County guide · Henderson County, NC · 2027 plan year

Original Medicare vs Medicare Advantage in Henderson County, NC

This guide lists 43 Medicare Advantage plans for 2027 in Henderson County, with the yearly cost of each one next to Original Medicare with Medigap. Special needs plans are not on this list.

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Plans
43
$0 premium
34 plans
Lowest in-network limit
$3,400
Highest in-network limit
$9,850

In most states, including North Carolina, you cannot count on getting Medigap later

You can buy any Medigap plan with no health questions in the 6 months that start when you are 65 or older and have Part B. After that, a Medigap company in North Carolina can ask about your health. It can say no, or it can charge you more. So if you join a Medicare Advantage plan now, you may not be able to get Medigap later.

One exception is the trial right. If you joined Medicare Advantage when you first got Medicare at 65, or you left a Medigap plan to try Medicare Advantage for the first time, you can switch back within 12 months. Then you can buy a Medigap plan with no health questions.

Read about Medigap rights on Medicare.gov

Yearly cost of each plan

Totals include premiums, the Part B premium, copays, and drug costs for three levels of care. A light year is checkups and a few visits. A regular year has ongoing specialist care. A heavy year has frequent care and a 5-day hospital stay.

PlanMonthly premiumsYearly limit on medical costsStarsPrior authorizationLight yearRegular yearHeavy year
Original Medicare with Medigap Plan Gand the lowest-cost drug planPart B $209.50 + Plan G + a drug plan from $5.30$292 Part B deductible, then Plan G paysNot ratedShort list of servicesWe have no checked Medigap price for this county yet. Check Medigap prices on Medicare.gov
Alignment Health Smart 006 (HMO)HMO from Alignment Health Plan · Plan ID H5296-006 · Medicare.govIts page is set for Wake County, NC$0 plan + Part B $209.50 (the plan pays back $119 of Part B)$3,400 in network4.5 of 524 services$1,131$2,706$6,886
DEVOTED CHOICE GIVEBACK 006 NC (PPO)PPO from Devoted Health · Plan ID H9700-006 · Medicare.govIts page is set for Buncombe County, NC$0 plan + Part B $209.50 (the plan pays back $172.80 of Part B)$9,850 in network; $11,850 in and out of network4 of 524 services$673$3,645$10,392
Alignment Health Platinum 010 (HMO)HMO from Alignment Health Plan · Plan ID H5296-010 · Medicare.govIts page is set for Wake County, NC$0 plan + Part B $209.50$4,300 in network4.5 of 524 services$2,534$3,759$8,654
Alignment Health AVA 001 (PPO)PPO from Alignment Health Plan · Plan ID H7074-001 · Medicare.govIts page is set for Wake County, NC$20 plan + Part B $209.50$3,900 in network; $6,200 in and out of networkNot enough data available24 services$2,804$3,869$8,554
Troy Medicare (HMO)HMO from Troy Medicare · Plan ID H4676-001 · Medicare.govIts page is set for Buncombe County, NC$0 plan + Part B $209.50$4,950 in network3 of 517 services$2,564$3,884$9,264
DEVOTED GIVEBACK 030 NC (HMO)HMO from Devoted Health · Plan ID H5299-030 · Medicare.govIts page is set for Buncombe County, NC$0 plan + Part B $209.50 (the plan pays back $171 of Part B)$9,850 in network4.5 of 524 services$671$4,384$10,225
HumanaChoice Giveback H5525-035 (PPO)PPO from Humana · Plan ID H5525-035 · Medicare.govIts page is set for Mecklenburg County, NC$0 plan + Part B $209.50 (the plan pays back $110 of Part B)$9,850 in network; $14,800 in and out of network4 of 524 services$1,808$5,070$10,599
