2026 Medicare Advantage Plans in Mecklenburg County, NC
Last update: . Enrollment data updated: June 13, 2026
In Mecklenburg County, NC, there are 56 Medicare Advantage plans available for 2026. Of these, 42 offer a $0 monthly premium, and about 66% 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 Mecklenburg County, NC. Or explore all Medicare Options available in Mecklenburg County, NC.
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.
What is the total number of PPO plans offered in Mecklenburg?
Mecklenburg County has 29 PPO plans for 2026, with 18,334 enrolled.
How much do PPO plans cost in Mecklenburg?
The typical PPO premium in Mecklenburg is $19.62, and 22 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
- 10
- Average Monthly Premium
- $1.30/mo
- Total HMO Enrollment
- 8,192
- $0 Premium HMO Plans
- 9
- Average MOOP
- $5,680
- Top HMO by Enrollment
- HealthSpring Preferred Savings (HMO) — 2,470 enrollees
- HMO Plans Without Drug Coverage
- 1
| Health Plan Name | CMS Rating* | Premium Per Mo | MOOP | PDP Ded. | CMS Plan ID |
|---|---|---|---|---|---|
| DEVOTED GIVEBACK 012 NC | $0 | $8,900 | $605 | H5299-012-0 | |
| Aetna Medicare Signature | $0 | $5,500 | $615 | H3146-001-0 | |
| Aetna Medicare Signature Care | $0 | $6,350 | $615 | H3146-021-0 | |
| Blue Medicare Choice | $0 | $4,200 | $615 | H3449-026-0 | |
| Blue Medicare Essential | $0 | $9,250 | $615 | H3449-027-1 | |
| HealthSpring Courage | $0 | $6,750 | N/A | H9725-005-0 | |
| HealthSpring Preferred | $0 | $3,450 | $295 | H9725-009-1 | |
| HealthSpring Preferred Plus | $13 | $3,200 | $200 | H9725-017-1 | |
| HealthSpring Preferred Savings | $0 | $6,000 | $0 | H9725-015-1 | |
| HealthSpring Preferred Select | $0 | $3,200 | $295 | H9725-014-0 |
- What is the average monthly premium for HMO plans?
- HMO plans in Mecklenburg cost $1.30 per month on average.
- Which HMO plan is most popular in Mecklenburg?
- The most popular HMO plan in Mecklenburg is HealthSpring Preferred Savings (HMO), with 2,470 enrollees.
- How many HMO plans in Mecklenburg do not include drug coverage?
- There are 1 HMO plans in Mecklenburg 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 16
- Average Monthly Premium $22.00/mo
- Total HMO-POS Enrollment 31,584
- $0 Premium HMO-POS Plans 11
- Average MOOP $5,744
- Top HMO-POS by Enrollment Humana Gold Plus H1036-335 (HMO-POS) — 7,170 enrollees
- HMO-POS Plans Without Drug Coverage 3
What is the total number of HMO-POS plans in Mecklenburg?
There are 16 HMO-POS plans in 2026, covering 31,584 enrollees.
How much do HMO-POS plans cost in Mecklenburg?
The average HMO-POS premium in Mecklenburg is $22.00 per month, with 11 plans offering $0 premiums.
What is the leading HMO-POS plan in Mecklenburg?
Humana Gold Plus H1036-335 (HMO-POS) is the top HMO-POS in Mecklenburg, with 7,170 enrollees.
What is the number of HMO-POS plans without Part D coverage in Mecklenburg?
3 HMO-POS plans in Mecklenburg do not include prescription drug coverage.
Medicare Advantage PFFS Plans
PFFS plans allow members to visit any Medicare-approved provider who accepts the plan’s payment terms. This offers broader choice than network-based plans, but coverage depends on provider participation, so acceptance should be confirmed in advance.
- Total PFFS Plans
- 1
- Average Monthly Premium
- $7.00/mo
- Total PFFS Enrollment
- 78
- $0 Premium PFFS Plans
- 0
- Average MOOP
- $7,550
- Top PFFS by Enrollment
- Humana Gold Choice H8145-004 (PFFS) — 78 enrollees
- PFFS Plans Without Drug Coverage
- 0
| Health Plan Name | CMS Rating* | Premium Per Mo | MOOP | PDP Ded. | CMS Plan ID |
|---|---|---|---|---|---|
| Humana Gold Choice H8145-004 | $7 | $7,550 | $615 | H8145-004-0 |
What is the average monthly premium for PFFS plans?
PFFS plans in Mecklenburg cost $7.00 per month on average.
Which PFFS plan is most popular in Mecklenburg?
The most popular PFFS plan in Mecklenburg is Humana Gold Choice H8145-004 (PFFS), with 78 enrollees.
How many PFFS plans in Mecklenburg do not include drug coverage?
There are 0 PFFS plans in Mecklenburg without prescription drug coverage.
The table below shows CMS star ratings for Medicare Advantage plans in Mecklenburg County, NC for 2026.
| Rating Category | Number of Plans | Percent of Plans |
|---|---|---|
| 5 Stars | 5 | 9% |
| 4 Stars (includes 5 Stars) | 35 | 66% |
| 3 Stars | 18 | 34% |
| Below 3 Stars | 0 | 0% |
| Not Rated | 3 | 5% |
| Average Rating | 4 | |
* 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 June 13, 2026
- CMS.gov, Medicare Part C & D Performance Data — Last accessed June 13, 2026
- CMS.gov, Medicare Advantage & Part D Contract and Enrollment Data — Last accessed June 13, 2026
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.