2027 plan year · North Carolina
2027 Medicare Advantage plans in Madison County, NC
69 plans from 7 insurers for 2027. 32 general plans have a $0 monthly premium. The lowest in-network out-of-pocket limit is $3,400.
- 42general plans
- 32$0-premium plans
- $3,400lowest out-of-pocket max
- 4.5 ★top star rating
- 27Special Needs Plans
2027 Medicare Advantage plans in Madison 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 |
|---|---|---|---|---|
| Alignment Health Smart 006 (HMO) Alignment Health Plan · HMO · includes drug coverage | $0 | $3,400 | $700 | ★★★★★4.5 |
| Humana Gold Plus H1036-335 (HMO-POS) Humana · HMO-POS · includes drug coverage | $0 | $3,950 | $700 | ★★★★★4.5 |
| Alignment Health Platinum 010 (HMO) Alignment Health Plan · HMO · includes drug coverage | $0 | $4,300 | $225 | ★★★★★4.5 |
| DEVOTED CORE 029 NC (HMO) Devoted Health · HMO · includes drug coverage | $0 | $4,950 | $650 | ★★★★★4.5 |
| DEVOTED GIVEBACK EXTRAS 044 NC (HMO) Devoted Health · HMO · includes drug coverage | $0 | $7,150 | $700 | ★★★★★4.5 |
| Blue Medicare Freedom+ (PPO) Blue Cross and Blue Shield of North Carolina · PPO · no drug coverage | $0 | $9,850 | — | ★★★★★4.5 |
| DEVOTED GIVEBACK 030 NC (HMO) Devoted Health · HMO · includes drug coverage | $0 | $9,850 | $650 | ★★★★★4.5 |
| Humana Gold Plus Giveback H1036-343 (HMO-POS) Humana · HMO-POS · includes drug coverage | $0 | $9,850 | $700 | ★★★★★4.5 |
| Humana Gold Plus H1036-137 (HMO-POS) Humana · HMO-POS · includes drug coverage | $0 | $9,850 | $450 | ★★★★★4.5 |
| HumanaChoice H7617-122 (PPO) Humana · PPO · includes drug coverage | $13 | $9,850 | $700 | ★★★★★4.5 |
| Blue Medicare PPO Enhanced (PPO) Blue Cross and Blue Shield of North Carolina · PPO · includes drug coverage | $70 | $6,900 | $700 | ★★★★★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 |
| DEVOTED CHOICE 005 NC (PPO) Devoted Health · PPO · includes drug coverage | $0 | $5,300 | $650 | ★★★★★4 |
| Blue Medicare Essential Plus (HMO-POS) Blue Cross and Blue Shield of North Carolina · HMO-POS · includes drug coverage | $0 | $7,000 | $700 | ★★★★★4 |
| AARP Medicare Advantage from UHC NC-24 (HMO-POS) UnitedHealthcare · HMO-POS · includes drug coverage | $0 | $7,150 | $685 | ★★★★★4 |
| Aetna Medicare Eagle (PPO) Aetna Medicare · PPO · no drug coverage | $0 | $7,150 | — | ★★★★★4 |
| Aetna Medicare Signature Giveback (PPO) Aetna Medicare · PPO · includes drug coverage | $0 | $7,500 | $700 | ★★★★★4 |
| DEVOTED CHOICE MA ONLY 007 NC (PPO) Devoted Health · PPO · no drug coverage | $0 | $9,250 | — | ★★★★★4 |
| AARP Medicare Advantage Giveback from UHC NC-13 (HMO-POS) UnitedHealthcare · HMO-POS · includes drug coverage | $0 | $9,300 | $685 | ★★★★★4 |
| AARP Medicare Advantage Patriot No Rx NC-MA02 (HMO-POS) UnitedHealthcare · HMO-POS · no drug coverage | $0 | $9,300 | — | ★★★★★4 |
| Aetna Medicare Signature (PPO) Aetna Medicare · PPO · includes drug coverage | $0 | $9,850 | $700 | ★★★★★4 |
| Blue Medicare Essential (HMO) Blue Cross and Blue Shield of North Carolina · HMO · includes drug coverage | $0 | $9,850 | $700 | ★★★★★4 |
| DEVOTED CHOICE GIVEBACK 006 NC (PPO) Devoted Health · PPO · includes drug coverage | $0 | $9,850 | $465 | ★★★★★4 |
| HumanaChoice Giveback H5216-017 (PPO) Humana · PPO · includes drug coverage | $0 | $9,850 | $700 | ★★★★★4 |
