Devoted Health
Avg Star Rating
5.0 ★
Plan
Premium
MOOP
Stars
Type
Compare & Enroll — Part C & Part D
Compare & Enroll in Medicare Plans in North Carolina
With 155 Medicare Advantage options from 17 insurers, North Carolina has significantly more plan choices than the national average, suggesting a highly competitive market where insurers often lower premiums to attract members. Approximately 94% of local MA plans charge $0 beyond the standard Part B premium, reflecting strong price competition. With 3 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 •
Reviewed & approved on 2026-02-16
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
155
Part D Plans
12
Top MA Star
5.0
Top Drug Star
3.5
Medicare Eligibility in North Carolina
Approximately 1,856,150 residents (16.8% of the population) in North Carolina 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 North Carolina is $80,144 (6.6% above 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. North Carolina's 155 Medicare Advantage plans are a mix leaning toward HMO networks (98 HMO, 56 PPO). 145 plans offer $0 monthly premiums. Quality is strong—the average local star rating is 4.1 out of 5, with the top plan earning 5.0 ★.
Top Medicare Advantage Plans in North Carolina
We organize CMS plan data into separate leaderboards so you can compare based on what matters most to you. Part C premiums in North Carolina range from $0 to $129/month. Among rated plans, 101 plans rated 4+ stars, including 26 with perfect 5-star ratings.
Highest CMS Star Ratings
Star Ratings are assigned by CMS based on quality measures including customer service, preventive care, and managing chronic conditions.
| Plan Name | Insurer | Star Rating | Premium | Type | |
|---|---|---|---|---|---|
| Devoted Giveback 002 Nc (HMO) | Devoted Health | 5.0 ★ | $0.00/mo | HMO | Enroll |
| Devoted Core 001 Nc (HMO) | Devoted Health | 5.0 ★ | $0.00/mo | HMO | Enroll |
| Devoted Dual Full 013 Nc (HMO D-SNP) | Devoted Health | 5.0 ★ | $0.00/mo | HMO D-SNP | Enroll |
| Devoted C-Snp Premium 016 Nc (HMO C-SNP) | Devoted Health | 5.0 ★ | $0.00/mo | HMO C-SNP | Enroll |
| Devoted C-Snp Plus 015 Nc (HMO C-SNP) | Devoted Health | 5.0 ★ | $0.00/mo | HMO C-SNP | Enroll |
Lowest Monthly Premium
Lower premiums can save money, but check total costs including deductibles, copays, and MOOP.
| Plan Name | Insurer | Monthly Premium | MOOP | Star Rating |
|---|---|---|---|---|
| Blue Medicare Essential Plus (HMO-POS) | Blue Cross And Blue Shield Of North Carolina | $0.00/mo | $7,450 | 4.5 ★ |
| Humana Gold Plus H1036-335 (HMO-POS) | Humana | $0.00/mo | $3,950 | 4.0 ★ |
| Healthteam Advantage Plan I (PPO) | Healthteam Advantage | $0.00/mo | $3,900 | 4.0 ★ |
| Aetna Medicare Signature (PPO) | Aetna Medicare | $0.00/mo | $5,900 | 4.5 ★ |
| Aarp Medicare Advantage From Uhc Nc-0015 (HMO-POS) | Unitedhealthcare | $0.00/mo | $4,200 | 4.0 ★ |
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 Name | Insurer | MOOP (In-Network) | Premium | Star Rating |
|---|---|---|---|---|
| Erickson Advantage Guardian (HMO-POS I-SNP) | Unitedhealthcare | $1,000 | $0.00/mo | 5.0 ★ |
| Erickson Advantage Signature (HMO-POS) | Unitedhealthcare | $2,900 | $8.30/mo | 5.0 ★ |
| Aarp Medicare Advantage Access From Uhc Nc-23 (PPO) | Unitedhealthcare | $3,000 | $102.00/mo | 4.5 ★ |
| Healthspring Preferred Select (HMO) | Healthspring | $3,200 | $0.00/mo | 4.0 ★ |
| Healthspring Preferred Plus (HMO) | Healthspring | $3,300 | $0.00/mo | 4.0 ★ |
Plan Type Mix in North Carolina
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 Type | Count | Percentage | Description |
|---|---|---|---|
| PPO | 47 | 30.3% | No referrals; in and out-of-network |
| HMO-POS | 30 | 19.4% | HMO with some out-of-network options |
| HMO | 21 | 13.5% | Requires referrals; in-network only |
| HMO D-SNP | 13 | 8.4% | Medicare Advantage plan |
| HMO C-SNP | 11 | 7.1% | Medicare Advantage plan |
| HMO-POS D-SNP | 9 | 5.8% | Medicare Advantage plan |
| HMO I-SNP | 8 | 5.2% | Medicare Advantage plan |
| HMO-POS C-SNP | 5 | 3.2% | Medicare Advantage plan |
| PPO D-SNP | 5 | 3.2% | Medicare Advantage plan |
| Regional PPO | 3 | 1.9% | Medicare Advantage plan |
| PFFS | 1 | 0.6% | Private Fee-for-Service |
| HMO-POS I-SNP | 1 | 0.6% | Medicare Advantage plan |
| PPO I-SNP | 1 | 0.6% | 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 in North Carolina 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 North Carolina
17 insurance companies offer Medicare Advantage plans in North Carolina. 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.
