2026 Medicare Advantage Plans in Rowan County, NC
Last update: . Enrollment data updated: May 2, 2026
Rowan County, NC has 50 Medicare Advantage plans available in 2026. These include 38 plans with no monthly premium, and roughly 62% are rated at least 4 stars based on CMS data.
Medicare Advantage Special Needs Plans (SNPs) are not included in the figures shown above. View Special Needs Plans in Rowan County, NC. Or explore all Medicare Options available in Rowan County, NC.
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 29
- Average Monthly Premium $20.24/mo
- Total PPO Enrollment 3,715
- $0 Premium PPO Plans 22
- Average MOOP $7,286
- Top PPO by Enrollment Aetna Medicare Signature (PPO) — 1,214 enrollees
- PPO Plans Without Drug Coverage 9
What is the most popular PPO plan in Rowan?
Aetna Medicare Signature (PPO) is the top PPO in Rowan, with 1,214 enrollees.
What is the number of PPO plans without Part D coverage in Rowan?
There are 9 PPO plans in Rowan 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
- 8
- Average Monthly Premium
- $5.65/mo
- Total HMO Enrollment
- 2,160
- $0 Premium HMO Plans
- 6
- Average MOOP
- $6,069
- Top HMO by Enrollment
- HealthSpring Preferred (HMO) — 827 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 Value Plus | $32 | $5,500 | $615 | H3146-006-0 | |
| Blue Medicare Essential | $0 | $9,250 | $615 | H3449-027-2 | |
| 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 |
What is the typical premium for HMO plans in Rowan?
HMO plans in Rowan cost $5.65 per month on average.
Which HMO plan do most beneficiaries choose in Rowan?
The most popular HMO plan in Rowan is HealthSpring Preferred (HMO), with 827 enrollees.
How many HMO options are offered without prescription drug coverage in Rowan?
There are 1 HMO plans in Rowan 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 12
- Average Monthly Premium $6.42/mo
- Total HMO-POS Enrollment 8,787
- $0 Premium HMO-POS Plans 10
- Average MOOP $5,925
- Top HMO-POS by Enrollment Humana Gold Plus H1036-335 (HMO-POS) — 2,624 enrollees
- HMO-POS Plans Without Drug Coverage 2
| Health Plan Name | CMS Rating* | Premium Per Mo | MOOP | PDP Ded. | CMS Plan ID |
|---|---|---|---|---|---|
| Humana Gold Plus Giveback H1036-318 | $0 | $9,250 | $450 | H1036-318-0 | |
| Humana Gold Plus H1036-137 | $0 | $9,250 | $350 | H1036-137-0 | |
| Humana Gold Plus H1036-335 | $0 | $3,950 | $250 | H1036-335-2 | |
| AARP Medicare Advantage from UHC NC-0015 | $0 | $4,200 | $440 | H5253-117-0 | |
| AARP Medicare Advantage from UHC NC-0021 | $37 | $4,200 | $355 | H5253-037-0 | |
| AARP Medicare Advantage from UHC NC-0022 | $0 | $5,400 | $440 | H5253-038-0 | |
| AARP Medicare Advantage Giveback from UHC NC-14 | $0 | $9,250 | $600 | H5253-110-0 | |
| AARP Medicare Advantage Patriot No Rx NC-MA02 | $0 | $7,900 | N/A | H5253-040-0 | |
| Blue Medicare Enhanced | $40 | $4,200 | $100 | H3449-024-2 | |
| Blue Medicare Essential Plus | $0 | $5,400 | $615 | H3449-023-2 | |
| Blue Medicare Medical Only | $0 | $3,900 | N/A | H3449-012-0 | |
| Wellcare Simple | $0 | $4,200 | $615 | H4073-001-0 |
What is the total number of HMO-POS plans in Rowan?
In 2026, Rowan has 12 HMO-POS plans with 8,787 enrollees.
How much do HMO-POS plans cost in Rowan?
The typical HMO-POS premium in Rowan is $6.42, and 10 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
- $7.00/mo
- Total PFFS Enrollment
- 36
- $0 Premium PFFS Plans
- 0
- Average MOOP
- $7,550
- Top PFFS by Enrollment
- Humana Gold Choice H8145-004 (PFFS) — 36 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 Rowan cost $7.00 per month on average.
- Which PFFS plan is most popular in Rowan?
- The most popular PFFS plan in Rowan is Humana Gold Choice H8145-004 (PFFS), with 36 enrollees.
- How many PFFS plans in Rowan do not include drug coverage?
- There are 0 PFFS plans in Rowan without prescription drug coverage.
Below is a breakdown of CMS star ratings for Medicare Advantage plans available in Rowan County, NC for 2026.
| Rating Category | Number of Plans | Percent of Plans |
|---|---|---|
| 5 Stars | 1 | 2% |
| 4 Stars (includes 5 Stars) | 29 | 62% |
| 3 Stars | 18 | 38% |
| Below 3 Stars | 0 | 0% |
| Not Rated | 3 | 6% |
| Average Rating | 3.91 | |
* 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 May 2, 2026
- CMS.gov, Medicare Part C & D Performance Data — Last accessed May 2, 2026
- CMS.gov, Medicare Advantage & Part D Contract and Enrollment Data — Last accessed May 2, 2026
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 .
- CMS.gov, "Medicare Advantage Plan Fact Sheet" — Last accessed 25 May, 2025
- Medicare.gov, "Your coverage options" — Last accessed 25 May, 2025
- Medicare.gov, "Joining a plan" — 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.