Compare & Enroll — Part C & Part D

Compare & Enroll in Medicare Plans in 23919, NC

With 101 Medicare Advantage options from 10 insurers, 23919, NC has significantly more plan choices than the national average, suggesting a highly competitive market where insurers often lower premiums to attract members. Approximately 90% of local MA plans charge $0 beyond the standard Part B premium, reflecting strong price competition. With 2 hospitals within 25.0 miles, verifying your preferred hospital is in-network is especially important here. We've organized the CMS data below to help you cross-reference plan costs, quality ratings, and local provider access. Compare plans below, and when you're ready, enroll directly at Medicare.gov.

📊 Direct from CMS 🚫 No agents or commissions ✓ Just the data, no sales pitch
Compare Plans at Medicare.gov →

Data freshness: CMS data as of February 2026 • ACS data as of 2023 • CDC PLACES data as of 2025 • Reviewed & approved on 2026-02-16 • Page last updated May 2026
Reviewed by: Wes Ward, Founder & Data Lead • View our methodology

Important: We are not affiliated with Medicare or any government agency. This site displays publicly available CMS data to help you compare plans. We do not sell insurance or represent any insurance company. For official enrollment and complete plan information, visit Medicare.gov or call 1-800-MEDICARE (1-800-633-4227).

Important: Plan availability, benefits, and CMS Star Ratings shown here come directly from CMS public files. Plan details can change—always verify with the insurer and at Medicare.gov.
Part C Plans
101
Part D Plans
21
Top MA Star
4.5
Top Drug Star
3.5
Happy senior couple reviewing Medicare plan options together

Medicare Eligibility in 23919, NC

Approximately 932 residents (34.0% of the population) in 23919, NC are 65 or older and likely Medicare-eligible. Whether you're approaching 65, already enrolled, or a caregiver comparing options, the plan data below is organized to help you evaluate Part C (Medicare Advantage) and Part D (prescription drug) coverage side by side.

The median household income in 23919, NC is $68,542 (8.8% below the National Average), which may affect eligibility for Extra Help with Part D drug costs.

Part C: Medicare Advantage Plans

Medicare Advantage (Part C) replaces Original Medicare through private insurers who bundle hospital, medical, and often drug coverage into a single plan. 23919, NC's 101 Medicare Advantage plans are a mix leaning toward PPO networks (51 PPO, 48 HMO). 91 plans offer $0 monthly premiums. The average local star rating is 3.8 out of 5, with the top plan earning 4.5 ★.

Top Medicare Advantage Plans in 23919, NC

We organize CMS plan data into separate leaderboards so you can compare based on what matters most to you. Part C premiums in 23919, NC range from $0 to $102/month. Among rated plans, 41 plans rated 4+ stars.

Highest CMS Star Ratings

Star Ratings are assigned by CMS based on quality measures including customer service, preventive care, and managing chronic conditions.

Plan NameInsurerStar RatingPremiumType
Blue Medicare Essential Plus (HMO-POS)Blue Cross And Blue Shield Of North Carolina4.5 ★$0.00/moHMO-POSEnroll
Humana Essentials Plus Giveback H7617-100 (PPO)Humana4.5 ★$0.00/moPPOEnroll
Humana Value Choice H7617-098 (PPO)Humana4.5 ★$0.00/moPPOEnroll
Aarp Medicare Advantage From Uhc Va-0006 (PPO)Unitedhealthcare4.5 ★$0.00/moPPOEnroll
Blue Medicare Enhanced (HMO-POS)Blue Cross And Blue Shield Of North Carolina4.5 ★$36.60/moHMO-POSEnroll

Lowest Monthly Premium

Lower premiums can save money, but check total costs including deductibles, copays, and MOOP.

Plan NameInsurerMonthly PremiumMOOPStar Rating
Aetna Medicare Signature Plus (HMO-POS)Aetna Medicare$0.00/mo$4,2003.0 ★
Blue Medicare Essential Plus (HMO-POS)Blue Cross And Blue Shield Of North Carolina$0.00/mo$6,7504.5 ★
Anthem Medicare Advantage 3 (HMO-POS)Anthem Healthkeepers$0.00/mo$4,7753.5 ★
Humana Value Choice H5216-266 (PPO)Humana$0.00/mo$5,9003.5 ★
Humana Gold Plus H1036-335 (HMO-POS)Humana$0.00/mo$3,9504.0 ★

Lowest Maximum Out-of-Pocket (MOOP)

MOOP caps your financial risk. Once you hit this limit, the plan covers 100% of covered services for the rest of the year.

Plan NameInsurerMOOP (In-Network)PremiumStar Rating
Aarp Medicare Advantage Access From Uhc Nc-23 (PPO)Unitedhealthcare$3,000$102.00/mo4.5 ★
Uhc Dual Complete Va-V001 (HMO-POS D-SNP)Unitedhealthcare$3,600$0.00/moN/A
Blue Medicare Medical Only (HMO-POS)Blue Cross And Blue Shield Of North Carolina$3,900$0.00/mo4.5 ★
Humana Gold Plus H1036-335 (HMO-POS)Humana$3,950$0.00/mo4.0 ★
Liberty Medicare Advantage (HMO C-SNP)Liberty Medicare Advantage$4,000$0.00/moN/A

Plan Type Mix in 23919, NC

HMO plans require referrals and in-network care. PPO plans offer more flexibility. SNP (Special Needs Plans) serve specific populations. MAPD plans include drug coverage.

