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  1. 🏠
  2. Medicare Advantage Plans
  3. North Carolina
  4. Avery County

2027 Medicare Advantage Plans in Avery County, NC

Last update: October 4, 2026.

In Avery County, NC, there are 43 Medicare Advantage plans available for 2027. Of these, 32 offer a $0 monthly premium, and about 81% are rated 4 stars or higher based on CMS quality ratings.

Medicare Advantage Special Needs Plans (SNPs) are not included in the figures shown above. View Special Needs Plans in Avery County, NC. Or explore all Medicare Options available in Avery County, NC.

  • PPO Plans
  • HMO Plans
  • HMO-POS Plans
  • PFFS Plans

At a Glance

County-level summary of Medicare Advantage plan availability and enrollment based on CMS data.

Average Monthly Premium
$12.48/mo
Plans with $0 Premium
32
Average MOOP Limit
$7,969 ($9,250 max. in 2027)
Star Ratings (Plan Mix)
4+ Stars: 81% · 3 Stars: 19% · Below 3: 0%
Average Part D Deductible
$618.33
Total MA/MAPD Enrollment
1,229
Plans with the Highest Enrollment
(as of October 5, 2026)
1. AARP Medicare Advantage from UHC NC-24 (HMO-POS) — 264 enrollees
2. Blue Medicare Essential Plus (HMO-POS) — 200 enrollees
3. Blue Medicare PPO Enhanced (PPO) — 116 enrollees

Medicare Advantage PPO Plans

Preferred Provider Organization (PPO) plans allow access to both in-network and out-of-network providers. Out-of-network care usually costs more, but PPOs offer greater flexibility in choosing doctors and hospitals.

  • Total PPO Plans 23
  • Average Monthly Premium $15.93/mo
  • Total PPO Enrollment 339
  • $0 Premium PPO Plans 16
  • Average MOOP $8,578
  • Top PPO by Enrollment Blue Medicare PPO Enhanced (PPO) — 116 enrollees
  • PPO Plans Without Drug Coverage 8

Comparison table of 2027 PPO Medicare Advantage Plans available in Avery County, North Carolina
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
Blue Medicare Freedom+
☆☆☆☆☆
$0 $9,850 N/A H3404-004-0
Blue Medicare PPO Enhanced
☆☆☆☆☆
$70 $6,900 $700 H3404-003-2
HumanaChoice H7617-122
☆☆☆☆☆
$13 $9,850 $700 H7617-122-0
Aetna Medicare Eagle
☆☆☆☆☆
$0 $7,150 N/A H5521-241-0
Aetna Medicare Enhanced
☆☆☆☆☆
$25 $6,750 $500 H5521-139-0
Aetna Medicare Signature
☆☆☆☆☆
$0 $9,850 $700 H5521-236-0
Aetna Medicare Signature Giveback
☆☆☆☆☆
$0 $7,500 $700 H5521-348-0
DEVOTED CHOICE 005 NC
☆☆☆☆☆
$0 $5,300 $650 H9700-005-0
DEVOTED CHOICE GIVEBACK 006 NC
☆☆☆☆☆
$0 $9,850 $465 H9700-006-0
DEVOTED CHOICE MA ONLY 007 NC
☆☆☆☆☆
$0 $9,250 N/A H9700-007-0
Humana USAA Honor Giveback
☆☆☆☆☆
$0 $9,850 N/A H5525-065-0
Humana USAA Honor Giveback
☆☆☆☆☆
$0 $9,850 N/A H5216-343-0
HumanaChoice Giveback H5216-017
☆☆☆☆☆
$0 $9,850 $700 H5216-017-0
HumanaChoice Giveback H5525-035
☆☆☆☆☆
$0 $9,850 $700 H5525-035-0
HumanaChoice H5216-211
☆☆☆☆☆
$67 $9,850 $700 H5216-211-0
HumanaChoice H5525-070
☆☆☆☆☆
$13 $9,850 $700 H5525-070-0
Humana Full Access
☆☆☆☆☆
$158 $9,850 $700 R0110-005-0
Humana USAA Honor Giveback
☆☆☆☆☆
$0 $9,850 N/A R0110-006-0
HumanaChoice R0110-004
☆☆☆☆☆
$0 $9,850 N/A R0110-004-0
Wellcare Assist Open
☆☆☆☆☆
$0 $6,500 $700 H1914-009-0
Wellcare Patriot Giveback Open
☆☆☆☆☆
$0 $8,850 N/A H1914-011-0
Wellcare Simple Open
☆☆☆☆☆
$0 $7,150 $700 H1914-007-0
Alignment Health AVA 001
☆☆☆☆☆
$20 $3,900 $0 H7074-001-0
What is the total number of PPO plans offered in Avery?

