County guide · Mecklenburg County, NC · 2027 plan year
Original Medicare vs Medicare Advantage in Mecklenburg County, NC
This guide lists 49 Medicare Advantage plans for 2027 in Mecklenburg 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
- 49
- $0 premium
- 41 plans
- Lowest in-network limit
- $3,500
- 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.govYearly 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.
| Plan | Monthly premiums | Yearly limit on medical costs | Stars | Prior authorization | Light year | Regular year | Heavy year |
|---|---|---|---|---|---|---|---|
| Original Medicare with Medigap Plan Gand the lowest-cost drug plan | Part B $209.50 + Plan G from $114 + a drug plan from $5.30 | $292 Part B deductible, then Plan G pays | Not rated | Short list of services | $4,238 | $6,413 | $6,638 |
| Alignment Health Smart 013 (HMO)HMO from Alignment Health Plan · Plan ID H5296-013 · Medicare.gov | $0 plan + Part B $209.50 (the plan pays back $175 of Part B) | $6,500 in network | 4.5 of 5 | 24 services | $474 | $2,209 | $7,289 |
| DEVOTED GIVEBACK 012 NC (HMO)HMO from Devoted Health · Plan ID H5299-012 · Medicare.gov | $0 plan + Part B $209.50 (the plan pays back $195 of Part B) | $9,850 in network | 4.5 of 5 | 24 services | $406 | $3,398 | $10,275 |
| DEVOTED CHOICE GIVEBACK 002 NC (PPO)PPO from Devoted Health · Plan ID H9700-002 · Medicare.gov | $0 plan + Part B $209.50 (the plan pays back $184.70 of Part B) | $9,250 in network; $11,250 in and out of network | 4 of 5 | 24 services | $553 | $3,517 | $10,218 |
| HealthSpring Preferred Savings (HMO)HMO from HealthSpring · Plan ID H9725-015 · Medicare.gov | $0 plan + Part B $209.50 (the plan pays back $179 of Part B) | $6,750 in network | 3 of 5 | 24 services | $591 | $3,647 | $8,841 |
| Alignment Health Platinum 012 (HMO)HMO from Alignment Health Plan · Plan ID H5296-012 · Medicare.gov | $0 plan + Part B $209.50 | $3,500 in network | 4.5 of 5 | 24 services | $2,529 | $3,859 | $8,414 |
| Humana Gold Plus Giveback H1036-318 (HMO-POS)HMO-POS from Humana · Plan ID H1036-318 · Medicare.gov | $0 plan + Part B $209.50 (the plan pays back $118 of Part B) | $9,850 in network | 4.5 of 5 | 24 services | $1,444 | $4,614 | $10,330 |
| AARP Medicare Advantage Giveback from UHC NC-14 (HMO-POS)HMO-POS from UnitedHealthcare · Plan ID H5253-110 · Medicare.gov | $0 plan + Part B $209.50 (the plan pays back $84 of Part B) | $9,500 in network | 4 of 5 | 24 services | $1,506 | $4,850 | $11,156 |
| HumanaChoice Giveback H5216-017 (PPO)PPO from Humana · Plan ID H5216-017 · Medicare.gov | $0 plan + Part B $209.50 (the plan pays back $79 of Part B) | $9,850 in network; $14,800 in and out of network | 4 of 5 | 24 services | $1,651 | $4,994 | $10,566 |
| HealthSpring Preferred (HMO)HMO from HealthSpring · Plan ID H9725-009 · Medicare.gov | $0 plan + Part B $209.50 (the plan pays back $5 of Part B) | $3,900 in network | 3 of 5 | 24 services | $2,539 | $5,064 | $8,754 |
| HumanaChoice Giveback H5525-035 (PPO)PPO from Humana · Plan ID H5525-035 · Medicare.gov | $0 plan + Part B $209.50 (the plan pays back $110 of Part B) | $9,850 in network; $14,800 in and out of network | 4 of 5 | 24 services | $1,808 | $5,070 | $10,599 |