Plan TypeCountPercentageDescription
PPO3938.6%No referrals; in and out-of-network
HMO-POS D-SNP1514.9%Medicare Advantage plan
HMO D-SNP1211.9%Medicare Advantage plan
HMO-POS98.9%HMO with some out-of-network options
PPO D-SNP76.9%Medicare Advantage plan
HMO55.0%Requires referrals; in-network only
HMO C-SNP44.0%Medicare Advantage plan
Regional PPO33.0%Medicare Advantage plan
PFFS22.0%Private Fee-for-Service
HMO-POS C-SNP22.0%Medicare Advantage plan
PPO I-SNP22.0%Medicare Advantage plan
HMO I-SNP11.0%Medicare Advantage plan

Choosing the Right Medicare Advantage Plan

The best Part C plan depends on your doctors, medications, and budget. Key factors to evaluate:

  • Provider network: Verify your doctors and hospitals near 23919, NC are in-network before enrolling
  • Total cost: A $0 premium may have higher copays—calculate your annual cost
  • Star Ratings: 4+ stars indicate above-average quality and member satisfaction

Read our full guide on choosing Medicare Advantage → · Print our enrollment checklist →
Medicare Glossary: HMO, PPO, MOOP & more →

Medicare Advantage Insurers in 23919, NC

10 insurance companies offer Medicare Advantage plans in 23919, NC. Below, we group plans by insurer so you can compare options from each company. More insurers generally means more competition and better benefits for consumers.