There are 23 PPO plans in 2027, covering 339 beneficiaries.

How much do PPO plans cost in Avery?

The average PPO premium in Avery is $15.93 per month, with 16 plans offering $0 premiums.

What is the most popular PPO plan in Avery?

Blue Medicare PPO Enhanced (PPO) is the top PPO in Avery, with 116 enrollees.

What is the number of PPO plans without Part D coverage in Avery?

There are 8 PPO plans in Avery without prescription drug coverage.

Medicare Advantage HMO Plans

HMO plans typically require members to use in-network providers and facilities, except in emergencies. In return, HMOs often offer lower monthly premiums and reduced cost-sharing.

Total HMO Plans
7
Average Monthly Premium
$0.00/mo
Total HMO Enrollment
108
$0 Premium HMO Plans
7
Average MOOP
$6,429
Top HMO by Enrollment
Blue Medicare Essential (HMO) — 83 enrollees
HMO Plans Without Drug Coverage
0

Comparison table of 2027 HMO Medicare Advantage Plans available in Avery County, North Carolina
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
Alignment Health Platinum 010
☆☆☆☆☆
$0 $4,300 $225 H5296-010-0
Alignment Health Smart 006
☆☆☆☆☆
$0 $3,400 $700 H5296-006-0
DEVOTED CORE 029 NC
☆☆☆☆☆
$0 $4,950 $650 H5299-029-0
DEVOTED GIVEBACK 030 NC
☆☆☆☆☆
$0 $9,850 $650 H5299-030-0
DEVOTED GIVEBACK EXTRAS 044 NC
☆☆☆☆☆
$0 $7,150 $700 H5299-044-0
Blue Medicare Essential
☆☆☆☆☆
$0 $9,850 $700 H3449-027-2
Aetna Medicare Value Plus
☆☆☆☆☆
$0 $5,500 $400 H3146-006-0

What is the average monthly premium for HMO plans?

HMO plans in Avery cost $0.00 per month on average.

Which HMO plan is most popular in Avery?

The most popular HMO plan in Avery is Blue Medicare Essential (HMO), with 83 enrollees.

How many HMO plans in Avery do not include drug coverage?

There are 0 HMO plans in Avery without prescription drug coverage.

Medicare Advantage HMO-POS Plans

HMO Point-of-Service (HMO-POS) plans combine HMO network rules with limited out-of-network access. Care outside the network typically costs more, but HMO-POS plans provide added flexibility compared with standard HMOs.

Total HMO-POS Plans
12
Average Monthly Premium
$10.61/mo
Total HMO-POS Enrollment
770
$0 Premium HMO-POS Plans
9
Average MOOP
$7,542
Top HMO-POS by Enrollment
AARP Medicare Advantage from UHC NC-24 (HMO-POS) — 264 enrollees
HMO-POS Plans Without Drug Coverage
2

