
Compare & Enroll — Part C & Part D
Compare & Enroll in Medicare Plans in 28374, NC
With 62 Medicare Advantage options from 8 insurers, 28374, NC has plan availability roughly in line with the national average, suggesting a highly competitive market where insurers often lower premiums to attract members. Approximately 92% 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.
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).
Medicare Eligibility in 28374, NC
Approximately 7,921 residents (37.6% of the population) in 28374, 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 28374, NC is $105,469 (40.3% 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. 28374, NC's 62 Medicare Advantage plans are a mix leaning toward PPO networks (32 PPO, 30 HMO). 57 plans offer $0 monthly premiums. The average local star rating is 3.9 out of 5, with the top plan earning 5.0 ★.
Top Medicare Advantage Plans in 28374, NC
We organize CMS plan data into separate leaderboards so you can compare based on what matters most to you. Part C premiums in 28374, NC range from $0 to $102/month. Among rated plans, 34 plans rated 4+ stars, including 1 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 | |
|---|---|---|---|---|---|
| Longevity Health Plan (HMO I-SNP) | Longevity Health Plan | 5.0 ★ | $0.00/mo | HMO I-SNP | Enroll |
| Blue Medicare Essential Plus (HMO-POS) | Blue Cross And Blue Shield Of North Carolina | 4.5 ★ | $0.00/mo | HMO-POS | Enroll |
| Aetna Medicare Signature Extra (PPO) | Aetna Medicare | 4.5 ★ | $0.00/mo | PPO | Enroll |
| Blue Medicare Enhanced (HMO-POS) | Blue Cross And Blue Shield Of North Carolina | 4.5 ★ | $29.60/mo | HMO-POS | Enroll |
| Blue Medicare Ppo Enhanced (PPO) | Blue Cross And Blue Shield Of North Carolina | 4.5 ★ | $22.60/mo | PPO | 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 |
|---|---|---|---|---|
| Humana Gold Plus H1036-335 (HMO-POS) | Humana | $0.00/mo | $3,950 | 4.0 ★ |
| Blue Medicare Essential Plus (HMO-POS) | Blue Cross And Blue Shield Of North Carolina | $0.00/mo | $5,400 | 4.5 ★ |
| Aetna Medicare Signature Extra (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 ★ |
| Uhc Dual Complete Nc-S3 (HMO-POS D-SNP) | Unitedhealthcare | $0.00/mo | $9,250 | 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 |
|---|---|---|---|---|
| Aarp Medicare Advantage Access From Uhc Nc-23 (PPO) | Unitedhealthcare | $3,000 | $102.00/mo | 4.5 ★ |
| Blue Medicare Medical Only (HMO-POS) | Blue Cross And Blue Shield Of North Carolina | $3,900 | $0.00/mo | 4.5 ★ |
| Humana Gold Plus H1036-335 (HMO-POS) | Humana | $3,950 | $0.00/mo | 4.0 ★ |
| Troy Medicare (HMO) | Troy Medicare | $3,950 | $0.00/mo | 3.0 ★ |
| Liberty Medicare Advantage (HMO C-SNP) | Liberty Medicare Advantage | $4,000 | $0.00/mo | N/A |
Plan Type Mix in 28374, 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 Type | Count | Percentage | Description |
|---|---|---|---|
| PPO | 24 | 38.7% | No referrals; in and out-of-network |
| HMO-POS | 9 | 14.5% | HMO with some out-of-network options |
| HMO-POS D-SNP | 7 | 11.3% | Medicare Advantage plan |
| HMO D-SNP | 6 | 9.7% | Medicare Advantage plan |
| PPO D-SNP | 5 | 8.1% | Medicare Advantage plan |
| HMO | 3 | 4.8% | Requires referrals; in-network only |
| Regional PPO | 3 | 4.8% | Medicare Advantage plan |
| HMO I-SNP | 2 | 3.2% | Medicare Advantage plan |
| HMO C-SNP | 2 | 3.2% | Medicare Advantage plan |
| HMO-POS C-SNP | 1 | 1.6% | 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 near 28374, 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 28374, NC
8 insurance companies offer Medicare Advantage plans in 28374, 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.








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 28374, NC, 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.
Top Part D Drug Plans in 28374, 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 28374, NC 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 Value Rx Plan (PDP) | Humana | 3.0 ★ | $32.00/mo | $601 | Enroll |
| Humana Basic Rx Plan (PDP) | Humana | 3.0 ★ | $6.80/mo | $615 | 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 ★ |
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 28374, NC
6 insurance companies offer standalone Part D drug plans in 28374, NC. Below, we group plans by insurer.






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 28374, NC?
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
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Pharmacy Access in 28374, NC
Part D plans have preferred pharmacy networks where you'll pay lower copays. Here's a look at pharmacy options in and around 28374, NC.
