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2027 Medicare Advantage Plans in Clay County, NC

Last update: .

Clay County, NC has 36 Medicare Advantage plans available in 2027. These include 30 plans with no monthly premium, and roughly 78% are rated at least 4 stars based on CMS data.

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.

At a Glance

Average Monthly Premium: $8.46/mo
$0 Premium Plans: 30
Average MOOP: $8,229 ($9,250 max. in 2027)
Star Ratings (Plan Mix): 4+ Stars: 78% · 3 Stars: 22% · Below 3: 0%
Average Part D Deductible: $639.62
Total MA/MAPD Enrollment: 1,052
Plans with the Highest Enrollment
(as of October 5, 2026)
1. Aetna Medicare Signature (PPO) — 298 enrollees
2. Aetna Medicare Signature Giveback (PPO) — 227 enrollees
3. Humana Gold Plus H1036-335 (HMO-POS) — 110 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 18
  • Average Monthly Premium $10.24/mo
  • Total PPO Enrollment 800
  • $0 Premium PPO Plans 15
  • Average MOOP $8,892
  • Top PPO by Enrollment Aetna Medicare Signature (PPO) — 298 enrollees
  • PPO Plans Without Drug Coverage 8

Comparison table of 2027 PPO Medicare Advantage Plans available in Clay 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
HumanaChoice H7617-122
☆☆☆☆☆
 $13 $9,850 $700 H7617-122-0
Aetna Medicare Eagle
☆☆☆☆☆
 $0 $7,150 N/A H5521-241-0
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 H5216-343-0
Humana USAA Honor Giveback
☆☆☆☆☆
 $0 $9,850 N/A H5525-065-0
HumanaChoice Giveback H5216-017
☆☆☆☆☆
 $0 $9,850 $700 H5216-017-0
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
What is the most popular PPO plan in Clay?

Aetna Medicare Signature (PPO) is the top PPO in Clay, with 298 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
5
Average Monthly Premium
$0.00/mo
Total HMO Enrollment
32
$0 Premium HMO Plans
5
Average MOOP
$7,460
Top HMO by Enrollment
Aetna Medicare Value Plus (HMO) — 32 enrollees
HMO Plans Without Drug Coverage
0

Comparison table of 2027 HMO Medicare Advantage Plans available in Clay County, North Carolina
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
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 typical premium for HMO plans in Clay?

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

Which HMO plan do most beneficiaries choose in Clay?

The most popular HMO plan in Clay is Aetna Medicare Value Plus (HMO), with 32 enrollees.

How many HMO options are offered without prescription drug coverage in Clay?

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 requirements 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 13
  • Average Monthly Premium $9.25/mo
  • Total HMO-POS Enrollment 220
  • $0 Premium HMO-POS Plans 10
  • Average MOOP $7,608
  • Top HMO-POS by Enrollment Humana Gold Plus H1036-335 (HMO-POS) — 110 enrollees
  • HMO-POS Plans Without Drug Coverage 2

Comparison table of 2027 HMO-POS Medicare Advantage Plans available in Clay 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
☆☆☆☆☆
 $50 $4,900 $700 H3449-024-2
Blue Medicare Essential Plus
☆☆☆☆☆
 $0 $8,400 $700 H3449-023-4
Blue Medicare Medical Only
☆☆☆☆☆
 $0 $3,900 N/A H3449-012-0
Humana Gold Plus H6622-025
☆☆☆☆☆
 $0 $9,850 $450 H6622-025-0
Humana Gold Plus H6622-026
☆☆☆☆☆
 $13 $9,850 $450 H6622-026-0
Wellcare Simple
☆☆☆☆☆
 $0 $6,700 $700 H4073-001-0
What is the total number of HMO-POS plans in Clay?

In 2027, Clay has 13 HMO-POS plans with 220 enrollees.

How much do HMO-POS plans cost in Clay?

The typical HMO-POS premium in Clay is $9.25, and 10 plans have no monthly premium.

Below is a breakdown of CMS star ratings for Medicare Advantage plans available in Clay County, NC for 2027.

CMS Star Ratings for Medicare Advantage Plans in Clay County, NC (2027)
Rating Category Number of Plans Percent of Plans
5 Stars No 5-star plans available. 0%
4 Stars (includes 5 Stars) 28 78%
3 Stars 8 22%
Below 3 Stars 0 0%
Not Rated 0 0%
Average Rating 3.96

* 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
CMS.gov Medicare Advantage Plan Fact Sheet 25 May, 2025
Medicare.gov Your coverage options 25 May, 2025
Medicare.gov Joining a plan 25 May, 2025

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Data provenance documentation is maintained in alignment with the U.S. Core Data for Interoperability (USCDI) Provenance standard .