Comparison table of 2027 HMO-POS Medicare Advantage Plans available in Avery County, North Carolina
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
Humana Gold Plus Giveback H1036-343
☆☆☆☆☆
$0 $9,850 $700 H1036-343-0
Humana Gold Plus H1036-137
☆☆☆☆☆
$0 $9,850 $450 H1036-137-0
Humana Gold Plus H1036-335
☆☆☆☆☆
$0 $3,950 $700 H1036-335-2
AARP Medicare Advantage from UHC NC-0009
☆☆☆☆☆
$57 $5,900 $595 H5253-080-0
AARP Medicare Advantage from UHC NC-24
☆☆☆☆☆
$0 $7,150 $685 H5253-185-0
AARP Medicare Advantage Giveback from UHC NC-13
☆☆☆☆☆
$0 $9,300 $685 H5253-105-0
AARP Medicare Advantage Patriot No Rx NC-MA02
☆☆☆☆☆
$0 $9,300 N/A H5253-040-0
Blue Medicare Enhanced
☆☆☆☆☆
$57 $4,900 $700 H3449-024-3
Blue Medicare Essential Plus
☆☆☆☆☆
$0 $9,850 $700 H3449-023-5
Blue Medicare Medical Only
☆☆☆☆☆
$0 $3,900 N/A H3449-012-0
Humana Gold Plus H6622-026
☆☆☆☆☆
$13 $9,850 $450 H6622-026-0
Wellcare Simple
☆☆☆☆☆
$0 $6,700 $700 H4073-001-0
What is the leading HMO-POS plan in Avery?

AARP Medicare Advantage from UHC NC-24 (HMO-POS) is the top HMO-POS in Avery, with 264 enrollees.

What is the number of HMO-POS plans without Part D coverage in Avery?

2 HMO-POS plans in Avery do not include prescription drug coverage.

Medicare Advantage PFFS Plans

PFFS plans allow members to visit any Medicare-approved provider who accepts the plan’s payment terms. This offers broader choice than network-based plans, but coverage depends on provider participation, so acceptance should be confirmed in advance.

Total PFFS Plans
1
Average Monthly Premium
$43.00/mo
Total PFFS Enrollment
12
$0 Premium PFFS Plans
0
Average MOOP
$9,850
Top PFFS by Enrollment
Humana Gold Choice H8145-004 (PFFS) — 12 enrollees
PFFS Plans Without Drug Coverage
0

Comparison table of 2027 PFFS Medicare Advantage Plans available in Avery County, North Carolina
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
Humana Gold Choice H8145-004
☆☆☆☆☆
$43 $9,850 $700 H8145-004-0

What is the typical premium for PFFS plans in Avery?

PFFS plans in Avery cost $43.00 per month on average.

Which PFFS plan has the most enrollment in Avery?

The most popular PFFS plan in Avery is Humana Gold Choice H8145-004 (PFFS), with 12 enrollees.

How many PFFS options are available without prescription drug coverage in Avery?

There are 0 PFFS plans in Avery without prescription drug coverage.

The table below shows CMS star ratings for Medicare Advantage plans in Avery County, NC for 2027.

CMS Star Ratings for Medicare Advantage Plans in Avery County, NC (2027)
Rating Category Number of Plans Percent of Plans
5 Stars No 5-star plans available. 0%
4 Stars (includes 5 Stars) 34 81%
3 Stars 8 19%
Below 3 Stars 0 0%
Not Rated 1 2%
Average Rating 4

* Medicare Advantage star ratings are determined by CMS each year using a standardized 5-star rating system.

Primary CMS datasets used for this Medicare Advantage Plan county resource.
Data Source Publisher CMS Version
Landscape Source Files Centers for Medicare & Medicaid Services CY2027 Landscape (202609.1)
Medicare Part C & D Performance Centers for Medicare & Medicaid Services 2027 Star Ratings Data Tables
Plan Benefits Package Centers for Medicare & Medicaid Services PBP Benefits-2027
Monthly Enrollment by Contract/Plan/State/County Centers for Medicare & Medicaid Services 2026-09

County-level figures shown on this page, including plan counts, enrollment totals, averages, and percentage distributions, reflect standard Medicare Advantage (MA/MAPD) plans only and are derived from CMS datasets using a standardized aggregation methodology.

Data sources and methodology documentation.

Secondary Medicare references and explanatory resources.
Publisher Reference Last Accessed
Medicare.gov Compare types of Medicare Advantage Plans 25 May, 2025
Medicare.gov Your coverage options 25 May, 2025
Medicare.gov Joining a plan 25 May, 2025

MedicarePlans.com is an independent, non-government informational resource and is not affiliated with or endorsed by the U.S. Government or the federal Medicare program.

This page follows data provenance practices aligned with the USCDI Provenance standard .

Page content independently curated and maintained by David W. Bynon, Editorial Steward, using a standardized, data-driven methodology for accurate, non-commercial Medicare plan interpretation and resolution.

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