Total Pharmacies
Chain Pharmacies
Independent Pharmacies
| Pharmacy | Address & Phone | Distance | Type |
|---|---|---|---|
| GENOA HEALTHCARE LLC | 289 OLMSTED BOULEVARD SUITE 1 PINEHURST, NC 283748730 800-051-1139 | 0.2 mi | Chain |
| FIRST HEALTH OF THE CAROLINAS INC | 135 PAGE RD PINEHURST, NC 283748747 910-071-3635 | 0.6 mi | Independent |
| FIRSTHEALTH OF THE CAROLINAS, INC | 155 MEMORIAL DR PINEHURST, NC 283748710 910-071-4250 | 0.8 mi | Independent |
| PRESCRIPTION SHOPPE | 105 AVIEMORE DR # A PINEHURST, NC 283749749 910-021-0306 | 0.9 mi | Independent |
| HARRIS TEETER LLC | 305 IVEY LN PINEHURST, NC 283749816 704-484-4147 | 1.0 mi | Chain |
| PINEHURST MEDICAL CLINIC INC | 15 REGIONAL DR PINEHURST, NC 283748850 910-023-3204 | 1.1 mi | Independent |
| QUALITY CARE PHARMACY OF THE SANDHILLS | 65 PARKER LANE PINEHURST, NC 28374 910-021-3784 | 1.7 mi | Independent |
| WALGREEN CO | 38 PINECREST PLZ SOUTHERN PINES, NC 283874301 910-069-7773 | 2.5 mi | Chain |
| WALGREEN CO | 1736 OLD MORGANTON RD SOUTHERN PINES, NC 28387 910-069-7158 | 3.0 mi | Chain |
| NORTH CAROLINA CVS PHARMACY LLC | 305 CAROLINA GREEN PKWY SOUTHERN PINES, NC 283870708 910-099-5020 | 3.6 mi | Chain |
Pharmacy data from CMS. Network participation varies by plan—always verify with your specific Part D plan.
Local Healthcare Access in 28374, NC
Before choosing a plan, consider the healthcare infrastructure in 28374, 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.
Hospitals Nearby
Top-Rated Hospitals near 28374, NC
If hospital access matters to your plan choice, check quality ratings before you enroll. These are the highest CMS-rated hospitals near 28374, NC — 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 ★ | 0.8 mi | 395 |
| Cape Fear Valley Hoke Hospital | 4 ★ | 20.4 mi | 41 |
| Scotland Memorial Hospital | 3 ★ | 30.8 mi | 104 |
| Randolph Hospital | 3 ★ | 40.5 mi | 145 |
| Stanly Regional Medical Center | 3 ★ | 42.6 mi | 109 |
| Central Carolina Hospital | 1 ★ | 24.4 mi | 137 |
| Cape Fear Valley Medical Center | 1 ★ | 34.8 mi | 600 |
| Firsthealth Montgomery Memorial Hosp | Not Rated | 26.5 mi | 25 |
| Chatham Hospital Inc | Not Rated | 36.4 mi | 68 |
| Atrium Health Anson | Not Rated | 37.9 mi | 15 |
View all 3 hospitals near 28374, NC to check quality before you enroll →
Hospital data from CMS Hospital Compare and Provider of Services file. Distance calculated from center of 28374, NC.
Telehealth in 28374, 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 28374, NC. 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 28374, NC
Internet coverage data from ISP Reports. View full internet report for 28374, NC.
Medicare-Relevant Demographics in 28374, NC
Understanding 28374, 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.
Demographic data from U.S. Census Bureau American Community Survey (2023). View full 28374, NC demographics (BestNeighborhood.org).
Community Health in 28374, NC
CDC PLACES population-health estimates for 28374, 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.
Source: CDC PLACES (2025) — zip-level, population-weighted estimates.
Medicare Plans by Health Condition in 28374, 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 28374, NC
Medicare-enrolled doctors practicing in or near 28374, 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.
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 28374, NC →Local Medicare FAQ: 28374, NC
Common decision points based on 28374, NC's specific plan market and local healthcare landscape.
How does 28374, NC's Medicare Advantage market compare?
28374, NC has 62 Medicare Advantage plans from 8 insurers. This is above the national average of approximately 57 plans, suggesting healthy competition among insurers in this area. The local mix includes 30 HMO and 32 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 28374, NC?
With 3 hospitals nearby, a PPO plan may offer valuable flexibility if your preferred providers aren't all in the same network. HMO plans (30 available) cost less but limit your choices. In 28374, 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 28374, NC?
57 plans (92% of available options) in 28374, 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 28374, NC, maximum out-of-pocket limits range from $3,000 to an average of $7,505. 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 28374, 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 12 standalone Part D plans in 28374, NC.
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): 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 28374, 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 28374, NC from ispreports.org
- BestNeighborhood.org: Community demographic profiles for 28374, NC from bestneighborhood.org
- CrimeGrade.org: Block-level safety analytics for 28374, 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