Nhc Advantage
Avg Star Rating
5.0 ★
Longevity Health Plan
Avg Star Rating
5.0 ★
Plan
Premium
MOOP
Stars
Type
Alignment Health Plan
Avg Star Rating
4.5 ★
Plan
Premium
MOOP
Stars
Type
Blue Cross And Blue Shield Of North Carolina
Avg Star Rating
4.4 ★
Plan
Premium
MOOP
Stars
Type
Unitedhealthcare
Avg Star Rating
4.2 ★
Plan
Premium
MOOP
Stars
Type
Aetna Medicare
Avg Star Rating
4.2 ★
Plan
Premium
MOOP
Stars
Type
Healthteam Advantage
Avg Star Rating
4.0 ★
Plan
Premium
MOOP
Stars
Type
Experience Health
Avg Star Rating
4.0 ★
Plan
Premium
MOOP
Stars
Type
Healthspring
Avg Star Rating
3.9 ★
Plan
Premium
MOOP
Stars
Type
Humana
Avg Star Rating
3.6 ★
Plan
Premium
MOOP
Stars
Type
Wellcare
Avg Star Rating
3.2 ★
Plan
Premium
MOOP
Stars
Type
Troy Medicare
Avg Star Rating
3.0 ★
Provider Partners Health Plans
Avg Star Rating
N/A
Liberty Medicare Advantage
Avg Star Rating
N/A
Pruitthealth Premier
Avg Star Rating
N/A
Plan
Premium
MOOP
Stars
Type
Amerihealth Caritas Vip Care
Avg Star Rating
N/A
Plan
Premium
MOOP
Stars
Type
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 12 standalone Part D plans in North Carolina, some offer $0 annual deductibles while others charge up to the 2026 maximum of $590. 2 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 North Carolina
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 North Carolina range from $4 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 Name | Insurer | Star Rating | Premium | Deductible | |
|---|---|---|---|---|---|
| Wellcare Value Script (PDP) | Wellcare | 3.5 ★ | $3.60/mo | $615 | Enroll |
| Wellcare Classic (PDP) | Wellcare | 3.5 ★ | $4.70/mo | $615 | Enroll |
| Silverscript Choice (PDP) | Aetna Medicare | 3.0 ★ | $90.20/mo | $615 | Enroll |
| Humana Basic Rx Plan (PDP) | Humana | 3.0 ★ | $6.80/mo | $615 | Enroll |
| Humana Value Rx Plan (PDP) | Humana | 3.0 ★ | $32.00/mo | $601 | Enroll |
Lowest Monthly Premium
Lower premiums help with monthly cash flow, but check drug tier costs and the deductible.
