Medicare Advantage plans in Cumberland County, NC: what changed for 2027
For 2027, Cumberland County in North Carolina has 31 Medicare Advantage plans that include drug coverage, compared with 30 in 2026, according to the CMS plan landscape files.
Advantage plans with drug coverage31+1 from 2026
Advantage plans without drug coverage9+1 from 2026
Special Needs Plans24-1 from 2026
$0 premium plans with drug coverage21+1 from 2026
Median out-of-pocket limit$7,0002026: $6,050
Plans rated 4 stars or more25+7 from 2026
4 Advantage plan IDs (not counting Special Needs or Cost plans) listed here for 2026 are not in the 2027 file and 6 plan IDs are new. Some of these are the same plan renamed or merged, so check the Annual Notice of Change from your plan.
How many people here are in Medicare Advantage
In October 2026, 35,961 of the 61,875 people eligible for Medicare in Cumberland County were enrolled in a Medicare Advantage or other Medicare health plan, 58.1%. A year earlier it was 34,271 of 60,492 (56.7%).
CMS counts enrollees in all Medicare health plans, including Advantage, cost and PACE plans, by the county where they live.
Before you choose a plan
Compare plans for your ZIP code, drugs and doctors on the official Medicare Plan Finder, or call 1-800-MEDICARE (1-800-633-4227). Free, unbiased counselling is available from your State Health Insurance Assistance Program at shiphelp.org.
Advantage plans with drug coverage for 2027 (31)
| Plan | Company | Type | Monthly premium | In-network out-of-pocket limit | Star rating |
|---|---|---|---|---|---|
| AARP Medicare Advantage Giveback from UHC NC-14 (HMO-POS) | UnitedHealthcare | HMO-POS | $0 | $9,500 | 4 of 5 |
| AARP Medicare Advantage from UHC NC-0001 (PPO) | UnitedHealthcare | PPO | $0 | $7,150 | 4.5 of 5 |
| AARP Medicare Advantage from UHC NC-0017 (PPO) | UnitedHealthcare | PPO | $0 | $7,150 | 4 of 5 |
| AARP Medicare Advantage from UHC NC-0022 (HMO-POS) | UnitedHealthcare | HMO-POS | $0 | $5,900 | 4 of 5 |
| AARP Medicare Advantage from UHC NC-15 (HMO-POS) | UnitedHealthcare | HMO-POS | $0 | $4,450 | 4 of 5 |
| Aetna Medicare Signature (PPO) | Aetna Medicare | PPO | $0 | $5,900 | 4 of 5 |
| Aetna Medicare Signature Extra (PPO) | Aetna Medicare | PPO | $0 | $5,900 | 4 of 5 |
| Aetna Medicare Signature Giveback (PPO) | Aetna Medicare | PPO | $0 | $7,500 | 4 of 5 |
| Aetna Medicare Value Plus (HMO) | Aetna Medicare | HMO | $0 | $5,500 | 3.5 of 5 |
| Blue Medicare Essential (HMO) | Blue Cross and Blue Shield of North Carolina | HMO | $0 | $9,850 | 4 of 5 |
| Blue Medicare Essential Plus (HMO-POS) | Blue Cross and Blue Shield of North Carolina | HMO-POS | $0 | $7,000 | 4 of 5 |
| Humana Gold Plus Giveback H1036-318 (HMO-POS) | Humana | HMO-POS | $0 | $9,850 | 4.5 of 5 |
| Humana Gold Plus Giveback H1036-343 (HMO-POS) | Humana | HMO-POS | $0 | $9,850 | 4.5 of 5 |
| Humana Gold Plus H1036-137 (HMO-POS) | Humana | HMO-POS | $0 | $9,850 | 4.5 of 5 |
| Humana Gold Plus H1036-335 (HMO-POS) | Humana | HMO-POS | $0 | $3,950 | 4.5 of 5 |
| Humana Gold Plus H6622-060 (HMO-POS) | Humana | HMO-POS | $0 | $9,850 | 4 of 5 |