Aetna Medicare Value Plus (HMO)HMO from Aetna Medicare · Plan ID H3146-006 · Medicare.govIts page is set for Wake County, NC$0 plan + Part B $209.50$5,500 in network3.5 of 519 services$2,594$5,176$10,414
AARP Medicare Advantage Giveback from UHC NC-13 (HMO-POS)HMO-POS from UnitedHealthcare · Plan ID H5253-105 · Medicare.govIts page is set for Buncombe County, NC$0 plan + Part B $209.50 (the plan pays back $51 of Part B)$9,300 in network4 of 524 services$1,902$5,232$11,592
Humana Gold Plus Giveback H1036-343 (HMO-POS)HMO-POS from Humana · Plan ID H1036-343 · Medicare.govIts page is set for Mecklenburg County, NC$0 plan + Part B $209.50 (the plan pays back $67 of Part B)$9,850 in network4.5 of 524 services$2,150$5,301$11,112
Blue Medicare Essential (HMO)HMO from Blue Cross and Blue Shield of North Carolina · Plan ID H3449-027 · Medicare.govIts page is set for Wake County, NC$0 plan + Part B $209.50 (the plan pays back $51 of Part B)$9,850 in network4 of 514 services$2,130$5,461$11,011
Aetna Medicare Signature Giveback (PPO)PPO from Aetna Medicare · Plan ID H5521-348 · Medicare.govIts page is set for Mecklenburg County, NC$0 plan + Part B $209.50 (the plan pays back $30 of Part B)$7,500 in network; $8,500 in and out of network4 of 519 services$2,250$5,596$11,485
Humana Gold Plus H1036-137 (HMO-POS)HMO-POS from Humana · Plan ID H1036-137 · Medicare.govIts page is set for Mecklenburg County, NC$0 plan + Part B $209.50$9,850 in network4.5 of 524 services$2,579$5,600$11,584
DEVOTED GIVEBACK EXTRAS 044 NC (HMO)HMO from Devoted Health · Plan ID H5299-044 · Medicare.govIts page is set for Buncombe County, NC$0 plan + Part B $209.50 (the plan pays back $70 of Part B)$7,150 in network4.5 of 524 services$1,837$5,613$11,224
Humana Gold Plus H6622-025 (HMO-POS)HMO-POS from Humana · Plan ID H6622-025 · Medicare.govIts page is set for Buncombe County, NC$0 plan + Part B $209.50$9,850 in network4 of 524 services$2,599$5,620$11,574
Aetna Medicare Signature (PPO)PPO from Aetna Medicare · Plan ID H5521-236 · Medicare.govIts page is set for Buncombe County, NC$0 plan + Part B $209.50$9,850 in network; $10,850 in and out of network4 of 519 services$2,554$5,660$11,253
Humana Gold Plus H1036-335 (HMO-POS)HMO-POS from Humana · Plan ID H1036-335 · Medicare.govIts page is set for Mecklenburg County, NC$0 plan + Part B $209.50 (the plan pays back $1 of Part B)$3,950 in network4.5 of 524 services$2,577$5,665$8,852
AARP Medicare Advantage from UHC NC-0022 (HMO-POS)HMO-POS from UnitedHealthcare · Plan ID H5253-038 · Medicare.govIts page is set for Mecklenburg County, NC$0 plan + Part B $209.50$5,900 in network; $5,900 in and out of network4 of 524 services$2,514$5,796$10,814
Humana Gold Plus H6622-026 (HMO-POS)HMO-POS from Humana · Plan ID H6622-026 · Medicare.govIts page is set for Buncombe County, NC$13.30 plan + Part B $209.50$9,850 in network4 of 524 services$2,769$5,839$11,854
DEVOTED CORE 029 NC (HMO)HMO from Devoted Health · Plan ID H5299-029 · Medicare.govIts page is set for Buncombe County, NC$0 plan + Part B $209.50$4,950 in network4.5 of 524 services$2,539$6,072$9,864
AARP Medicare Advantage from UHC NC-0021 (HMO-POS)HMO-POS from UnitedHealthcare · Plan ID H5253-037 · Medicare.govIts page is set for Mecklenburg County, NC$42 plan + Part B $209.50$4,900 in network; $4,900 in and out of network4 of 524 services$3,018$6,089$10,318
Wellcare Simple Open (PPO)PPO from Wellcare · Plan ID H1914-007 · Medicare.govIts page is set for Mecklenburg County, NC$0 plan + Part B $209.50$7,150 in network; $10,750 in and out of network3 of 520 services$2,564$6,114$11,264