| Plan Name | Insurer | Monthly Premium | Drug Deductible | Star Rating |
|---|---|---|---|---|
| Wellcare Value Script (PDP) | Wellcare | $3.60/mo | $615 | 3.5 ★ |
| Wellcare Classic (PDP) | Wellcare | $4.70/mo | $615 | 3.5 ★ |
| Humana Basic Rx Plan (PDP) | Humana | $6.80/mo | $615 | 3.0 ★ |
| Humana Value Rx Plan (PDP) | Humana | $32.00/mo | $601 | 3.0 ★ |
| Aarp Medicare Rx Saver From Uhc (PDP) | Unitedhealthcare | $56.90/mo | $615 | 2.0 ★ |
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 Name | Insurer | Drug Deductible | Monthly Premium | Star Rating |
|---|---|---|---|---|
| Humana Premier Rx Plan (PDP) | Humana | $0 | $110.90/mo | 3.0 ★ |
| Blue Medicare Rx Enhanced (PDP) | Blue Cross And Blue Shield Of North Carolina | $0 | $163.20/mo | 3.0 ★ |
| Aarp Medicare Rx Preferred From Uhc (PDP) | Unitedhealthcare | $130 | $119.80/mo | 2.0 ★ |
| Humana Value Rx Plan (PDP) | Humana | $601 | $32.00/mo | 3.0 ★ |
| Wellcare Value Script (PDP) | Wellcare | $615 | $3.60/mo | 3.5 ★ |
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 North Carolina
6 insurance companies offer standalone Part D drug plans in North Carolina. Below, we group plans by insurer.
Wellcare
Avg Star Rating
3.5 ★
Humana
Avg Star Rating
3.0 ★
Blue Cross And Blue Shield Of North Carolina
Avg Star Rating
3.0 ★
Aetna Medicare
Avg Star Rating
3.0 ★
Plan
Premium
Deductible
Stars
Type
Healthspring
Avg Star Rating
2.5 ★
Unitedhealthcare
Avg Star Rating
2.0 ★
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 North Carolina?
Compare plans side-by-side at Medicare.gov or speak with a licensed Medicare specialist.
📋 Print our Medicare Enrollment Checklist — gather your info before you compare.
📅 Enrollment Dates & Deadlines · 🩺 Questions to Ask Your Doctor
Medicare.gov is the official U.S. government site for Medicare. Available 24/7.
Pharmacy Access in North Carolina
Part D plans have preferred pharmacy networks where you'll pay lower copays. Here's a look at pharmacy options in and around North Carolina.
Total Pharmacies
1
within 5.0 miles
Chain Pharmacies
0
CVS, Walgreens, etc.
Independent Pharmacies
1
locally owned
| Pharmacy | Address & Phone | Distance | Type |
|---|---|---|---|
| SEAGROVE ASSOCIATES LLC | 510 N BROAD ST SEAGROVE, NC 273418583 336-687-8246 | 2.9 mi | Independent |
| GOSHEN MEDICAL CENTER INCORPORATED | 103 COTTON CREEK RD STAR, NC 273567954 910-022-4970 | 8.4 mi | Independent |
| SOUTHERN PINES PRESCRIPTION SHOP INC | 300 MIDDLETON ST ROBBINS, NC 27325 910-094-2921 | 10.5 mi | Independent |
| KERR DRUG INC | 529 E MAIN ST BISCOE, NC 272099779 910-042-2531 | 10.6 mi | Independent |
| BISCOE PHARMACY, INC. | 2295 NC HIGHWAY 24/27 EAST BISCOE, NC 272090249 910-063-8408 | 10.7 mi | Independent |
| WAL-MART STORES EAST LP | 201 MONTGOMERY XING BISCOE, NC 272099580 910-042-3313 | 11.1 mi | Chain |
| WAL-MART STORES EAST LP | 1226 E DIXIE DR ASHEBORO, NC 272038856 336-662-5675 | 12.6 mi | Chain |
| NORTH CAROLINA CVS PHARMACY LLC | 440 E DIXIE DR ASHEBORO, NC 272036860 336-662-2314 | 12.7 mi | Chain |
| ZOO CITY DRUG INC | 1204 SHAMROCK RD ASHEBORO, NC 272036947 336-662-3784 | 12.7 mi | Independent |
| WALGREEN CO | 1107 E DIXIE DR ASHEBORO, NC 272038813 336-662-7034 | 12.8 mi | Chain |
Pharmacy data from CMS. Network participation varies by plan—always verify with your specific Part D plan.
