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

2027 Medicare Advantage Plans in Cumberland County, NC

Last update: October 4, 2026.

In Cumberland County, NC, there are 40 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.

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

  • 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
$12.73/mo
Plans with $0 Premium
30
Average MOOP Limit
$7,629 ($9,250 max. in 2027)
Star Ratings (Plan Mix)
4+ Stars: 78% · 3 Stars: 23% · Below 3: 0%
Average Part D Deductible
$614.52
Total MA/MAPD Enrollment
18,564
Plans with the Highest Enrollment
(as of October 5, 2026)
1. Humana USAA Honor Giveback (PPO) — 3,561 enrollees
2. Humana Gold Plus H1036-335 (HMO-POS) — 2,327 enrollees
3. Blue Medicare Essential Plus (HMO-POS) — 2,278 enrollees

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
23
Average Monthly Premium
$18.14/mo
Total PPO Enrollment
7,594
$0 Premium PPO Plans
15
Average MOOP
$8,041
Top PPO by Enrollment
Humana USAA Honor Giveback (PPO) — 3,561 enrollees
PPO Plans Without Drug Coverage
7

PPO Medicare Advantage plan comparison – Cumberland County, North Carolina, 2027
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
AARP Medicare Advantage from UHC NC-0001
☆☆☆☆☆
$0 $7,150 $685 H2001-090-0
AARP Medicare Advantage from UHC NC-0004
☆☆☆☆☆
$34 $6,900 $685 H2001-102-0
AARP Medicare Advantage Patriot No Rx NC-MA01
☆☆☆☆☆
$0 $8,900 N/A H2001-103-0
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
AARP Medicare Advantage from UHC NC-0016
☆☆☆☆☆
$53 $4,450 $595 H2406-034-0
AARP Medicare Advantage from UHC NC-0017
☆☆☆☆☆
$0 $7,150 $685 H2406-098-0
Aetna Medicare Eagle
☆☆☆☆☆
$0 $7,150 N/A H5521-241-0
Aetna Medicare Enhanced
☆☆☆☆☆
$24 $5,900 $500 H5521-169-0
Aetna Medicare Signature
☆☆☆☆☆
$0 $5,900 $500 H5521-081-0
Aetna Medicare Signature Extra
☆☆☆☆☆
$0 $5,900 $500 H5521-170-0
Aetna Medicare Signature Giveback
☆☆☆☆☆
$0 $7,500 $700 H5521-348-0
Humana USAA Honor Giveback
☆☆☆☆☆
$0 $9,850 N/A H5525-065-0
HumanaChoice Giveback H5525-035
☆☆☆☆☆
$0 $9,850 $700 H5525-035-0
HumanaChoice H5525-049
☆☆☆☆☆
$52 $9,850 $450 H5525-049-0
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 Cumberland?

Cumberland County has 23 PPO plans for 2027, with 7,594 enrolled.

How much do PPO plans cost in Cumberland?

The typical PPO premium in Cumberland is $18.14, 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
3
Average Monthly Premium
$0.00/mo
Total HMO Enrollment
403
$0 Premium HMO Plans
3
Average MOOP
$6,767
Top HMO by Enrollment
Aetna Medicare Value Plus (HMO) — 243 enrollees
HMO Plans Without Drug Coverage
0

HMO Medicare Advantage plan comparison – Cumberland County, North Carolina, 2027
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
Blue Medicare Essential
☆☆☆☆☆
$0 $9,850 $700 H3449-027-2
Aetna Medicare Value Plus
☆☆☆☆☆
$0 $5,500 $400 H3146-006-0
Troy Medicare
☆☆☆☆☆
$0 $4,950 $0 H4676-001-0
What is the average monthly premium for HMO plans?
HMO plans in Cumberland cost $0.00 per month on average.
Which HMO plan is most popular in Cumberland?
The most popular HMO plan in Cumberland is Aetna Medicare Value Plus (HMO), with 243 enrollees.
How many HMO plans in Cumberland do not include drug coverage?
There are 0 HMO plans in Cumberland 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 14
  • Average Monthly Premium $6.57/mo
  • Total HMO-POS Enrollment 10,567
  • $0 Premium HMO-POS Plans 12
  • Average MOOP $7,136
  • Top HMO-POS by Enrollment Humana Gold Plus H1036-335 (HMO-POS) — 2,327 enrollees
  • HMO-POS Plans Without Drug Coverage 2

HMO-POS Medicare Advantage plan comparison – Cumberland County, North Carolina, 2027
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
Humana Gold Plus Giveback H1036-318
☆☆☆☆☆
$0 $9,850 $700 H1036-318-0
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-0021
☆☆☆☆☆
$42 $4,900 $595 H5253-037-0
AARP Medicare Advantage from UHC NC-0022
☆☆☆☆☆
$0 $5,900 $685 H5253-038-0
AARP Medicare Advantage from UHC NC-15
☆☆☆☆☆
$0 $4,450 $685 H5253-117-0
AARP Medicare Advantage Giveback from UHC NC-14
☆☆☆☆☆
$0 $9,500 $685 H5253-110-0
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 $7,000 $700 H3449-023-2
Blue Medicare Medical Only
☆☆☆☆☆
$0 $3,900 N/A H3449-012-0
Humana Gold Plus H6622-060
☆☆☆☆☆
$0 $9,850 $450 H6622-060-0
Wellcare Simple
☆☆☆☆☆
$0 $6,700 $700 H4073-001-0
What is the total number of HMO-POS plans in Cumberland?

There are 14 HMO-POS plans in 2027, covering 10,567 enrollees.

How much do HMO-POS plans cost in Cumberland?

The average HMO-POS premium in Cumberland is $6.57 per month, with 12 plans offering $0 premiums.

What is the leading HMO-POS plan in Cumberland?

Humana Gold Plus H1036-335 (HMO-POS) is the top HMO-POS in Cumberland, with 2,327 enrollees.

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

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

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

CMS Star Ratings for Medicare Advantage Plans in Cumberland County, NC (2027)
Rating Category Number of Plans Percent of Plans
5 Stars No 5-star plans available. 0%
4 Stars (includes 5 Stars) 31 78%
3 Stars 9 23%
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

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.

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
AARP.org The Big Choice: Original Medicare vs. Medicare Advantage 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 .

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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