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

2027 Medicare Advantage Plans in Clay County, NC

Last update: October 4, 2026.

In Clay County, NC, there are 36 Medicare Advantage plans available for 2027. Of these, 30 offer a $0 monthly premium, and about 78% are rated 4 stars or higher based on CMS quality ratings.

  • PPO Plans
  • HMO Plans
  • HMO-POS Plans

At a Glance

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

Average Monthly Premium
$8.46/mo
Plans with $0 Premium
30
Average MOOP Limit
$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 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. To understand how local plans fit into the broader market, visit our North Carolina Medicare Advantage plan directory for statewide plan counts, premiums, out-of-pocket limits, CMS ratings, and enrollment data.

Medicare Advantage PPO Plans

Preferred Provider Organization (PPO) plans allow members to use both in-network and out-of-network providers. Out-of-network care typically costs more, but PPOs offer greater flexibility in how care is accessed.

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

PPO Medicare Advantage plan comparison – Clay County, North Carolina, 2027
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 total number of PPO plans offered in Clay?

Clay County has 18 PPO plans for 2027, with 800 enrolled.

How much do PPO plans cost in Clay?

The typical PPO premium in Clay is $10.24, and 15 plans have no monthly premium.

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

HMO Medicare Advantage plan comparison – Clay County, North Carolina, 2027
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 average monthly premium for HMO plans?
HMO plans in Clay cost $0.00 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 32 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 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

HMO-POS Medicare Advantage plan comparison – Clay County, North Carolina, 2027
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?

There are 13 HMO-POS plans in 2027, covering 220 enrollees.

How much do HMO-POS plans cost in Clay?

The average HMO-POS premium in Clay is $9.25 per month, with 10 plans offering $0 premiums.

What is the leading HMO-POS plan in Clay?

Humana Gold Plus H1036-335 (HMO-POS) is the top HMO-POS in Clay, with 110 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 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.

  • CMS.gov, Medicare Advantage & Special Needs Plan Landscape Source Files — Version: 202609
  • CMS.gov, Medicare Part C & D Performance Data — Version: 2026
  • CMS.gov, Medicare Advantage & Part D Contract and Enrollment Data — Version: 2026-09

This page presents county-level Medicare Advantage (MA/MAPD) data, including plan counts, enrollment totals, averages, and percentage distributions, derived from CMS datasets using a standardized aggregation approach.

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
  • AARP.org, "The Big Choice: Original Medicare vs. Medicare Advantage" — Last accessed 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.

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