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

2027 Medicare Advantage Plans in Watauga County, NC

Last update: October 5, 2026.

For 2027, Watauga County, NC includes 30 Medicare Advantage plans. Enrollment across these plans totals approximately 2,267, with 23 $0 premium options and 73% rated 4 stars or higher.

This page and its statistics exclude Medicare Advantage Special Needs Plans (SNPs). Special Needs Plans in Watauga County, NC are summarized separately. Visit Medicare Options in Watauga County, NC to see more options.

  • PPO Plans
  • HMO Plans
  • HMO-POS Plans
  • PFFS Plans

At a Glance

County-level summary of Medicare Advantage plan availability and enrollment based on CMS data.

  • Average Monthly Premium: $14.05/mo
  • $0 Premium Plans: 23
  • Average MOOP: $8,430 ($9,250 max. in 2027)
  • Star Ratings (Plan Mix): 4+ Stars: 73% · 3 Stars: 27% · Below 3: 0%
  • Average Part D Deductible: $649.29
  • Total MA/MAPD Enrollment: 2,267
  • Plans with the Highest Enrollment
    (as of October 5, 2026)
    1. AARP Medicare Advantage from UHC NC-24 (HMO-POS) — 473 enrollees
    2. Blue Medicare Essential Plus (HMO-POS) — 411 enrollees
    3. Blue Medicare PPO Enhanced (PPO) — 333 enrollees

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
16
Average Monthly Premium
$19.27/mo
Total PPO Enrollment
802
$0 Premium PPO Plans
12
Average MOOP
$8,909
Top PPO by Enrollment
Blue Medicare PPO Enhanced (PPO) — 333 enrollees
PPO Plans Without Drug Coverage
7

2027 PPO Medicare Advantage plans in Watauga County, North Carolina (comparison chart)
PPO Plan Name Rating* Premium MOOP Rx Ded. Plan-ID
Blue Medicare Freedom+
☆☆☆☆☆
$0 $9,850 N/A H3404-004-0
Blue Medicare PPO Enhanced
☆☆☆☆☆
$70 $6,900 $700 H3404-003-2
Aetna Medicare Eagle
☆☆☆☆☆
$0 $7,150 N/A H5521-241-0
Aetna Medicare Signature Giveback
☆☆☆☆☆
$0 $7,500 $700 H5521-348-0
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
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 average monthly premium for PPO plans in Watauga?

PPO plans in Watauga cost $19.27 per month on average.

Which PPO plan has the highest enrollment in Watauga?

The most popular PPO plan in Watauga is Blue Medicare PPO Enhanced (PPO), with 333 enrollees.

How many PPO plans in Watauga do not include prescription drug coverage?

7 PPO plans in Watauga 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 $0.00/mo
  • Total HMO Enrollment 177
  • $0 Premium HMO Plans 2
  • Average MOOP $7,675
  • Top HMO by Enrollment Blue Medicare Essential (HMO) — 97 enrollees
  • HMO Plans Without Drug Coverage 0

2027 HMO Medicare Advantage plans in Watauga County, North Carolina (comparison chart)
Plan Name Rating* Premium MOOP Rx Ded. Plan-ID
Blue Medicare Essential
☆☆☆☆☆
$0 $9,850 $700 H3449-027-2
Aetna Medicare Value Plus
☆☆☆☆☆
$0 $5,500 $400 H3146-006-0
What is the top HMO by enrollment in Watauga?

Blue Medicare Essential (HMO) is the top HMO in Watauga, with 97 enrollees.

What is the number of HMO plans without Part D coverage in Watauga?

0 HMO plans in Watauga do not include prescription drug coverage.

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
11
Average Monthly Premium
$6.39/mo
Total HMO-POS Enrollment
1,277
$0 Premium HMO-POS Plans
9
Average MOOP
$7,741
Top HMO-POS by Enrollment
AARP Medicare Advantage from UHC NC-24 (HMO-POS) — 473 enrollees
HMO-POS Plans Without Drug Coverage
2

2027 HMO-POS Medicare Advantage plans in Watauga County, North Carolina (comparison chart)
Plan Name Rating* Premium MOOP Rx Ded. Plan-ID
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-24
☆☆☆☆☆
$0 $7,150 $685 H5253-185-0
AARP Medicare Advantage Patriot No Rx NC-MA02
☆☆☆☆☆
$0 $9,300 N/A H5253-040-0
Blue Medicare Enhanced
☆☆☆☆☆
$57 $4,900 $700 H3449-024-3
Blue Medicare Essential Plus
☆☆☆☆☆
$0 $9,850 $700 H3449-023-5
Blue Medicare Medical Only
☆☆☆☆☆
$0 $3,900 N/A H3449-012-0
Humana Gold Plus H6622-025
☆☆☆☆☆
$0 $9,850 $450 H6622-025-0
Humana Gold Plus H6622-026
☆☆☆☆☆
$13 $9,850 $450 H6622-026-0
Wellcare Simple
☆☆☆☆☆
$0 $6,700 $700 H4073-001-0

What is the typical premium for HMO-POS plans in Watauga?

HMO-POS plans in Watauga cost $6.39 per month on average.

Which HMO-POS plan has the most members in Watauga?

The most popular HMO-POS plan in Watauga is AARP Medicare Advantage from UHC NC-24 (HMO-POS), with 473 enrollees.

How many HMO-POS options are offered without prescription drug coverage in Watauga?

There are 2 HMO-POS plans in Watauga without prescription drug coverage.

Medicare Advantage PFFS Plans

PFFS, or Private Fee-for-Service plans, allow access to any Medicare-approved doctor or hospital that accepts the plan’s terms. They provide wide flexibility in choosing providers, but it’s essential to verify that your preferred healthcare professionals agree to the plan’s payment rules before scheduling care.

Total PFFS Plans
1
Average Monthly Premium
$43.00/mo
Beneficiaries Enrolled
11
$0 Premium PFFS
0
Average MOOP
$9,850
PFFS with the Highest Enrollment
Humana Gold Choice H8145-004 (PFFS) with 11 enrollees
PFFS Without Drug Coverage
0

2027 PFFS Medicare Advantage plans in Watauga County, North Carolina (comparison chart)
Plan Name Rating* Premium MOOP Rx Ded. Plan-ID
Humana Gold Choice H8145-004
☆☆☆☆☆
$43 $9,850 $700 H8145-004-0
What is the total number of PFFS plans in Watauga?

In 2027, Watauga has 1 PFFS plans with 11 enrollees.

How much do PFFS plans cost in Watauga?

The typical PFFS premium in Watauga is $43.00, and 0 plans have no monthly premium.

CMS quality ratings for Medicare Advantage plans in Watauga County, NC (2027) are summarized below.

Medicare Advantage Plan Ratings in Watauga County, NC (2027)
Rating Category Number of Plans Percent of Plans
5 Stars No 5-star plans available. 0%
4 Stars (includes 5 Stars) 22 73%
3 Stars 8 27%
Below 3 Stars 0 0%
Not Rated 0 0%
Average Rating 3.9

* CMS assigns Medicare Advantage star ratings annually based on plan quality and performance measures.

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

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.

Secondary Medicare references and explanatory resources.
Publisher Reference Last Accessed
Medicare.gov Understanding Medicare Advantage Plans 25 May, 2025
Medicare.gov Compare Original Medicare & Medicare Advantage 25 May, 2025
NCOA.org 5 Steps to Choosing the Right Medicare Plan for You 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 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.

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