| Aetna Medicare Signature (HMO)HMO from Aetna Medicare · Plan ID H3146-001 · Medicare.gov | $0 plan + Part B $209.50 | $5,500 in network | 3.5 of 5 | 19 services | $2,564 | $5,148 | $10,414 |
| Humana Gold Plus Giveback H1036-343 (HMO-POS)HMO-POS from Humana · Plan ID H1036-343 · Medicare.gov | $0 plan + Part B $209.50 (the plan pays back $67 of Part B) | $9,850 in network | 4.5 of 5 | 24 services | $2,150 | $5,301 | $11,112 |
| DEVOTED CHOICE 001 NC (PPO)PPO from Devoted Health · Plan ID H9700-001 · Medicare.gov | $0 plan + Part B $209.50 | $6,150 in network; $7,650 in and out of network | 4 of 5 | 24 services | $2,549 | $5,406 | $11,064 |
| Aetna Medicare Signature (PPO)PPO from Aetna Medicare · Plan ID H5521-081 · Medicare.gov | $0 plan + Part B $209.50 | $5,900 in network; $6,900 in and out of network | 4 of 5 | 19 services | $2,564 | $5,530 | $10,814 |
| Aetna Medicare Signature Giveback (PPO)PPO from Aetna Medicare · Plan ID H5521-348 · Medicare.gov | $0 plan + Part B $209.50 (the plan pays back $30 of Part B) | $7,500 in network; $8,500 in and out of network | 4 of 5 | 19 services | $2,250 | $5,596 | $11,485 |
| Humana Gold Plus H1036-137 (HMO-POS)HMO-POS from Humana · Plan ID H1036-137 · Medicare.gov | $0 plan + Part B $209.50 | $9,850 in network | 4.5 of 5 | 24 services | $2,579 | $5,600 | $11,584 |
| Blue Medicare Essential (HMO)HMO from Blue Cross and Blue Shield of North Carolina · Plan ID H3449-027 · Medicare.gov | $0 plan + Part B $209.50 (the plan pays back $36 of Part B) | $9,850 in network | 4 of 5 | 14 services | $2,315 | $5,633 | $11,173 |
| HealthTeam Advantage Vitality Plan (PPO)PPO from HealthTeam Advantage · Plan ID H9808-010 · Medicare.gov | $0 plan + Part B $209.50 | $5,200 in network; $10,750 in and out of network | 3.5 of 5 | 21 services | $2,609 | $5,635 | $10,114 |
| DEVOTED GIVEBACK EXTRAS 039 NC (HMO)HMO from Devoted Health · Plan ID H5299-039 · Medicare.gov | $0 plan + Part B $209.50 (the plan pays back $70 of Part B) | $7,050 in network | 4.5 of 5 | 24 services | $1,856 | $5,653 | $11,124 |
| Humana Gold Plus H1036-335 (HMO-POS)HMO-POS from Humana · Plan ID H1036-335 · Medicare.gov | $0 plan + Part B $209.50 (the plan pays back $1 of Part B) | $3,950 in network | 4.5 of 5 | 24 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.gov | $0 plan + Part B $209.50 | $5,900 in network; $5,900 in and out of network | 4 of 5 | 24 services | $2,514 | $5,796 | $10,814 |
| AARP Medicare Advantage from UHC NC-15 (HMO-POS)HMO-POS from UnitedHealthcare · Plan ID H5253-117 · Medicare.gov | $0 plan + Part B $209.50 | $4,450 in network; $4,450 in and out of network | 4 of 5 | 24 services | $2,514 | $5,845 | $9,364 |
| 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 | $5,900 in network | 4 of 5 | 14 services | $2,709 | $6,021 | $10,814 |
| AARP Medicare Advantage from UHC NC-0021 (HMO-POS)HMO-POS from UnitedHealthcare · Plan ID H5253-037 · Medicare.gov | $42 plan + Part B $209.50 | $4,900 in network; $4,900 in and out of network | 4 of 5 | 24 services | $3,018 | $6,089 | $10,318 |