Blue Cross And Blue Shield Of North Carolina
Avg Star Rating
4.4 ★
7 plans
From $0.00/mo
Plan
Premium
MOOP
Stars
Type
Blue Medicare Essential (HMO)
$0.00/mo
$9,250
4.5 ★
HMO
Blue Medicare Essential Plus (HMO-POS)
$0.00/mo
$6,750
4.5 ★
HMO-POS
Blue Medicare Medical Only (HMO-POS)
$0.00/mo
$3,900
4.5 ★
HMO-POS
Blue Medicare Freedom+ (PPO)
$0.00/mo
$9,250
4.5 ★
PPO
Healthy Blue + Medicare (HMO-POS D-SNP)
$0.00/mo
$9,250
3.5 ★
HMO-POS D-SNP
Blue Medicare Ppo Enhanced (PPO)
$22.60/mo
$6,300
4.5 ★
PPO
Blue Medicare Enhanced (HMO-POS)
$36.60/mo
$4,200
4.5 ★
HMO-POS
Aetna Medicare
Avg Star Rating
4.3 ★
11 plans
From $0.00/mo
Plan
Premium
MOOP
Stars
Type
Aetna Medicare Enhanced (PPO)
$0.00/mo
$6,750
4.5 ★
PPO
Aetna Medicare Eagle Giveback (PPO)
$0.00/mo
$6,750
4.5 ★
PPO
Aetna Medicare Signature (PPO)
$0.00/mo
$6,750
4.5 ★
PPO
Aetna Medicare Eagle Giveback (PPO)
$0.00/mo
$6,750
4.5 ★
PPO
Aetna Medicare Signature Giveback (PPO)
$0.00/mo
$7,500
4.5 ★
PPO
Aetna Medicare Signature (PPO)
$0.00/mo
$8,900
4.5 ★
PPO
Aetna Medicare Signature Plus (HMO-POS)
$0.00/mo
$4,200
3.0 ★
HMO-POS
Aetna Medicare Value Plus (HMO)
$0.00/mo
$5,500
4.0 ★
HMO
Aetna Medicare Dual (HMO D-SNP)
$0.00/mo
$9,250
4.0 ★
HMO D-SNP
Aetna Medicare Enhanced Plus (PPO)
$6.00/mo
$6,500
4.5 ★
PPO
Aetna Medicare Premier (PPO)
$44.80/mo
$6,750
4.5 ★
PPO
Unitedhealthcare
Avg Star Rating
4.2 ★
23 plans
From $0.00/mo
Plan
Premium
MOOP
Stars
Type
Aarp Medicare Advantage Patriot No Rx Nc-Ma02 (HMO-POS)
$0.00/mo
$7,900
4.0 ★
HMO-POS
Uhc Dual Complete Nc-D001 (HMO-POS D-SNP)
$0.00/mo
$9,250
4.0 ★
HMO-POS D-SNP
Uhc Dual Complete Nc-V001 (HMO-POS D-SNP)
$0.00/mo
$5,900
4.0 ★
HMO-POS D-SNP
Uhc Dual Complete Nc-S3 (HMO-POS D-SNP)
$0.00/mo
$9,250
4.0 ★
HMO-POS D-SNP
Uhc Dual Complete Va-Y001 (HMO-POS D-SNP)
$0.00/mo
$9,250
N/A
HMO-POS D-SNP
Uhc Dual Complete Va-Y3 (HMO-POS D-SNP)
$0.00/mo
$9,250
N/A
HMO-POS D-SNP
Uhc Dual Complete Va-V001 (HMO-POS D-SNP)
$0.00/mo
$3,600
N/A
HMO-POS D-SNP
Uhc Dual Complete Va-Y002 (HMO-POS D-SNP)
$0.00/mo
$9,250
N/A
HMO-POS D-SNP
Uhc Dual Complete Va-Q001 (HMO-POS D-SNP)
$0.00/mo
$9,250
N/A
HMO-POS D-SNP
Aarp Medicare Advantage From Uhc Va-0018 (PPO)
$0.00/mo
$8,300
4.0 ★
PPO
Aarp Medicare Advantage From Uhc Nc-0019 (PPO)
$0.00/mo
$6,700
4.0 ★
PPO
Aarp Medicare Advantage Patriot No Rx Nc-Ma01 (PPO)
$0.00/mo
$8,900
4.5 ★
PPO
Uhc Dual Complete Va-Y4 (PPO D-SNP)
$0.00/mo
$9,250
N/A
PPO D-SNP
Aarp Medicare Advantage From Uhc Nc-0004 (PPO)
$0.00/mo
$6,200
4.5 ★
PPO
Aarp Medicare Advantage Patriot No Rx Va-Ma01 (PPO)
$0.00/mo
$8,900
4.5 ★
PPO
Aarp Medicare Advantage From Uhc Va-0006 (PPO)
$0.00/mo
$8,300
4.5 ★
PPO
Aarp Medicare Advantage From Uhc Nc-0001 (PPO)
$0.00/mo
$6,700
4.5 ★
PPO
Uhc Dual Complete Nc-S2 (PPO D-SNP)
$0.00/mo
$9,250
4.0 ★
PPO D-SNP
Uhc Dual Complete Nc-S001 (PPO D-SNP)
$0.00/mo
$9,250
4.0 ★
PPO D-SNP
Uhc Nursing Home Plan Ex-F004 (PPO I-SNP)
$0.00/mo
$9,250
4.0 ★
PPO I-SNP
Uhc Complete Care Nc-27 (HMO-POS C-SNP)
$0.00/mo
$5,400
4.0 ★
HMO-POS C-SNP
Aarp Medicare Advantage From Uhc Nc-26 (HMO-POS)
$0.00/mo
$5,400
4.0 ★
HMO-POS
Aarp Medicare Advantage Access From Uhc Nc-23 (PPO)
$102.00/mo
$3,000
4.5 ★
PPO
Humana
Avg Star Rating
3.7 ★
36 plans
From $0.00/mo
Plan
Premium
MOOP
Stars
Type
Humanachoice Snp-De H5525-036 (PPO D-SNP)
$0.00/mo
$9,250
3.5 ★
PPO D-SNP
Humana Gold Choice H8145-042 (PFFS)
$0.00/mo
$5,900
3.5 ★
PFFS
Humana Dual Select H2875-006 (HMO-POS D-SNP)
$0.00/mo
$9,250
N/A
HMO-POS D-SNP
Humana Gold Plus Snp-De H2875-002 (HMO-POS D-SNP)
$0.00/mo
$9,250
N/A
HMO-POS D-SNP
Humana Dual Fully Integrated H2875-001 (HMO-POS D-SNP)
$0.00/mo
$9,250
N/A
HMO-POS D-SNP
Humanachoice H5525-049 (PPO)
$0.00/mo
$9,250
3.5 ★
PPO
Humanachoice H5525-050 (PPO)
$0.00/mo
$9,250
3.5 ★
PPO
Humana Usaa Honor Giveback (PPO)
$0.00/mo
$9,250
3.5 ★
PPO
Humanachoice H5525-070 (PPO)
$0.00/mo
$9,250
3.5 ★
PPO
Humana Dual Select H5525-072 (PPO D-SNP)
$0.00/mo
$9,250
3.5 ★
PPO D-SNP
