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2027 Medicare Advantage Plans in Mecklenburg County, NC

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Mecklenburg County, NC has 50 Medicare Advantage plans available in 2027. These include 41 plans with no monthly premium, and roughly 72% are rated at least 4 stars based on CMS data.

At a Glance

Average Monthly Premium: $9.51/mo
$0 Premium Plans: 41
Average MOOP: $7,575 ($9,250 max. in 2027)
Star Ratings (Plan Mix): 4+ Stars: 72% · 3 Stars: 28% · Below 3: 0%
Average Part D Deductible: $621.92
Total MA/MAPD Enrollment: 56,171
Plans with the Highest Enrollment
(as of October 5, 2026)
1. Aetna Medicare Signature (PPO) — 7,356 enrollees
2. Humana Gold Plus H1036-335 (HMO-POS) — 7,120 enrollees
3. AARP Medicare Advantage from UHC NC-15 (HMO-POS) — 6,818 enrollees

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. 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 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 26
  • Average Monthly Premium $13.43/mo
  • Total PPO Enrollment 18,070
  • $0 Premium PPO Plans 20
  • Average MOOP $8,283
  • Top PPO by Enrollment Aetna Medicare Signature (PPO) — 7,356 enrollees
  • PPO Plans Without Drug Coverage 9

Comparison table of 2027 PPO Medicare Advantage Plans available in Mecklenburg 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
Blue Medicare PPO Enhanced
☆☆☆☆☆
 $45 $6,900 $700 H3404-003-1
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 Signature
☆☆☆☆☆
 $0 $5,900 $500 H5521-081-0
Aetna Medicare Signature Giveback
☆☆☆☆☆
 $0 $7,500 $700 H5521-348-0
DEVOTED CHOICE 001 NC
☆☆☆☆☆
 $0 $6,150 $461 H9700-001-0
DEVOTED CHOICE GIVEBACK 002 NC
☆☆☆☆☆
 $0 $9,250 $461 H9700-002-0
DEVOTED CHOICE MA ONLY 007 NC
☆☆☆☆☆
 $0 $9,250 N/A H9700-007-0
Humana USAA Honor Giveback
☆☆☆☆☆
 $0 $9,850 N/A H5525-065-0
Humana USAA Honor Giveback
☆☆☆☆☆
 $0 $9,850 N/A H5216-343-0
HumanaChoice Giveback H5216-017
☆☆☆☆☆
 $0 $9,850 $700 H5216-017-0
HumanaChoice Giveback H5525-035
☆☆☆☆☆
 $0 $9,850 $700 H5525-035-0
HumanaChoice H5216-211
☆☆☆☆☆
 $67 $9,850 $700 H5216-211-0
HumanaChoice H5525-070
☆☆☆☆☆
 $13 $9,850 $700 H5525-070-0
HealthTeam Advantage Eagle Plan
☆☆☆☆☆
 $0 $8,500 N/A H9808-009-0
HealthTeam Advantage Vitality Plan
☆☆☆☆☆
 $0 $5,200 $595 H9808-010-0
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
HealthSpring True Choice
☆☆☆☆☆
 $0 $7,100 $500 H7849-113-1
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 Mecklenburg?

Aetna Medicare Signature (PPO) is the top PPO in Mecklenburg, with 7,356 enrollees.

What is the number of PPO plans without Part D coverage in Mecklenburg?

There are 9 PPO plans in Mecklenburg 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
10
Average Monthly Premium
$0.00/mo
Total HMO Enrollment
6,709
$0 Premium HMO Plans
10
Average MOOP
$6,460
Top HMO by Enrollment
HealthSpring Preferred Savings (HMO) — 2,723 enrollees
HMO Plans Without Drug Coverage
1