| Wellcare Simple Open (PPO)PPO from Wellcare · Plan ID H1914-007 · Medicare.gov | $0 plan + Part B $209.50 | $7,150 in network; $10,750 in and out of network | 3 of 5 | 20 services | $2,564 | $6,114 | $11,264 |
| HumanaChoice H5525-070 (PPO)PPO from Humana · Plan ID H5525-070 · Medicare.gov | $13.30 plan + Part B $209.50 | $9,850 in network; $14,800 in and out of network | 4 of 5 | 24 services | $2,749 | $6,127 | $12,189 |
| DEVOTED CORE 037 NC (HMO)HMO from Devoted Health · Plan ID H5299-037 · Medicare.gov | $0 plan + Part B $209.50 | $4,950 in network | 4.5 of 5 | 24 services | $2,549 | $6,202 | $9,864 |
| Wellcare Simple (HMO-POS)HMO-POS from Wellcare · Plan ID H4073-001 · Medicare.gov | $0 plan + Part B $209.50 | $6,700 in network | 3.5 of 5 | 20 services | $2,569 | $6,219 | $11,574 |
| Wellcare Assist Open (PPO)PPO from Wellcare · Plan ID H1914-009 · Medicare.gov | $0 plan + Part B $209.50 | $6,500 in network; $10,750 in and out of network | 3 of 5 | 20 services | $2,564 | $6,239 | $11,314 |
| HumanaChoice H7617-122 (PPO)PPO from Humana · Plan ID H7617-122 · Medicare.gov | $13 plan + Part B $209.50 | $9,850 in network; $14,800 in and out of network | 4.5 of 5 | 24 services | $3,063 | $6,239 | $11,901 |
| HealthSpring True Choice (PPO)PPO from HealthSpring · Plan ID H7849-113 · Medicare.gov | $0 plan + Part B $209.50 | $7,100 in network; $10,100 in and out of network | 3 of 5 | 24 services | $3,229 | $6,252 | $11,542 |
| Blue Medicare Enhanced (HMO-POS)HMO-POS from Blue Cross and Blue Shield of North Carolina · Plan ID H3449-024 · Medicare.gov | $41 plan + Part B $209.50 | $4,900 in network | 4 of 5 | 14 services | $3,321 | $6,312 | $10,306 |
| Blue Medicare PPO Enhanced (PPO)PPO from Blue Cross and Blue Shield of North Carolina · Plan ID H3404-003 · Medicare.gov | $45 plan + Part B $209.50 | $6,900 in network; $6,900 in and out of network | 4.5 of 5 | 14 services | $3,313 | $6,353 | $11,391 |
| AARP Medicare Advantage from UHC NC-0017 (PPO)PPO from UnitedHealthcare · Plan ID H2406-098 · Medicare.gov | $0 plan + Part B $209.50 | $7,150 in network; $10,750 in and out of network | 4 of 5 | 24 services | $3,229 | $6,829 | $12,064 |
| HumanaChoice H5216-211 (PPO)PPO from Humana · Plan ID H5216-211 · Medicare.gov | $67 plan + Part B $209.50 | $9,850 in network; $14,800 in and out of network | 4 of 5 | 24 services | $3,842 | $6,987 | $12,645 |
| AARP Medicare Advantage from UHC NC-0016 (PPO)PPO from UnitedHealthcare · Plan ID H2406-034 · Medicare.gov | $53 plan + Part B $209.50 | $4,450 in network; $6,700 in and out of network | 4 of 5 | 24 services | $3,865 | $7,178 | $10,000 |
| Humana Full Access (Regional PPO)Regional PPO from Humana · Plan ID R0110-005 · Medicare.gov | $158 plan + Part B $209.50 | $9,850 in network; $14,800 in and out of network | 3.5 of 5 | 24 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.gov | $0 plan + Part B $209.50 (the plan pays back $190 of Part B) | $9,300 in network; $9,300 in and out of network | 4 of 5 | 24 services | $522 | $8,791 | $29,040 |
| Wellcare Patriot Giveback Open (PPO)PPO from Wellcare · Plan ID H1914-011 · No drug coverage · Medicare.gov | $0 plan + Part B $209.50 (the plan pays back $175 of Part B) | $8,850 in network; $13,300 in and out of network | 3 of 5 | 20 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.gov | $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 network | 4 of 5 | 24 services | $631 | $8,955 | $28,479 |