Humanachoice H5525-083 (PPO)
$0.00/mo
$9,250
3.5 ★
PPO
Humana Gold Plus H6622-083 (HMO)
$0.00/mo
$8,950
3.5 ★
HMO
Humana Gold Plus - Diabetes And Heart (HMO C-SNP)
$0.00/mo
$9,250
3.5 ★
HMO C-SNP
Humana Gold Plus H6622-085 (HMO)
$0.00/mo
$9,250
3.5 ★
HMO
Humana Total Complete H6622-091 (HMO)
$0.00/mo
$7,900
3.5 ★
HMO
Humana Value Choice H7617-098 (PPO)
$0.00/mo
$5,900
4.5 ★
PPO
Humana Essentials Plus Giveback H7617-100 (PPO)
$0.00/mo
$9,250
4.5 ★
PPO
Humanachoice R0110-004 (REGIONAL PPO)
$0.00/mo
$7,000
3.5 ★
Regional PPO
Humana Usaa Honor Giveback (REGIONAL PPO)
$0.00/mo
$9,250
3.5 ★
Regional PPO
Humana Gold Plus Snp-De H1036-167 (HMO D-SNP)
$0.00/mo
$9,250
4.0 ★
HMO D-SNP
Humana Dual Select H1036-307 (HMO D-SNP)
$0.00/mo
$9,250
4.0 ★
HMO D-SNP
Humana Gold Plus - Diabetes And Heart (HMO C-SNP)
$0.00/mo
$9,250
4.0 ★
HMO C-SNP
Humanachoice H5216-408 (PPO)
$0.00/mo
$8,850
3.5 ★
PPO
Humanachoice H5216-363 (PPO)
$0.00/mo
$9,250
3.5 ★
PPO
Humana Together In Health (PPO I-SNP)
$0.00/mo
$9,230
3.5 ★
PPO I-SNP
Humana Usaa Honor Giveback (PPO)
$0.00/mo
$8,700
3.5 ★
PPO
Humana Essentials Plus Giveback H5216-308 (PPO)
$0.00/mo
$9,250
3.5 ★
PPO
Humana Value Choice H5216-266 (PPO)
$0.00/mo
$5,900
3.5 ★
PPO
Humana Gold Plus Snp-De H1036-331 (HMO D-SNP)
$0.00/mo
$9,250
4.0 ★
HMO D-SNP
Humana Usaa Honor Giveback (PPO)
$0.00/mo
$8,700
4.5 ★
PPO
Humanachoice Giveback H5525-035 (PPO)
$0.00/mo
$9,250
3.5 ★
PPO
Humana Gold Plus H1036-335 (HMO-POS)
$0.00/mo
$3,950
4.0 ★
HMO-POS
Humana Gold Choice H8145-004 (PFFS)
$7.00/mo
$7,550
3.5 ★
PFFS
Humana Gold Plus - Diabetes And Heart (HMO C-SNP)
$8.00/mo
$9,250
3.5 ★
HMO C-SNP
Humana Full Access R0110-005 (REGIONAL PPO)
$34.80/mo
$9,250
3.5 ★
Regional PPO
Humanachoice H5216-211 (PPO)
$54.00/mo
$9,250
3.5 ★
PPO
Anthem Healthkeepers
Avg Star Rating
3.5 ★
6 plans
From $0.00/mo
Plan
Premium
MOOP
Stars
Type
Anthem Full Dual Advantage 2 (HMO D-SNP)
$0.00/mo
$9,250
N/A
HMO D-SNP
Anthem Kidney Care (HMO-POS C-SNP)
$0.00/mo
$5,900
3.5 ★
HMO-POS C-SNP
Anthem Medicare Advantage 3 (HMO-POS)
$0.00/mo
$4,775
3.5 ★
HMO-POS
Anthem Full Dual Advantage (HMO D-SNP)
$0.00/mo
$9,250
N/A
HMO D-SNP
Anthem Full Dual Advantage Support (HMO D-SNP)
$0.00/mo
$9,250
N/A
HMO D-SNP
Anthem Dual Advantage (HMO D-SNP)
$0.00/mo
$9,250
N/A
HMO D-SNP
Wellcare
Avg Star Rating
3.2 ★
9 plans
From $0.00/mo
Plan
Premium
MOOP
Stars
Type
Wellcare Simple (HMO-POS)
$0.00/mo
$4,200
3.5 ★
HMO-POS
Wellcare Dual Access (HMO-POS D-SNP)
$0.00/mo
$9,250
3.5 ★
HMO-POS D-SNP
Wellcare Dual Reserve (HMO-POS D-SNP)
$0.00/mo
$9,250
3.5 ★
HMO-POS D-SNP
Wellcare Dual Liberty (HMO-POS D-SNP)
$0.00/mo
$9,250
3.5 ★
HMO-POS D-SNP
Wellcare Patriot Giveback Open (PPO)
$0.00/mo
$8,850
3.0 ★
PPO
Wellcare Giveback Open (PPO)
$0.00/mo
$8,300
3.0 ★
PPO
Wellcare Assist Open (PPO)
$0.00/mo
$4,201
3.0 ★
PPO
Wellcare Simple Open (PPO)
$0.00/mo
$4,300
3.0 ★
PPO
Wellcare Dual Liberty Open (PPO D-SNP)
$0.00/mo
$9,250
3.0 ★
PPO D-SNP
Anthem Blue Cross And Blue Shield
Avg Star Rating
3.0 ★
3 plans
From $0.00/mo
Plan
Premium
MOOP
Stars
Type
Anthem Dual Advantage (PPO D-SNP)
$0.00/mo
$9,250
N/A
PPO D-SNP
Anthem Veteran (PPO)
$0.00/mo
$6,800
3.0 ★
PPO
Anthem Medicare Advantage (PPO)
$11.30/mo
$8,950
3.0 ★
PPO
Sentara Medicare
Avg Star Rating
3.0 ★
2 plans
From $0.00/mo
Plan
Premium
MOOP
Stars
Type
Sentara Community Complete Select (HMO D-SNP)
$0.00/mo
$9,250
3.0 ★
HMO D-SNP
Sentara Community Complete (HMO D-SNP)
$0.00/mo
$9,250
N/A
HMO D-SNP
Aetna Better Health Of Virginia
Avg Star Rating
3.0 ★
1 plans
From $0.00/mo
Plan
Premium
MOOP
Stars
Type
Aetna Medicare Fide (HMO D-SNP)
$0.00/mo
$9,250
3.0 ★
HMO D-SNP
Liberty Medicare Advantage
Avg Star Rating
N/A
3 plans
From $0.00/mo
Plan
Premium
MOOP
Stars
Type
Liberty Medicare Dual Plan (HMO D-SNP)
$0.00/mo
$7,550
N/A
HMO D-SNP
Liberty Medicare Advantage (HMO C-SNP)
$0.00/mo
$4,000
N/A
HMO C-SNP
Liberty Medicare Advantage Nursing Home Plan (HMO I-SNP)
$0.00/mo
$6,800
N/A
HMO I-SNP