Local Healthcare Access in North Carolina
Before choosing a plan, consider the healthcare infrastructure in North Carolina. 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
3
within 25.0 miles
Top-Rated Hospitals in North Carolina
If hospital access matters to your plan choice, check quality ratings before you enroll. These are the highest CMS-rated hospitals in North Carolina — click a hospital name to see its full profile and verify it's in your plan's network.
| Hospital | CMS Rating | Distance | Beds |
|---|---|---|---|
| Firsthealth Moore Regional Hospital | 4 ★ | 26.8 mi | 395 |
| Moses H. Cone Memorial Hospital, The | 4 ★ | 40.1 mi | 1,232 |
| Randolph Hospital | 3 ★ | 14.2 mi | 145 |
| Stanly Regional Medical Center | 3 ★ | 27.2 mi | 109 |
| Novant Health Thomasville Medical Center | 3 ★ | 31.7 mi | 149 |
| High Point Regional Health System | 2 ★ | 34.4 mi | 354 |
| Alamance Regional Medical Center | 2 ★ | 40.4 mi | 238 |
| Central Carolina Hospital | 1 ★ | 31.6 mi | 137 |
| Firsthealth Montgomery Memorial Hosp | Not Rated | 13.0 mi | 25 |
| Chatham Hospital Inc | Not Rated | 23.4 mi | 68 |
View all 3 hospitals in North Carolina to check quality before you enroll →
Hospital data from CMS Hospital Compare and Provider of Services file. Distance calculated from center of North Carolina.
Telehealth in North Carolina: 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 North Carolina. For official guidance on virtual visits, see Telehealth.HHS.gov from the U.S. Department of Health & Human Services.
Check Internet Providers at Your Address
Telehealth works best with reliable internet. Use this tool (provided free by ISP Reports) to see what's available at your address.
Opens ISP Reports in a new tab. This is not a paid relationship. Special thank you to ISP Reports for allowing free use of their address tool.
Internet Coverage in North Carolina
Fiber Available
72.6%
of households
Cable/DSL Available
97.8%
of households
Top Provider
Infinitylink Communications
0.5% coverage
No Broadband
2.4%
of households
Internet coverage data from ISP Reports. View full internet report for North Carolina.
Medicare-Relevant Demographics in North Carolina
Understanding North Carolina'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
11,020,880
Population 65+
1,856,150
16.8% of total
Median Age
40
2.3 years older than the national average
Median Income
$80,144
6.6% above the National Average
On Medicare
1,615,593
14.7% of residents
On Medicaid
1,644,512
14.9% of residents
Uninsured
1,118,202
10.1% of residents
Social Security Recipients
3,451,274
31.3% of population
Demographic data from U.S. Census Bureau American Community Survey (2023). View full North Carolina demographics (BestNeighborhood.org).
Local Medicare FAQ: North Carolina
Common decision points based on North Carolina's specific plan market and local healthcare landscape.
How does North Carolina's Medicare Advantage market compare?
North Carolina has 155 Medicare Advantage plans from 17 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 98 HMO and 56 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 North Carolina?
With 3 hospitals nearby, a PPO plan may offer valuable flexibility if your preferred providers aren't all in the same network. HMO plans (98 available) cost less but limit your choices. In North Carolina, HMO plans dominate the market, which often means more competitive HMO pricing. Always verify your doctors are in-network before enrolling in any plan.
What's the real cost of $0 premium plans in North Carolina?
145 plans (94% of available options) in North Carolina 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 North Carolina, maximum out-of-pocket limits range from $1,000 to an average of $6,965. 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 North Carolina 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 12 standalone Part D plans in North Carolina.
What this means locally:
- Cost predictability — No matter which of the 12 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 — 2 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
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.
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): cms.gov
- CMS Provider Directory: Hospital and pharmacy data from data.cms.gov
- American Community Survey: Demographic data from census.gov
- FCC Broadband Map: Internet availability data from broadbandmap.fcc.gov
- ISP Reports: Internet provider coverage for North Carolina from ispreports.org
- Telehealth.HHS.gov: Official telehealth guidance from U.S. Dept. of Health & Human Services
- BestNeighborhood.org: Community demographic profiles for North Carolina from bestneighborhood.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.