2026 Medicare Advantage Plans in Gates County, NC
Last update: . Enrollment data updated: August 15, 2026
For 2026, Gates County, NC includes 28 Medicare Advantage plans. Enrollment across these plans totals approximately 619, with 18 $0 premium options and 64% rated 4 stars or higher.
Totals on this page exclude Medicare Advantage Special Needs Plans (SNPs). SNP plans for Gates County, NC are provided separately. Or you can discover all Medicare Options in Gates County, NC.
Medicare Advantage PPO Plans
Preferred Provider Organization (PPO) plans allow members to choose care from both in-network and out-of-network providers. Out-of-network care usually costs more, but PPOs offer greater flexibility in how members access care.
- Total PPO Plans
- 19
- Average Monthly Premium
- $28.00/mo
- Total PPO Enrollment
- 439
- $0 Premium PPO Plans
- 12
- Average MOOP
- $7,845
- Top PPO by Enrollment
- HumanaChoice Giveback H5525-035 (PPO) — 138 enrollees
- PPO Plans Without Drug Coverage
- 6
What is the typical premium for PPO plans available in Gates?
PPO plans in Gates cost $28.00 per month on average.
Which PPO plan do most beneficiaries choose in Gates?
The most popular PPO plan in Gates is HumanaChoice Giveback H5525-035 (PPO), with 138 enrollees.
How many PPO options are offered without drug coverage in Gates?
6 PPO plans in Gates do not include prescription drug coverage.
Medicare Advantage HMO Plans
Health Maintenance Organization (HMO) plans generally require members to use in-network doctors, hospitals, and other providers, except in emergencies. Because of this structure, HMOs often have lower premiums and out-of-pocket costs than other plan types.
- Total HMO Plans 2
- Average Monthly Premium $16.10/mo
- Total HMO Enrollment 32
- $0 Premium HMO Plans 1
- Average MOOP $7,375
- Top HMO by Enrollment Aetna Medicare Value Plus (HMO) — 19 enrollees
- HMO Plans Without Drug Coverage 0
| Plan Name | Rating* | Premium | MOOP | Rx Ded. | 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 total number of HMO plans offered in Gates?
In 2026, Gates County has 2 HMO plans with 32 enrollees.
How much do HMO plans cost in Gates?
The typical HMO premium in Gates is $16.10, and 1 plans have no monthly premium.
Medicare Advantage HMO-POS Plans
HMO-POS plans are structured like HMOs, requiring in-network care for the lowest costs, while allowing limited out-of-network access at higher cost. This provides added flexibility compared with standard HMO plans.
- Total HMO-POS Plans
- 6
- Average Monthly Premium
- $7.83/mo
- Total HMO-POS Enrollment
- 136
- $0 Premium HMO-POS Plans
- 5
- Average MOOP
- $5,467
- Top HMO-POS by Enrollment
- Humana Gold Plus H1036-335 (HMO-POS) — 90 enrollees
- HMO-POS Plans Without Drug Coverage
- 2
| Plan Name | Rating* | Premium | MOOP | Rx Ded. | Plan-ID |
|---|---|---|---|---|---|
| Humana Gold Plus H1036-335 | $0 | $3,950 | $250 | H1036-335-2 | |
| AARP Medicare Advantage from UHC NC-26 | $0 | $5,400 | $440 | H5253-187-0 | |
| AARP Medicare Advantage Patriot No Rx NC-MA02 | $0 | $7,900 | N/A | H5253-040-0 | |
| Blue Medicare Enhanced | $47 | $4,200 | $100 | H3449-024-3 | |
| Blue Medicare Essential Plus | $0 | $7,450 | $615 | H3449-023-5 | |
| Blue Medicare Medical Only | $0 | $3,900 | N/A | H3449-012-0 |
- What is the average monthly premium for HMO-POS plans?
- HMO-POS plans in Gates cost $7.83 per month on average.
- Which HMO-POS plan is most popular in Gates?
- The most popular HMO-POS plan in Gates is Humana Gold Plus H1036-335 (HMO-POS), with 90 enrollees.
- How many HMO-POS plans in Gates do not include drug coverage?
- There are 2 HMO-POS plans in Gates without prescription drug coverage.
Medicare Advantage PFFS Plans
Private Fee-for-Service (PFFS) plans allow members to visit any Medicare-approved provider that accepts the plan’s payment terms. This provides flexibility in choosing doctors and hospitals, but provider acceptance should be confirmed before receiving care.
- Total PFFS Plans 1
- Average Monthly Premium $7.00/mo
- Total PFFS Enrollment 12
- $0 Premium PFFS Plans 0
- Average MOOP $7,550
- Top PFFS by Enrollment Humana Gold Choice H8145-004 (PFFS) — 12 enrollees
- PFFS Plans Without Drug Coverage 0
| Plan Name | Rating* | Premium | MOOP | Rx Ded. | Plan-ID |
|---|---|---|---|---|---|
| Humana Gold Choice H8145-004 | $7 | $7,550 | $615 | H8145-004-0 |
What is the total number of PFFS plans in Gates?
There are 1 PFFS plans in 2026, covering 12 enrollees.
How much do PFFS plans cost in Gates?
The average PFFS premium in Gates is $7.00 per month, with 0 plans offering $0 premiums.
What is the top PFFS plan in Gates?
Humana Gold Choice H8145-004 (PFFS) is the top PFFS in Gates, with 12 enrollees.
What is the number of PFFS plans without Part D coverage in Gates?
0 PFFS plans in Gates do not include prescription drug coverage.
CMS quality ratings for Medicare Advantage plans in Gates County, NC (2026) are summarized below.
| Rating Category | Number of Plans | Percent of Plans |
|---|---|---|
| 5 Stars | No 5-star plans available. | 0% |
| 4 Stars (includes 5 Stars) | 18 | 64% |
| 3 Stars | 10 | 36% |
| Below 3 Stars | 0 | 0% |
| Not Rated | 0 | 0% |
| Average Rating | 4 | |
* Star ratings are based on CMS quality measures and reflect plan performance for the 2026 rating period.
- 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
All plan counts, enrollment totals, averages, and percentage distributions are calculated at the county level using CMS data and include standard Medicare Advantage (MA/MAPD) plans only, based on a consistent aggregation methodology.
Data sources and methodology documentation .
- Medicare.gov, "Understanding Medicare Advantage Plans" — Last accessed 25 May, 2025
- Medicare.gov, "Explore your Medicare coverage options" — Last accessed 25 May, 2025
- NCOA.org, "5 Steps to Choosing the Right Medicare Plan for You" — Last accessed 25 May, 2025
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Data provenance is documented in accordance 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.