Plan availability, premiums, and benefits shown are based on CMS data and may change. Always verify current details with the insurer and at Medicare.gov before enrolling.

Part D: Prescription Drug Plans (PDP)

Part D covers prescription drugs through standalone plans for those on Original Medicare, or as part of a Medicare Advantage bundle. Among the 21 standalone Part D plans in 23919, NC, some offer $0 annual deductibles while others charge up to the 2026 maximum of $590. 4 plans are at or below the regional premium benchmark, making them eligible for Low Income Subsidy auto-enrollment. The 2026 $2,000 out-of-pocket cap means drug costs are now more predictable regardless of which plan you choose, but formulary coverage still varies significantly—always verify your medications are covered before enrolling.

Part D Formulary Notice: Each Part D plan has its own formulary (list of covered drugs). The same medication may be on different tiers—or not covered at all—depending on the plan. Always check that your specific medications are covered before enrolling.
2026 Out-of-Pocket Cap: Thanks to the Inflation Reduction Act, your total out-of-pocket drug costs are capped at $2,000 per year in 2026. Once you reach this limit, you pay nothing more for covered Part D drugs for the rest of the year. This eliminates the old "donut hole" coverage gap that previously caused higher costs.
Low Income Subsidy (LIS / Extra Help): If you have limited income and resources, you may qualify for Extra Help paying Part D costs. Visit SSA.gov or call 1-800-MEDICARE.

Top Part D Drug Plans in 23919, NC

We organize Part D plans by CMS Star Ratings, premiums, and deductibles so you can find the best fit for your prescription needs. Part D premiums in 23919, NC range from $0 to $163/month. Remember: all Part D plans now cap your annual out-of-pocket drug costs at $2,000 thanks to the Inflation Reduction Act.

Highest CMS Star Ratings (Part D)

Part D Star Ratings measure drug pricing, customer service, member complaints, and pharmacy access.

Plan NameInsurerStar RatingPremiumDeductible
Wellcare Value Script (PDP)Wellcare3.5 ★$0.00/mo$615Enroll
Wellcare Value Script (PDP)Wellcare3.5 ★$3.60/mo$615Enroll
Wellcare Classic (PDP)Wellcare3.5 ★$0.00/mo$615Enroll
Wellcare Classic (PDP)Wellcare3.5 ★$4.70/mo$615Enroll
Humana Value Rx Plan (PDP)Humana3.0 ★$0.00/mo$601Enroll

Lowest Monthly Premium

Lower premiums help with monthly cash flow, but check drug tier costs and the deductible.

Plan NameInsurerMonthly PremiumDrug DeductibleStar Rating
Wellcare Value Script (PDP)Wellcare$0.00/mo$6153.5 ★
Humana Value Rx Plan (PDP)Humana$0.00/mo$6013.0 ★
Wellcare Classic (PDP)Wellcare$0.00/mo$6153.5 ★
Humana Basic Rx Plan (PDP)Humana$0.00/mo$6153.0 ★
Wellcare Value Script (PDP)Wellcare$3.60/mo$6153.5 ★

Lowest Annual Drug Deductible

The deductible is what you pay out-of-pocket before the plan starts covering drug costs. The 2026 maximum Part D deductible is $590. Many plans offer $0 deductible options.

