2026 Medicare Advantage Plans in Charlotte County, VA
Last update: . Enrollment data updated: June 13, 2026
Charlotte County, VA has 30 Medicare Advantage plans available in 2026. These include 21 plans with no monthly premium, and roughly 43% 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 Charlotte County, VA. Or explore all Medicare Options available in Charlotte County, VA.
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 21
- Average Monthly Premium $26.64/mo
- Total PPO Enrollment 426
- $0 Premium PPO Plans 14
- Average MOOP $7,669
- Top PPO by Enrollment Humana Value Choice H5216-266 (PPO) — 79 enrollees
- PPO Plans Without Drug Coverage 7
What is the most popular PPO plan in Charlotte?
Humana Value Choice H5216-266 (PPO) is the top PPO in Charlotte, with 79 enrollees.
What is the number of PPO plans without Part D coverage in Charlotte?
There are 7 PPO plans in Charlotte 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
- 3
- Average Monthly Premium
- $5.20/mo
- Total HMO Enrollment
- 12
- $0 Premium HMO Plans
- 2
- Average MOOP
- $8,700
- Top HMO by Enrollment
- Humana Gold Plus H6622-083 (HMO) — 12 enrollees
- HMO Plans Without Drug Coverage
- 0
| Health Plan Name | CMS Rating* | Premium Per Mo | MOOP | PDP Ded. | CMS Plan ID |
|---|---|---|---|---|---|
| Humana Gold Plus H6622-083 | $0 | $8,950 | $350 | H6622-083-0 | |
| Humana Gold Plus H6622-085 | $16 | $9,250 | $615 | H6622-085-0 | |
| Humana Total Complete H6622-091 | $0 | $7,900 | $450 | H6622-091-0 |
What is the typical premium for HMO plans in Charlotte?
HMO plans in Charlotte cost $5.20 per month on average.
Which HMO plan do most beneficiaries choose in Charlotte?
The most popular HMO plan in Charlotte is Humana Gold Plus H6622-083 (HMO), with 12 enrollees.
How many HMO options are offered without prescription drug coverage in Charlotte?
There are 0 HMO plans in Charlotte 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 6
- Average Monthly Premium $6.00/mo
- Total HMO-POS Enrollment 451
- $0 Premium HMO-POS Plans 5
- Average MOOP $6,404
- Top HMO-POS by Enrollment Anthem Medicare Advantage 3 (HMO-POS) — 246 enrollees
- HMO-POS Plans Without Drug Coverage 0
| Health Plan Name | CMS Rating* | Premium Per Mo | MOOP | PDP Ded. | CMS Plan ID |
|---|---|---|---|---|---|
| AARP Medicare Advantage from UHC VA-0011 | $0 | $5,900 | $440 | H5253-111-1 | |
| AARP Medicare Advantage from UHC VA-0012 | $36 | $5,400 | $355 | H5253-112-1 | |
| AARP Medicare Advantage Giveback from UHC VA-13 | $0 | $8,900 | $600 | H5253-119-0 | |
| Anthem Medicare Advantage 3 | $0 | $4,775 | $275 | H3447-050-0 | |
| Humana Gold Plus H5377-002 | $0 | $9,250 | $350 | H5377-002-0 | |
| Aetna Medicare Signature Plus | $0 | $4,200 | $615 | H3931-099-0 |
What is the total number of HMO-POS plans in Charlotte?
In 2026, Charlotte has 6 HMO-POS plans with 451 enrollees.
How much do HMO-POS plans cost in Charlotte?
The typical HMO-POS premium in Charlotte is $6.00, and 5 plans have no monthly premium.
Below is a breakdown of CMS star ratings for Medicare Advantage plans available in Charlotte County, VA for 2026.
| Rating Category | Number of Plans | Percent of Plans |
|---|---|---|
| 5 Stars | No 5-star plans available. | 0% |
| 4 Stars (includes 5 Stars) | 13 | 43% |
| 3 Stars | 17 | 57% |
| Below 3 Stars | 0 | 0% |
| Not Rated | 0 | 0% |
| Average Rating | 3.85 | |
* 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
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
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Data provenance documentation is maintained in alignment with the U.S. Core Data for Interoperability (USCDI) Provenance standard .
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