HumanaChoice H5525-070 (PPO)PPO from Humana · Plan ID H5525-070 · Medicare.govIts page is set for Mecklenburg County, NC$13.30 plan + Part B $209.50$9,850 in network; $14,800 in and out of network4 of 524 services$2,749$6,127$12,189
AARP Medicare Advantage from UHC NC-24 (HMO-POS)HMO-POS from UnitedHealthcare · Plan ID H5253-185 · Medicare.govIts page is set for Buncombe County, NC$0 plan + Part B $209.50$7,150 in network4 of 524 services$2,514$6,155$12,064
Blue Medicare Essential Plus (HMO-POS)HMO-POS from Blue Cross and Blue Shield of North Carolina · Plan ID H3449-023 · Medicare.gov$0 plan + Part B $209.50$9,850 in network4 of 514 services$2,709$6,209$12,079
Wellcare Simple (HMO-POS)HMO-POS from Wellcare · Plan ID H4073-001 · Medicare.govIts page is set for Mecklenburg County, NC$0 plan + Part B $209.50$6,700 in network3.5 of 520 services$2,569$6,219$11,574
Wellcare Assist Open (PPO)PPO from Wellcare · Plan ID H1914-009 · Medicare.govIts page is set for Mecklenburg County, NC$0 plan + Part B $209.50$6,500 in network; $10,750 in and out of network3 of 520 services$2,564$6,239$11,314
HumanaChoice H7617-122 (PPO)PPO from Humana · Plan ID H7617-122 · Medicare.govIts page is set for Mecklenburg County, NC$13 plan + Part B $209.50$9,850 in network; $14,800 in and out of network4.5 of 524 services$3,063$6,239$11,901
DEVOTED CHOICE 005 NC (PPO)PPO from Devoted Health · Plan ID H9700-005 · Medicare.govIts page is set for Buncombe County, NC$0 plan + Part B $209.50$5,300 in network; $8,950 in and out of network4 of 524 services$2,597$6,250$10,214
Blue Medicare Enhanced (HMO-POS)HMO-POS from Blue Cross and Blue Shield of North Carolina · Plan ID H3449-024 · Medicare.govIts page is set for Wake County, NC$50 plan + Part B $209.50$4,900 in network4 of 514 services$3,434$6,424$10,414
Blue Medicare PPO Enhanced (PPO)PPO from Blue Cross and Blue Shield of North Carolina · Plan ID H3404-003 · Medicare.govIts page is set for Wake County, NC$70 plan + Part B $209.50$6,900 in network; $6,900 in and out of network4.5 of 514 services$3,585$6,678$11,777
HumanaChoice H5216-211 (PPO)PPO from Humana · Plan ID H5216-211 · Medicare.govIts page is set for Mecklenburg County, NC$67 plan + Part B $209.50$9,850 in network; $14,800 in and out of network4 of 524 services$3,842$6,987$12,645
Humana Full Access (Regional PPO)Regional PPO from Humana · Plan ID R0110-005 · Medicare.govIts page is set for Mecklenburg County, NC$158 plan + Part B $209.50$9,850 in network; $14,800 in and out of network3.5 of 524 services$4,495$7,723$13,420
AARP Medicare Advantage Patriot No Rx NC-MA02 (HMO-POS)HMO-POS from UnitedHealthcare · Plan ID H5253-040 · No drug coverage · Medicare.govIts page is set for Mecklenburg County, NC$0 plan + Part B $209.50 (the plan pays back $190 of Part B)$9,300 in network; $9,300 in and out of network4 of 524 services$522$8,791$29,040
Wellcare Patriot Giveback Open (PPO)PPO from Wellcare · Plan ID H1914-011 · No drug coverage · Medicare.govIts page is set for Mecklenburg County, NC$0 plan + Part B $209.50 (the plan pays back $175 of Part B)$8,850 in network; $13,300 in and out of network3 of 520 services$767$8,891$28,270
DEVOTED CHOICE MA ONLY 007 NC (PPO)PPO from Devoted Health · Plan ID H9700-007 · No drug coverage · Medicare.govIts page is set for Mecklenburg County, NC$0 plan + Part B $209.50 (the plan pays back $184.70 of Part B)$9,250 in network; $13,900 in and out of network4 of 524 services$631$8,955$28,479