Plan NameInsurerDrug DeductibleMonthly PremiumStar Rating
Humana Premier Rx Plan (PDP)Humana$0$87.60/mo3.0 ★
Humana Premier Rx Plan (PDP)Humana$0$110.90/mo3.0 ★
Blue Medicare Rx Enhanced (PDP)Blue Cross And Blue Shield Of North Carolina$0$163.20/mo3.0 ★
Aarp Medicare Rx Preferred From Uhc (PDP)Unitedhealthcare$130$100.80/mo2.0 ★
Aarp Medicare Rx Preferred From Uhc (PDP)Unitedhealthcare$130$119.80/mo2.0 ★
Understanding drug tiers: Part D plans organize medications into 5 cost tiers — Tier 1 (Preferred Generic) is cheapest; Tier 5 (Specialty) is most expensive. Two plans with the same premium can have very different costs for your drugs depending on tier placement. Learn more about drug tiers →

Choosing the Right Part D Drug Plan

The right Part D plan depends on your specific medications. Key factors to evaluate:

  • Formulary: Verify your drugs are covered before enrolling
  • Preferred pharmacies: Lower copays at certain locations—check your pharmacy is in-network
  • Total annual cost: Premium + deductible + copays for your drugs

Read our full guide on choosing Part D →
What is a formulary? See our Medicare Glossary →

Part D Drug Plan Insurers in 23919, NC

6 insurance companies offer standalone Part D drug plans in 23919, NC. Below, we group plans by insurer.

Wellcare
Avg Star Rating
3.5 ★
4 plans
From $0.00/mo
Plan
Premium
Deductible
Stars
Type
Wellcare Classic (PDP)
$0.00/mo
$615
3.5 ★
PDP
Wellcare Value Script (PDP)
$0.00/mo
$615
3.5 ★
PDP
Wellcare Value Script (PDP)
$3.60/mo
$615
3.5 ★
PDP
Wellcare Classic (PDP)
$4.70/mo
$615
3.5 ★
PDP
Humana
Avg Star Rating
3.0 ★
6 plans
From $0.00/mo
Plan
Premium
Deductible
Stars
Type
Humana Basic Rx Plan (PDP)
$0.00/mo
$615
3.0 ★
PDP
Humana Value Rx Plan (PDP)
$0.00/mo
$601
3.0 ★
PDP
Humana Basic Rx Plan (PDP)
$6.80/mo
$615
3.0 ★
PDP
Humana Value Rx Plan (PDP)
$32.00/mo
$601
3.0 ★
PDP
Humana Premier Rx Plan (PDP)
$87.60/mo
$0
3.0 ★
PDP
Humana Premier Rx Plan (PDP)
$110.90/mo
$0
3.0 ★
PDP
Blue Cross And Blue Shield Of North Carolina
Avg Star Rating
3.0 ★
2 plans
From $83.90/mo
Plan
Premium
Deductible
Stars
Type
Blue Medicare Rx Standard (PDP)
$83.90/mo
$615
3.0 ★
PDP
Blue Medicare Rx Enhanced (PDP)
$163.20/mo
$0
3.0 ★
PDP
Aetna Medicare
Avg Star Rating
3.0 ★
2 plans
From $78.20/mo
Plan
Premium
Deductible
Stars
Type
Silverscript Choice (PDP)
$78.20/mo
$615
3.0 ★
PDP
Silverscript Choice (PDP)
$90.20/mo
$615
3.0 ★
PDP
Healthspring
Avg Star Rating
2.5 ★
3 plans
From $78.00/mo
Plan
Premium
Deductible
Stars
Type
Healthspring Extra Rx (PDP)
$78.00/mo
$615
2.5 ★
PDP
Healthspring Assurance Rx (PDP)
$110.40/mo
$615
2.5 ★
PDP
Healthspring Assurance Rx (PDP)
$133.80/mo
$615
2.5 ★
PDP
Unitedhealthcare
Avg Star Rating
2.0 ★
4 plans
From $39.60/mo
Plan
Premium
Deductible
Stars
Type
Aarp Medicare Rx Saver From Uhc (PDP)
$39.60/mo
$615
2.0 ★
PDP
Aarp Medicare Rx Saver From Uhc (PDP)
$56.90/mo
$615
2.0 ★
PDP
Aarp Medicare Rx Preferred From Uhc (PDP)
$100.80/mo
$130
2.0 ★
PDP
Aarp Medicare Rx Preferred From Uhc (PDP)
$119.80/mo
$130
2.0 ★
PDP

Plan availability, premiums, and benefits shown are based on CMS data and may change. Always verify current details with the insurer and at Medicare.gov before enrolling.

Ready to Enroll in 23919, NC?

Compare plans side-by-side at Medicare.gov or speak with a licensed Medicare specialist.

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Pharmacy Access in 23919, NC

Part D plans have preferred pharmacy networks where you'll pay lower copays. Here's a look at pharmacy options in and around 23919, NC.