| HumanaChoice Giveback H5525-035 (PPO) | Humana | PPO | $0 | $9,850 | 4 of 5 |
| Troy Medicare (HMO) | Troy Medicare | HMO | $0 | $4,950 | 3 of 5 |
| Wellcare Assist Open (PPO) | Wellcare | PPO | $0 | $6,500 | 3 of 5 |
| Wellcare Simple (HMO-POS) | Wellcare | HMO-POS | $0 | $6,700 | 3.5 of 5 |
| Wellcare Simple Open (PPO) | Wellcare | PPO | $0 | $7,150 | 3 of 5 |
| HumanaChoice H7617-122 (PPO) | Humana | PPO | $13.00 | $9,850 | 4.5 of 5 |
| HumanaChoice H5525-070 (PPO) | Humana | PPO | $13.30 | $9,850 | 4 of 5 |
| Aetna Medicare Enhanced (PPO) | Aetna Medicare | PPO | $24.00 | $5,900 | 4 of 5 |
| AARP Medicare Advantage from UHC NC-0004 (PPO) | UnitedHealthcare | PPO | $34.00 | $6,900 | 4.5 of 5 |
| AARP Medicare Advantage from UHC NC-0021 (HMO-POS) | UnitedHealthcare | HMO-POS | $42.00 | $4,900 | 4 of 5 |
| Blue Medicare Enhanced (HMO-POS) | Blue Cross and Blue Shield of North Carolina | HMO-POS | $50.00 | $4,900 | 4 of 5 |
| HumanaChoice H5525-049 (PPO) | Humana | PPO | $52.00 | $9,850 | 4 of 5 |
| AARP Medicare Advantage from UHC NC-0016 (PPO) | UnitedHealthcare | PPO | $53.00 | $4,450 | 4 of 5 |
| Blue Medicare PPO Enhanced (PPO) | Blue Cross and Blue Shield of North Carolina | PPO | $70.00 | $6,900 | 4.5 of 5 |
| Humana Full Access (Regional PPO) | Humana | Regional PPO | $158.00 | $9,850 | 3.5 of 5 |
Advantage plans without drug coverage for 2027 (9)
| Plan | Company | Type | Monthly premium | In-network out-of-pocket limit | Star rating |
|---|---|---|---|---|---|
| AARP Medicare Advantage Patriot No Rx NC-MA01 (PPO) | UnitedHealthcare | PPO | Not listed | $8,900 | 4.5 of 5 |
| AARP Medicare Advantage Patriot No Rx NC-MA02 (HMO-POS) | UnitedHealthcare | HMO-POS | Not listed | $9,300 | 4 of 5 |
| Aetna Medicare Eagle (PPO) | Aetna Medicare | PPO | Not listed | $7,150 | 4 of 5 |
| Blue Medicare Freedom+ (PPO) | Blue Cross and Blue Shield of North Carolina | PPO | Not listed | $9,850 | 4.5 of 5 |
| Blue Medicare Medical Only (HMO-POS) | Blue Cross and Blue Shield of North Carolina | HMO-POS | Not listed | $3,900 | 4 of 5 |
| Humana USAA Honor Giveback (PPO) | Humana | PPO | Not listed | $9,850 | 4 of 5 |
| Humana USAA Honor Giveback (Regional PPO) | Humana | Regional PPO | Not listed | $9,850 | 3.5 of 5 |
| HumanaChoice R0110-004 (Regional PPO) | Humana | Regional PPO | Not listed | $9,850 | 3.5 of 5 |
| Wellcare Patriot Giveback Open (PPO) | Wellcare | PPO | Not listed | $8,850 | 3 of 5 |
Special Needs Plans for 2027 (24)
| Plan | Company | Type | Monthly premium | In-network out-of-pocket limit | Star rating |
|---|---|---|---|---|---|
| Aetna Medicare Full Dual (HMO D-SNP) | Aetna Medicare | HMO D-SNP · Dual-Eligible | $0 | $9,850 | 3.5 of 5 |
| Aetna Medicare Full Dual Care (HMO D-SNP) | Aetna Medicare | HMO D-SNP · Dual-Eligible | $0 | $9,850 | 3.5 of 5 |
| Humana Dual Select H1036-307 (HMO D-SNP) | Humana | HMO D-SNP · Dual-Eligible | $0 | $9,850 | 4.5 of 5 |
| Humana Gold Plus - Diabetes and Heart (HMO C-SNP) | Humana | HMO C-SNP · Chronic or Disabling Condition | $0 | $9,850 | 4.5 of 5 |
