2027 plan year · North Carolina
2027 Medicare Advantage plans in Carteret County, NC
20 plans from 4 insurers for 2027. 8 general plans have a $0 monthly premium. The lowest in-network out-of-pocket limit is $3,900.
- 11general plans
- 8$0-premium plans
- $3,900lowest out-of-pocket max
- 4.5 ★top star rating
- 9Special Needs Plans
2027 Medicare Advantage plans in Carteret County, NC
Sorted by Medicare star rating, then monthly premium and out-of-pocket limit. Premiums shown are the plan's own premium; you also keep paying your Part B premium.
| Plan | Monthly premium | Out-of-pocket max | Drug deductible | Star rating |
|---|---|---|---|---|
| AARP Medicare Advantage from UHC NC-0001 (PPO) UnitedHealthcare · PPO · includes drug coverage | $0 | $7,150 | $685 | ★★★★★4.5 |
| Blue Medicare Freedom+ (PPO) Blue Cross and Blue Shield of North Carolina · PPO · no drug coverage | $0 | $9,850 | — | ★★★★★4.5 |
| AARP Medicare Advantage from UHC NC-0004 (PPO) UnitedHealthcare · PPO · includes drug coverage | $34 | $6,900 | $685 | ★★★★★4.5 |
| Blue Medicare Medical Only (HMO-POS) Blue Cross and Blue Shield of North Carolina · HMO-POS · no drug coverage | $0 | $3,900 | — | ★★★★★4 |
| AARP Medicare Advantage from UHC NC-26 (HMO-POS) UnitedHealthcare · HMO-POS · includes drug coverage | $0 | $5,900 | $685 | ★★★★★4 |
| Blue Medicare Essential Plus (HMO-POS) Blue Cross and Blue Shield of North Carolina · HMO-POS · includes drug coverage | $0 | $8,400 | $700 | ★★★★★4 |
| Blue Medicare Essential (HMO) Blue Cross and Blue Shield of North Carolina · HMO · includes drug coverage | $0 | $9,850 | $700 | ★★★★★4 |
| Blue Medicare Enhanced (HMO-POS) Blue Cross and Blue Shield of North Carolina · HMO-POS · includes drug coverage | $50 | $4,900 | $700 | ★★★★★4 |
| HumanaChoice R0110-004 (Regional PPO) Humana · Regional PPO · no drug coverage | $0 | $9,850 | — | ★★★★★3.5 |
| Humana USAA Honor Giveback (Regional PPO) Humana · Regional PPO · no drug coverage | $0 | $9,850 | — | ★★★★★3.5 |
| Humana Full Access (Regional PPO) Humana · Regional PPO · includes drug coverage | $158 | $9,850 | $700 | ★★★★★3.5 |
Special Needs Plans (SNPs)
Only for people who qualify: Dual-Eligible plans need both Medicare and Medicaid, Chronic Condition plans need a qualifying condition, and Institutional plans are for nursing home residents.
| Plan | Monthly premium | Out-of-pocket max | Drug deductible | Star rating |
|---|---|---|---|---|
| UHC Complete Care NC-27 (HMO-POS C-SNP) UnitedHealthcare · HMO-POS C-SNP (Special Needs: Chronic or Disabling Condition) · includes drug coverage | $0 | $5,900 | $685 | ★★★★★4 |
| UHC Dual Complete NC-Q2 (HMO-POS D-SNP) UnitedHealthcare · HMO-POS D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $0 | $9,850 | $700 | ★★★★★4 |
| UHC Dual Complete NC-S3 (HMO-POS D-SNP) UnitedHealthcare · HMO-POS D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $3.80 | $9,850 | $700 | ★★★★★4 |
| UHC Dual Advantage NC-V1 (HMO-POS D-SNP) UnitedHealthcare · HMO-POS D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $13.30 | $5,900 | $700 | ★★★★★4 |
| UHC Dual Complete NC-Q1 (PPO D-SNP) UnitedHealthcare · PPO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $0 | $9,850 | $700 | ★★★★★3.5 |
| UHC Dual Complete NC-S2 (PPO D-SNP) UnitedHealthcare · PPO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $0 | $9,850 | $700 | ★★★★★3.5 |
| Healthy Blue + Medicare (HMO-POS D-SNP) Blue Cross and Blue Shield of North Carolina · HMO-POS D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $13.20 | $9,850 | $700 | ★★★★★3 |
| PruittHealth Premier (HMO I-SNP) PruittHealth Premier · HMO I-SNP (Special Needs: Institutional) · includes drug coverage | $0 | $5,900 | $350 | Not enough data available |
| PruittHealth Premier (HMO I-SNP) PruittHealth Premier · HMO I-SNP (Special Needs: Institutional) · includes drug coverage | $13.30 | $9,850 | $700 | Not enough data available |
What changed from 2026 to 2027
- 3 plans are new here for 2027.
- 3 plans offered here in 2026 aren't listed for 2027 (for example AARP Medicare Advantage Access from UHC NC-23 (PPO), UHC Dual Complete NC-D001 (HMO-POS D-SNP), UHC Dual Complete NC-S3 (HMO-POS D-SNP)). If yours is one of them, the plan should send you a notice explaining your options.
- Of the 17 plans offered both years, 3 raised the monthly premium and 5 lowered it.
Compared by plan ID. Plans that were renamed or merged into another plan may appear as new or ended.
Care quality in Carteret County
Medicare Advantage plans use networks. Before choosing, check that the hospitals and nursing homes you'd want are in the plan's network, and how they're rated.
Other coverage options
- Stand-alone Part D drug plans in North Carolina (for people with Original Medicare)
- Marketplace health plans in Carteret County (for people under 65 or not on Medicare)
- Medicare Advantage vs. Original Medicare
Frequently asked questions
How many Medicare Advantage plans are available in Carteret County, NC for 2027?
20 plans from 4 insurers: 11 general plans open to anyone with Medicare Parts A and B who lives here, plus 9 Special Needs Plans for people who qualify.
Are there $0-premium Medicare Advantage plans in Carteret County, NC?
Yes. 8 general plans have a $0 monthly plan premium for 2027. You still pay your Medicare Part B premium, and copays and coinsurance still apply.
What is the highest-rated Medicare Advantage plan in Carteret County, NC?
AARP Medicare Advantage from UHC NC-0001 (PPO) from UnitedHealthcare has the top Medicare star rating here (4.5 stars). Star ratings are given to the insurer's contract, so several plans can share one.
Which plan has the lowest out-of-pocket maximum in Carteret County, NC?
Blue Medicare Medical Only (HMO-POS) caps in-network out-of-pocket costs at $3,900 for 2027.