| Humana USAA Honor Giveback (PPO)PPO from Humana · Plan ID H5525-065 · No drug coverage · Medicare.gov | $0 plan + Part B $209.50 (the plan pays back $165 of Part B) | $9,850 in network; $14,800 in and out of network | 4 of 5 | 24 services | $907 | $9,155 | $28,650 |
| HealthTeam Advantage Eagle Plan (PPO)PPO from HealthTeam Advantage · Plan ID H9808-009 · No drug coverage · Medicare.gov | $0 plan + Part B $209.50 (the plan pays back $150 of Part B) | $8,500 in network; $13,900 in and out of network | 3.5 of 5 | 21 services | $1,102 | $9,296 | $28,805 |
| Humana USAA Honor Giveback (PPO)PPO from Humana · Plan ID H5216-343 · No drug coverage · Medicare.gov | $0 plan + Part B $209.50 (the plan pays back $126 of Part B) | $9,850 in network; $14,800 in and out of network | 4 of 5 | 24 services | $1,365 | $9,584 | $29,068 |
| HealthSpring Courage (HMO)HMO from HealthSpring · Plan ID H9725-005 · No drug coverage · Medicare.gov | $0 plan + Part B $209.50 (the plan pays back $115 of Part B) | $6,750 in network | 3 of 5 | 24 services | $1,522 | $9,636 | $28,370 |
| Aetna Medicare Eagle (PPO)PPO from Aetna Medicare · Plan ID H5521-241 · No drug coverage · Medicare.gov | $0 plan + Part B $209.50 (the plan pays back $120 of Part B) | $7,150 in network; $8,150 in and out of network | 4 of 5 | 19 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.gov | $0 plan + Part B $209.50 (the plan pays back $76 of Part B) | $9,850 in network; $14,800 in and out of network | 4.5 of 5 | 14 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.gov | $0 plan + Part B $209.50 (the plan pays back $35 of Part B) | $3,900 in network | 4 of 5 | 14 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.gov | $0 plan + Part B $209.50 (the plan pays back $52 of Part B) | $9,850 in network; $14,800 in and out of network | 3.5 of 5 | 24 services | $2,263 | $10,517 | $29,901 |
| HumanaChoice R0110-004 (Regional PPO)Regional PPO from Humana · Plan ID R0110-004 · No drug coverage · Medicare.gov | $0 plan + Part B $209.50 | $9,850 in network; $14,800 in and out of network | 3.5 of 5 | 24 services | $2,887 | $11,147 | $30,670 |
Original Medicare totals use the lowest Plan G price that Medicare.gov lists for a 65-year-old woman who does not use tobacco, $114 a month. 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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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. Medigap prices are the range Medicare.gov showed for ZIP 28202 on 2026-10-09. Totals use typical Medicare-allowed amounts for each service and typical drug prices.
- Medigap prices for ZIP 28202 on Medicare.gov
- CMS Plan Benefit Package files, 2027
- CMS 2027 landscape files (premiums and limits)
- CMS 2027 plan crosswalk
- CMS 2027 Star Ratings
- 2026 Medicare Trustees Report: projected 2027 Part A and Part B amounts (Tables V.E1 and V.E2)
- CMS 2026 Part A and Part B amounts
- Medicare.gov: Medigap guaranteed issue rights
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.