Humana USAA Honor Giveback (PPO)PPO from Humana · Plan ID H5525-065 · No drug coverage · Medicare.govIts page is set for Mecklenburg County, NC$0 plan + Part B $209.50 (the plan pays back $165 of Part B)$9,850 in network; $14,800 in and out of network4 of 524 services$907$9,155$28,650
Humana USAA Honor Giveback (PPO)PPO from Humana · Plan ID H5216-343 · No drug coverage · Medicare.govIts page is set for Mecklenburg County, NC$0 plan + Part B $209.50 (the plan pays back $126 of Part B)$9,850 in network; $14,800 in and out of network4 of 524 services$1,365$9,584$29,068
Aetna Medicare Eagle (PPO)PPO from Aetna Medicare · Plan ID H5521-241 · No drug coverage · Medicare.govIts page is set for Mecklenburg County, NC$0 plan + Part B $209.50 (the plan pays back $120 of Part B)$7,150 in network; $8,150 in and out of network4 of 519 services$1,447$9,735$29,657
Blue Medicare Freedom+ (PPO)PPO from Blue Cross and Blue Shield of North Carolina · Plan ID H3404-004 · No drug coverage · Medicare.govIts page is set for Mecklenburg County, NC$0 plan + Part B $209.50 (the plan pays back $76 of Part B)$9,850 in network; $14,800 in and out of network4.5 of 514 services$2,037$10,035$29,127
Blue Medicare Medical Only (HMO-POS)HMO-POS from Blue Cross and Blue Shield of North Carolina · Plan ID H3449-012 · No drug coverage · Medicare.govIts page is set for Mecklenburg County, NC$0 plan + Part B $209.50 (the plan pays back $35 of Part B)$3,900 in network4 of 514 services$2,472$10,301$27,570
Humana USAA Honor Giveback (Regional PPO)Regional PPO from Humana · Plan ID R0110-006 · No drug coverage · Medicare.govIts page is set for Mecklenburg County, NC$0 plan + Part B $209.50 (the plan pays back $52 of Part B)$9,850 in network; $14,800 in and out of network3.5 of 524 services$2,263$10,517$29,901
HumanaChoice R0110-004 (Regional PPO)Regional PPO from Humana · Plan ID R0110-004 · No drug coverage · Medicare.govIts page is set for Mecklenburg County, NC$0 plan + Part B $209.50$9,850 in network; $14,800 in and out of network3.5 of 524 services$2,887$11,147$30,670

A plan with no drug coverage counts drugs at full price, unless its members can add a separate drug plan. A plan name with a link opens a page where you can change the care level, the Medigap plan, your age, and your drugs.

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County guides in North Carolina

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Sources and method

Plan data comes from the CMS 2027 Plan Benefit Package and landscape files. The data is from 2026-10-10. Original Medicare amounts are the 2027 projections in the 2026 Medicare Trustees Report (Tables V.E1 and V.E2). CMS sets the final amounts in November. We do not have a Medigap price for Henderson County, NC. So the Original Medicare total needs your own Medigap quote. You can look up prices for ZIP 28792 on Medicare.gov. Totals use typical Medicare-allowed amounts for each service and typical drug prices.

These are estimates, not quotes, and they are for education only. Check every number with Medicare and with the plan before you choose. What you pay depends on your doctors and hospitals, your drugs and pharmacy, and the care you use. Plans can change their benefits, premiums, drug lists, and networks each year.

Pinnie is not an insurance agent or broker and does not sell Medicare plans. Pinnie is not connected with or endorsed by the U.S. government or the federal Medicare program. For all your options, visit Medicare.gov or call 1-800-MEDICARE (1-800-633-4227), TTY 1-877-486-2048.

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