Total Pharmacies

3
within 10.0 miles

Chain Pharmacies

2
CVS, Walgreens, etc.

Independent Pharmacies

1
locally owned
PharmacyAddress & PhoneDistanceType
WAL-MART STORES EAST , LP315 FURR ST SOUTH HILL, VA 239709500📞 434-444-25788.9 miChain
VIRGINIA CVS PHARMACY LLC807 E ATLANTIC ST SOUTH HILL, VA 239703423📞 434-444-31179.4 miChain
JOHN E LOVE PHARMACIST LTD605 E ATLANTIC ST SOUTH HILL, VA 239702709📞 434-444-26019.6 miIndependent
SOUTH HILL DRUG COMPANY INC1016 W ATLANTIC ST SOUTH HILL, VA 239701702📞 434-444-872010.4 miIndependent
COMMUNITY MEMORIAL HOSPITAL125 BUENA VISTA CIR SOUTH HILL, VA 239701431📞 434-477-240010.5 miIndependent
PERSONAL HOMECARE INC860 N MECKLENBURG AVE SOUTH HILL, VA 23970📞 434-444-882010.5 miIndependent
RURAL HEALTH GROUP INC110 DIVISION ST NORLINA, NC 275639041📞 252-253-583111.1 miIndependent
WALGREEN CO126 E MACON ST WARRENTON, NC 275892018📞 252-225-292213.0 miChain
FUTRELL PHARMACY SERVICE INC108 S MAIN ST STE B WARRENTON, NC 275891965📞 252-225-214713.0 miIndependent
HUNTER DRUG COMPANY INC126 S MAIN ST WARRENTON, NC 275891952📞 252-225-313113.1 miIndependent

Pharmacy data from CMS. Network participation varies by plan—always verify with your specific Part D plan.

Local Healthcare Access in 23919, NC

Before choosing a plan, consider the healthcare infrastructure in 23919, NC. Medicare Advantage plans restrict you to in-network hospitals, so understanding local hospital quality helps you pick the right plan — not just the cheapest one.

Note: The facilities below do not indicate which providers are in-network for any specific plan. Always verify network status with your plan before enrolling.

Hospitals Nearby

2
within 25.0 miles

Top-Rated Hospitals near 23919, NC

If hospital access matters to your plan choice, check quality ratings before you enroll. These are the highest CMS-rated hospitals near 23919, NC — click a hospital name to see its full profile and verify it's in your plan's network.

HospitalCMS RatingDistanceBeds
Southside Community Hospital, Inc4 ★52.2 mi116
Community Memorial Hospital3 ★11.3 mi70
Unc Health Nash3 ★44.4 mi332
Sentara Halifax Regional Hospital3 ★45.4 mi192
Maria Parham Medical Center2 ★24.0 mi102
Ecu Health North Hospital2 ★27.9 mi206
Granville Health Systems2 ★32.1 mi62
Bon Secours Southern Virginia Medical CenterNot Rated32.8 mi80
Central Regional HospitalNot Rated47.6 mi466
Person Memorial HospitalNot Rated50.0 mi50

View all 2 hospitals near 23919, NC to check quality before you enroll →

Hospital data from CMS Hospital Compare and Provider of Services file. Distance calculated from center of 23919, NC.

Questions to ask your doctor about Medicare coverage →

Telehealth in 23919, NC: Is Your Internet Ready?

Many Medicare Advantage and some Part D plans now include telehealth benefits, making routine check-ins and prescription refills easier from home. But telehealth requires reliable internet—here's a look at connectivity in 23919, NC. For official guidance on virtual visits, see Telehealth.HHS.gov from the U.S. Department of Health & Human Services.

Internet Coverage in 23919, NC

Fiber Available
100.0%
of households
Cable/DSL Available
100.0%
of households
Top Provider
XFINITY
3.2% coverage
No Broadband
1.0%
of households

Internet coverage data from ISP Reports. View full internet report for 23919, NC.

Medicare-Relevant Demographics in 23919, NC

Understanding 23919, NC's demographics helps contextualize why insurers offer the plans they do. Areas with more seniors and higher incomes tend to attract more insurer competition, while areas with higher Medicaid enrollment may have more Dual-Eligible Special Needs Plans (D-SNP) available.

Total Population
2,741
Population 65+
932
34.0% of total
Median Age
54
16.3 years older than the national average
Median Income
$68,542
8.8% below the National Average
On Medicare
745
27.2% of residents
On Medicaid
326
11.9% of residents
Uninsured
136
5.0% of residents
Social Security Recipients
1,475
53.8% of population

Demographic data from U.S. Census Bureau American Community Survey (2023). View full 23919, NC demographics (BestNeighborhood.org).

Community Health in 23919, NC

CDC PLACES population-health estimates for 23919, NC. These indicators influence which Medicare plans tend to perform best here — plans that score well on condition-specific quality measures (diabetes A1c control, blood-pressure control, heart-attack readmission) are usually stronger matches in communities with elevated disease burden.

Diabetes
16.9%
of adults · US avg 12.1%
Heart Disease
9.4%
coronary heart disease · US avg 6.2%
High Blood Pressure
45.3%
of adults · US avg 34.1%

Source: CDC PLACES (2025) — zip-level, population-weighted estimates.

Medicare Plans by Health Condition in 23919, NC

Not every Medicare plan performs equally on every condition. These condition-specific pages rank the plans available in this zip by the CMS quality measures that matter most for each condition:

Top Medicare Doctors in 23919, NC

Medicare-enrolled doctors practicing in or near 23919, NC, ranked by specialty leadership and Medicare patient volume. The plan you pick is only as good as the doctors who accept it — verify your preferred doctors are in-network before enrolling.

