2026 Medicare Advantage Plans in Clay County, NC
Last update: . Enrollment data updated: August 15, 2026
In Clay County, NC, there are 36 Medicare Advantage plans available for 2026. Of these, 28 offer a $0 monthly premium, and about 48% 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 Clay County, NC. Or explore all Medicare Options available in Clay County, NC.
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 22
- Average Monthly Premium $19.41/mo
- Total PPO Enrollment 1,060
- $0 Premium PPO Plans 18
- Average MOOP $7,805
- Top PPO by Enrollment Aetna Medicare Signature (PPO) — 304 enrollees
- PPO Plans Without Drug Coverage 8
What is the total number of PPO plans offered in Clay?
There are 22 PPO plans in 2026, covering 1,060 beneficiaries.
How much do PPO plans cost in Clay?
The average PPO premium in Clay is $19.41 per month, with 18 plans offering $0 premiums.
What is the most popular PPO plan in Clay?
Aetna Medicare Signature (PPO) is the top PPO in Clay, with 304 enrollees.
What is the number of PPO plans without Part D coverage in Clay?
There are 8 PPO plans in Clay 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
- 2
- Average Monthly Premium
- $16.10/mo
- Total HMO Enrollment
- 26
- $0 Premium HMO Plans
- 1
- Average MOOP
- $7,375
- Top HMO by Enrollment
- Aetna Medicare Value Plus (HMO) — 26 enrollees
- HMO Plans Without Drug Coverage
- 0
| Health Plan Name | CMS Rating* | Premium Per Mo | MOOP | PDP Ded. | CMS Plan ID |
|---|---|---|---|---|---|
| Aetna Medicare Value Plus | $32 | $5,500 | $615 | H3146-006-0 | |
| Blue Medicare Essential | $0 | $9,250 | $615 | H3449-027-2 |
What is the average monthly premium for HMO plans?
HMO plans in Clay cost $16.10 per month on average.
Which HMO plan is most popular in Clay?
The most popular HMO plan in Clay is Aetna Medicare Value Plus (HMO), with 26 enrollees.
How many HMO plans in Clay do not include drug coverage?
There are 0 HMO plans in Clay 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.
| Health Plan Name | CMS Rating* | Premium Per Mo | MOOP | PDP Ded. | CMS Plan ID |
|---|---|---|---|---|---|
| Humana Gold Plus H1036-335 | $0 | $3,950 | $250 | H1036-335-2 | |
| AARP Medicare Advantage from UHC NC-0008 | $0 | $6,700 | $520 | H5253-079-0 | |
| AARP Medicare Advantage from UHC NC-0009 | $48 | $5,400 | $440 | H5253-080-0 | |
| AARP Medicare Advantage from UHC NC-24 | $0 | $5,400 | $520 | H5253-185-0 | |
| AARP Medicare Advantage Giveback from UHC NC-13 | $0 | $8,900 | $600 | H5253-105-0 | |
| AARP Medicare Advantage Patriot No Rx NC-MA02 | $0 | $7,900 | N/A | H5253-040-0 | |
| Blue Medicare Enhanced | $40 | $4,200 | $100 | H3449-024-2 | |
| Blue Medicare Essential Plus | $0 | $6,750 | $615 | H3449-023-4 | |
| Blue Medicare Medical Only | $0 | $3,900 | N/A | H3449-012-0 | |
| Humana Gold Plus H6622-025 | $0 | $9,250 | $350 | H6622-025-0 | |
| Humana Gold Plus H6622-026 | $35 | $9,250 | $350 | H6622-026-0 | |
| Wellcare Simple | $0 | $4,200 | $615 | H4073-001-0 |
What is the leading HMO-POS plan in Clay?
Humana Gold Plus H1036-335 (HMO-POS) is the top HMO-POS in Clay, with 112 enrollees.
What is the number of HMO-POS plans without Part D coverage in Clay?
2 HMO-POS plans in Clay do not include prescription drug coverage.
The table below shows CMS star ratings for Medicare Advantage plans in Clay County, NC for 2026.
| Rating Category | Number of Plans | Percent of Plans |
|---|---|---|
| 5 Stars | No 5-star plans available. | 0% |
| 4 Stars (includes 5 Stars) | 16 | 48% |
| 3 Stars | 17 | 52% |
| Below 3 Stars | 0 | 0% |
| Not Rated | 3 | 8% |
| Average Rating | 3.83 | |
* Medicare Advantage star ratings are determined by CMS each year using a standardized 5-star rating system.
- CMS.gov, Medicare Advantage Landscape Source Files — Last accessed August 15, 2026
- CMS.gov, Medicare Part C & D Performance Data — Last accessed August 15, 2026
- CMS.gov, Medicare Advantage & Part D Contract and Enrollment Data — Last accessed August 15, 2026
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 .
- Medicare.gov, "Compare types of Medicare Advantage Plans" — Last accessed 25 May, 2025
- Medicare.gov, "Your coverage options" — Last accessed 25 May, 2025
- Medicare.gov, "Joining a plan" — Last accessed 25 May, 2025
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