| Humana Gold Plus SNP-DE H1036-167 (HMO D-SNP) | Humana | HMO D-SNP · Dual-Eligible | $0 | $9,850 | 4.5 of 5 |
| Humana Gold Plus SNP-DE H1036-331 (HMO D-SNP) | Humana | HMO D-SNP · Dual-Eligible | $0 | $9,850 | 4.5 of 5 |
| HumanaChoice SNP-DE H5525-036 (PPO D-SNP) | Humana | PPO D-SNP · Dual-Eligible | $0 | $9,850 | 4 of 5 |
| Liberty Medicare Advantage (HMO C-SNP) | Liberty Medicare Advantage | HMO C-SNP · Chronic or Disabling Condition | $0 | $3,800 | 3.5 of 5 |
| UHC Complete Care NC-28 (HMO-POS C-SNP) | UnitedHealthcare | HMO-POS C-SNP · Chronic or Disabling Condition | $0 | $4,450 | 4 of 5 |
| UHC Dual Complete NC-Q1 (PPO D-SNP) | UnitedHealthcare | PPO D-SNP · Dual-Eligible | $0 | $9,850 | 3.5 of 5 |
| UHC Dual Complete NC-Q2 (HMO-POS D-SNP) | UnitedHealthcare | HMO-POS D-SNP · Dual-Eligible | $0 | $9,850 | 4 of 5 |
| UHC Dual Complete NC-S2 (PPO D-SNP) | UnitedHealthcare | PPO D-SNP · Dual-Eligible | $0 | $9,850 | 3.5 of 5 |
| UHC Nursing Home Plan NC-F001 (PPO I-SNP) | UnitedHealthcare | PPO I-SNP · Institutional | $0 | $9,850 | 5 of 5 |
| Wellcare Carolina Complete Dual Liberty (HMO-POS D-SNP) | Wellcare | HMO-POS D-SNP · Dual-Eligible | $0 | $9,850 | 3.5 of 5 |
| Wellcare Carolina Complete Dual Liberty Open (PPO D-SNP) | Wellcare | PPO D-SNP · Dual-Eligible | $0 | $9,850 | 3 of 5 |
| UHC Dual Complete NC-S3 (HMO-POS D-SNP) | UnitedHealthcare | HMO-POS D-SNP · Dual-Eligible | $3.80 | $9,850 | 4 of 5 |
| Healthy Blue + Medicare (HMO-POS D-SNP) | Blue Cross and Blue Shield of North Carolina | HMO-POS D-SNP · Dual-Eligible | $13.20 | $9,850 | 3 of 5 |
| Humana Dual Select H5525-072 (PPO D-SNP) | Humana | PPO D-SNP · Dual-Eligible | $13.30 | $9,850 | 4 of 5 |
| Liberty Medicare Advantage Nursing Home Plan (HMO I-SNP) | Liberty Medicare Advantage | HMO I-SNP · Institutional | $13.30 | $6,800 | 3.5 of 5 |
| Longevity Health Plan (HMO I-SNP) | Longevity Health Plan | HMO I-SNP · Institutional | $13.30 | $9,850 | 5 of 5 |
| Troy Medicare for Dual-eligible Beneficiaries (HMO D-SNP) | Troy Medicare | HMO D-SNP · Dual-Eligible | $13.30 | $9,850 | 3 of 5 |
| UHC Dual Advantage NC-V1 (HMO-POS D-SNP) | UnitedHealthcare | HMO-POS D-SNP · Dual-Eligible | $13.30 | $5,900 | 4 of 5 |
| Wellcare Carolina Complete Dual Reserve (HMO-POS D-SNP) | Wellcare | HMO-POS D-SNP · Dual-Eligible | $13.30 | $9,250 | 3.5 of 5 |
| Liberty Medicare Dual Plan (HMO D-SNP) | Liberty Medicare Advantage | HMO D-SNP · Dual-Eligible | $17.50 | $7,550 | 3.5 of 5 |
Stand-alone Part D drug plans are offered statewide: see North Carolina drug plans.
Sources
- Centers for Medicare & Medicaid Services, CY2027 Medicare Advantage and Part D Landscape file (data last updated 18 October 2026)
- Centers for Medicare & Medicaid Services, CY2026 Medicare Advantage and Part D Landscape file (September 2026 release)
- Centers for Medicare & Medicaid Services, MA State/County Penetration files, October 2026 and October 2025
Checked 29 October 2026. Plans and premiums can change before 1 January 2027. Confirm any plan on Medicare.gov before you enrol.