See all Medicare doctors near 23919, NC →

Qualify for Both Medicare & Medicaid?

If you are dual-eligible for Medicare and Medicaid, a Dual-Eligible Special Needs Plan (D-SNP) combines both into a single card — typically with $0 premiums, $0 copays, and extra benefits like dental, vision, transportation, and over-the-counter allowances.

View D-SNP Plans in 23919, NC →

Local Medicare FAQ: 23919, NC

Common decision points based on 23919, NC's specific plan market and local healthcare landscape.

How does 23919, NC's Medicare Advantage market compare?

23919, NC has 101 Medicare Advantage plans from 10 insurers. This is significantly above the national average of approximately 57 plans per area, indicating a highly competitive local market. More competition typically means lower premiums and better supplemental benefits for beneficiaries. The local mix includes 48 HMO and 51 PPO plans. Plan availability updates annually during the Medicare Annual Enrollment Period (October 15 – December 7).

Should I choose an HMO or PPO Medicare Advantage plan in 23919, NC?

With limited hospital access nearby, a PPO plan (51 available) could be worth the extra cost for out-of-network coverage, especially if you need to travel for specialized care. In 23919, NC, PPO plans are more common, giving you more flexibility options to compare. Always verify your doctors are in-network before enrolling in any plan.

What's the real cost of $0 premium plans in 23919, NC?

91 plans (90% of available options) in 23919, NC charge $0 beyond the standard Part B premium. This high percentage reflects strong insurer competition in the area. However, $0 premium doesn't mean $0 cost. These plans may have higher copays, coinsurance, or out-of-pocket maximums. In 23919, NC, maximum out-of-pocket limits range from $3,000 to an average of $7,905. We recommend calculating your total expected annual cost (premium + copays + drug costs) rather than choosing based on premium alone.

How does the 2026 $2,000 drug cap affect 23919, NC beneficiaries?

The Inflation Reduction Act capped annual out-of-pocket drug spending at $2,000 starting in 2025, eliminating the old "donut hole" coverage gap. This applies to all 21 standalone Part D plans in 23919, NC.

What this means locally:

  • Cost predictability — No matter which of the 21 Part D plans you choose, your drug costs are capped at $2,000/year
  • $0 deductible options — Some local plans offer $0 deductibles, meaning coverage starts immediately
  • Low-income options — 4 plans meet the regional benchmark for Extra Help/LIS eligibility

While the out-of-pocket cap standardizes maximum costs, formulary coverage still varies significantly between plans. A drug that costs $5/month on one plan's formulary might cost $50 on another. Always check that your specific medications are covered and compare tier placement before enrolling.

See all Medicare FAQs in our complete guide → · Enrollment checklist →
Medicare Glossary · Enrollment Dates & Deadlines · Doctor Questions

About the Data & Editorial Team

Wes Ward

Wes Ward

Founder & Data Lead

Wes Ward is the founder of InsuranceDataNow.org and reviews all content for data accuracy and methodology compliance.

With 25+ years in data analytics — including work with highly regulated genomic data at Ancestry.com — Wes brings enterprise-level rigor to consumer data tools. He is also a co-founder of BestNeighborhood.org, CrimeGrade.org, and ISPReports.org.

Role: Reviews and approves all content for data accuracy, source verification, and methodology compliance.

View full profile →LinkedIn

Transparency & Disclosures

InsuranceDataNow is an advertising-supported publisher based in South Jordan, Utah. We are not affiliated with or endorsed by Medicare or the U.S. government.

TPMO Disclaimer: 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 1-800-MEDICARE (24 hours a day/7 days a week) to get information on all of your options.

Sources

  • CMS Medicare Plan Finder Data (Part C & D): Plan availability, premiums, deductibles, formularies, and Star Ratings from cms.gov
  • CMS Provider Data: Hospital and pharmacy facility data from data.cms.gov
  • CMS NPPES: Doctor identity, specialties, and addresses from npiregistry.cms.hhs.gov
  • CMS Medicare Provider Utilization & Payment Data: Doctor patient volumes and procedures from data.cms.gov
  • CMS Physician Compare: Doctor-hospital affiliations from data.cms.gov
  • CDC PLACES: Zip-level chronic-condition prevalence (Behavioral Risk Factor Surveillance System estimates) from cdc.gov/places
  • U.S. Census Bureau / American Community Survey: Demographics for 23919, NC from census.gov
  • FCC Broadband Map: Internet availability data from broadbandmap.fcc.gov
  • Telehealth.HHS.gov: Official telehealth guidance from U.S. Dept. of Health & Human Services
  • ISP Reports: Internet provider coverage for 23919, NC from ispreports.org
  • BestNeighborhood.org: Community demographic profiles for 23919, NC from bestneighborhood.org
  • CrimeGrade.org: Block-level safety analytics for 23919, NC from crimegrade.org

All data is sourced from official government databases and trusted third-party providers. Data is updated regularly—see page header for last refresh dates. Read our full methodology →Privacy policy

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