Comparison table of 2027 HMO Medicare Advantage Plans available in Mecklenburg County, North Carolina
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
Alignment Health Platinum 012
☆☆☆☆☆
 $0 $3,500 $225 H5296-012-0
Alignment Health Smart 013
☆☆☆☆☆
 $0 $6,500 $700 H5296-013-0
DEVOTED CORE 037 NC
☆☆☆☆☆
 $0 $4,950 $650 H5299-037-0
DEVOTED GIVEBACK 012 NC
☆☆☆☆☆
 $0 $9,850 $461 H5299-012-0
DEVOTED GIVEBACK EXTRAS 039 NC
☆☆☆☆☆
 $0 $7,050 $700 H5299-039-0
Blue Medicare Essential
☆☆☆☆☆
 $0 $9,850 $700 H3449-027-1
Aetna Medicare Signature
☆☆☆☆☆
 $0 $5,500 $400 H3146-001-0
HealthSpring Courage
☆☆☆☆☆
 $0 $6,750 N/A H9725-005-0
HealthSpring Preferred
☆☆☆☆☆
 $0 $3,900 $400 H9725-009-1
HealthSpring Preferred Savings
☆☆☆☆☆
 $0 $6,750 $600 H9725-015-1

What is the typical premium for HMO plans in Mecklenburg?

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

Which HMO plan do most beneficiaries choose in Mecklenburg?

The most popular HMO plan in Mecklenburg is HealthSpring Preferred Savings (HMO), with 2,723 enrollees.

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

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 13
  • Average Monthly Premium $6.38/mo
  • Total HMO-POS Enrollment 31,317
  • $0 Premium HMO-POS Plans 11
  • Average MOOP $6,842
  • Top HMO-POS by Enrollment Humana Gold Plus H1036-335 (HMO-POS) — 7,120 enrollees
  • HMO-POS Plans Without Drug Coverage 2

Comparison table of 2027 HMO-POS Medicare Advantage Plans available in Mecklenburg County, North Carolina
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
☆☆☆☆☆
 $41 $4,900 $700 H3449-024-1
Blue Medicare Essential Plus
☆☆☆☆☆
 $0 $5,900 $700 H3449-023-1
Blue Medicare Medical Only
☆☆☆☆☆
 $0 $3,900 N/A H3449-012-0
Wellcare Simple
☆☆☆☆☆
 $0 $6,700 $700 H4073-001-0
What is the total number of HMO-POS plans in Mecklenburg?

In 2027, Mecklenburg has 13 HMO-POS plans with 31,317 enrollees.

How much do HMO-POS plans cost in Mecklenburg?

The typical HMO-POS premium in Mecklenburg is $6.38, and 11 plans have no monthly premium.

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
$43.00/mo
Total PFFS Enrollment
75
$0 Premium PFFS Plans
0
Average MOOP
$9,850
Top PFFS by Enrollment
Humana Gold Choice H8145-004 (PFFS) — 75 enrollees
PFFS Plans Without Drug Coverage
0

Comparison table of 2027 PFFS Medicare Advantage Plans available in Mecklenburg County, North Carolina
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
Humana Gold Choice H8145-004
☆☆☆☆☆
 $43 $9,850 $700 H8145-004-0
What is the average monthly premium for PFFS plans?
PFFS plans in Mecklenburg cost $43.00 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 75 enrollees.
How many PFFS plans in Mecklenburg do not include drug coverage?
There are 0 PFFS plans in Mecklenburg without prescription drug coverage.

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

CMS Star Ratings for Medicare Advantage Plans in Mecklenburg County, NC (2027)
Rating Category Number of Plans Percent of Plans
5 Stars No 5-star plans available. 0%
4 Stars (includes 5 Stars) 36 72%
3 Stars 14 28%
Below 3 Stars 0 0%
Not Rated 0 0%
Average Rating 3.91

* Medicare Advantage star ratings are determined by CMS each year using a standardized 5-star rating system.

Medicare Advantage plans listed on this page are available to eligible beneficiaries residing in Mecklenburg County, North Carolina, including communities such as Cornelius, Davidson, Huntersville, Matthews, Pineville, Charlotte, and other areas throughout the county. Plan availability is determined by county of residence, not by city.

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 .

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 .