 | 4.5★ |
| 17 | DEVOTED C-SNP GIVEBACK EXTRAS 034 NC (HMO C-SNP)Devoted Health · HMO C-SNPCardiovascular disorders, Chronic heart failure, Diabetes18 of 100 counties | $0 | $7,150 | $7,150 | 4.5★ |
| 18 | Aetna Medicare Chronic Care Value (HMO C-SNP)Aetna Medicare · HMO C-SNPCardiovascular disorders, Chronic heart failure, Diabetes4 of 100 counties | $0 | $9,250 | $9,250 | 3.5★ |
| 19 | DEVOTED C-SNP PLUS 015 NC (HMO C-SNP)Devoted Health · HMO C-SNPCardiovascular disorders, Chronic heart failure, Diabetes52 of 100 counties | $0 | $9,850 | $9,850 | 4.5★ |
| 20 | Humana Gold Plus - Diabetes and Heart (HMO C-SNP)Humana · HMO C-SNPCardiovascular disorders, Diabetes96 of 100 counties | $0 | $9,850 | $9,850 | 4.5★ |
| 21 | Alignment Health Heart & Diabetes Plus 009 (HMO-POS C-SNP)Alignment Health Plan · HMO-POS C-SNPCardiovascular disorders, Chronic heart failure, Diabetes20 of 100 counties | $4.80 | $9,850 | $9,908 | 4.5★ |
I-SNPs: institutional care
For people who live, or are expected to live, at least 90 days in a nursing home or similar facility, or who need that level of care at home. Sorted by worst-case year.
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | Provider Partners North Carolina Community Plan (HMO I-SNP)Provider Partners Health Plans · HMO I-SNPFacility-based14 of 100 counties | $0 | $3,750 | $3,750 | Not rated |
| 2 | Senior Care (HMO I-SNP)NHC Advantage · HMO I-SNPHybrid (at home or in a facility)2 of 100 counties | $0 | $5,000 | $5,000 | 4.5★ |
| 3 | PruittHealth Premier (HMO I-SNP)PruittHealth Premier · HMO I-SNPHybrid (at home or in a facility)13 of 100 counties | $0 | $5,900 | $5,900 | Not rated |
| 4 | Liberty Medicare Advantage Nursing Home Plan (HMO I-SNP)Liberty Medicare Advantage · HMO I-SNPHybrid (at home or in a facility)54 of 100 counties | $13.30 | $6,800 | $6,960 | 3.5★ |
| 5 | UHC Nursing Home Plan NC-F001 (PPO I-SNP)UnitedHealthcare · PPO I-SNPFacility-based34 of 100 counties | $0 | $9,850 | $9,850 | 5★ |
| 6 | NHC Advantage (HMO I-SNP)NHC Advantage · HMO I-SNPHybrid (at home or in a facility)2 of 100 counties | $12.20 | $9,850 | $9,996 | 4.5★ |
| 7 | Longevity Health Plan (HMO I-SNP)Longevity Health Plan · HMO I-SNPFacility-based46 of 100 counties | $13.30 | $9,850 | $10,010 | 5★ |
| 8 | Provider Partners North Carolina Advantage Plan (HMO I-SNP)Provider Partners Health Plans · HMO I-SNPFacility-based14 of 100 counties | $13.30 | $9,850 | $10,010 | Not rated |
| 9 | Provider Partners North Carolina Essential Plan (HMO I-SNP)Provider Partners Health Plans · HMO I-SNPFacility-based14 of 100 counties | $13.30 | $9,850 | $10,010 | Not rated |
| 10 | PruittHealth Premier (HMO I-SNP)PruittHealth Premier · HMO I-SNPHybrid (at home or in a facility)13 of 100 counties | $13.30 | $9,850 | $10,010 | Not rated |
Worst-case year = 12 × monthly plan premium + in-network maximum out-of-pocket, for covered Part A and B services. Many D-SNP members pay $0 in premiums with Extra Help. Star ratings are CMS’s 2027 overall ratings for the contract behind each plan. Plans under CMS sanction aren’t listed. How we sort
Before you enroll: check the plan’s network and drug list in the official Medicare Plan Finder, and ask the plan whether you qualify. Free one-on-one help: your State Health Insurance Assistance Program.
Questions
How many Special Needs Plans are in North Carolina for 2027?
CMS lists 59: 28 D-SNPs (Medicare and Medicaid), 21 C-SNPs (chronic conditions) and 10 I-SNPs (institutional), from 15 parent companies. Not every plan is sold in every county; use the county filter.
Which D-SNPs in North Carolina are integrated with Medicaid?
All 28 D-SNPs in North Carolina are coordination-only plans: they coordinate with Medicaid, but your Medicaid benefits come separately.
Do Special Needs Plans include drug coverage?
Yes. Every Special Needs Plan must include Part D drug coverage.
Can I stay in a Special Needs Plan if I no longer qualify?
Only while you still meet the plan's rules. If you lose eligibility, you may get a Special Enrollment Period to join another plan.
Sources
- CMS, CY 2027 Medicare Advantage and Prescription Drug Plan Landscape (CY2027_Landscape_202609.csv), Special Needs Plan rows — cms.gov; star ratings from the CMS 2027 Star Ratings Data Tables — cms.gov.
- Medicare.gov, “Special Needs Plans” — medicare.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
Keep going
- How Special Needs Plans work →
- General Medicare Advantage plans in North Carolina →
- Medicare Savings Programs →
- Extra Help with drug costs →
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