| HumanaChoice Giveback H5525-035 (PPO) Humana · PPO · includes drug coverage | $0 | $9,850 | $700 | ★★★★★4 |
| Humana USAA Honor Giveback (PPO) Humana · PPO · no drug coverage | $0 | $9,850 | — | ★★★★★4 |
| Humana USAA Honor Giveback (PPO) Humana · PPO · no drug coverage | $0 | $9,850 | — | ★★★★★4 |
| HumanaChoice H5525-070 (PPO) Humana · PPO · includes drug coverage | $13.30 | $9,850 | $700 | ★★★★★4 |
| Humana Gold Plus H6622-026 (HMO-POS) Humana · HMO-POS · includes drug coverage | $13.30 | $9,850 | $450 | ★★★★★4 |
| Humana Gold Choice H8145-004 (PFFS) Humana · PFFS · includes drug coverage | $43 | $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 |
| AARP Medicare Advantage from UHC NC-0009 (HMO-POS) UnitedHealthcare · HMO-POS · includes drug coverage | $57 | $5,900 | $595 | ★★★★★4 |
| HumanaChoice H5216-211 (PPO) Humana · PPO · includes drug coverage | $67 | $9,850 | $700 | ★★★★★4 |
| Aetna Medicare Value Plus (HMO) Aetna Medicare · HMO · includes drug coverage | $0 | $5,500 | $400 | ★★★★★3.5 |
| Wellcare Simple (HMO-POS) Wellcare · HMO-POS · includes drug coverage | $0 | $6,700 | $700 | ★★★★★3.5 |
| 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 |
| Wellcare Assist Open (PPO) Wellcare · PPO · includes drug coverage | $0 | $6,500 | $700 | ★★★★★3 |
| Wellcare Simple Open (PPO) Wellcare · PPO · includes drug coverage | $0 | $7,150 | $700 | ★★★★★3 |
| Wellcare Patriot Giveback Open (PPO) Wellcare · PPO · no drug coverage | $0 | $8,850 | — | ★★★★★3 |
| Alignment Health AVA 001 (PPO) Alignment Health Plan · PPO · includes drug coverage | $20 | $3,900 | $0 | Not enough data available |
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 |
|---|---|---|---|---|
| Alignment Health Heart & Diabetes 011 (HMO C-SNP) Alignment Health Plan · HMO C-SNP (Special Needs: Chronic or Disabling Condition) · includes drug coverage | $0 | $3,400 | $250 | ★★★★★4.5 |
| DEVOTED C-SNP ENHANCED 018 NC (HMO C-SNP) Devoted Health · HMO C-SNP (Special Needs: Chronic or Disabling Condition) · includes drug coverage | $0 | $5,600 | $461 | ★★★★★4.5 |
| DEVOTED DUAL 009 NC (HMO D-SNP) Devoted Health · HMO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $0 | $6,750 | $700 | ★★★★★4.5 |
| DEVOTED C-SNP GIVEBACK EXTRAS 034 NC (HMO C-SNP) Devoted Health · HMO C-SNP (Special Needs: Chronic or Disabling Condition) · includes drug coverage | $0 | $7,150 | $700 | ★★★★★4.5 |
| DEVOTED C-SNP PLUS 015 NC (HMO C-SNP) Devoted Health · HMO C-SNP (Special Needs: Chronic or Disabling Condition) · includes drug coverage | $0 | $9,850 | $461 | ★★★★★4.5 |
| DEVOTED DUAL FULL 013 NC (HMO D-SNP) Devoted Health · HMO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $0 | $9,850 | $700 | ★★★★★4.5 |
| DEVOTED DUAL PLUS 006 NC (HMO D-SNP) Devoted Health · HMO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $0 | $9,850 | $700 | ★★★★★4.5 |
| Humana Dual Select H1036-307 (HMO D-SNP) Humana · HMO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $0 | $9,850 | $200 | ★★★★★4.5 |
| Humana Gold Plus - Diabetes and Heart (HMO C-SNP) Humana · HMO C-SNP (Special Needs: Chronic or Disabling Condition) · includes drug coverage | $0 | $9,850 | $550 | ★★★★★4.5 |
| Humana Gold Plus SNP-DE H1036-167 (HMO D-SNP) Humana · HMO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $0 | $9,850 | $0 | ★★★★★4.5 |
| Humana Gold Plus SNP-DE H1036-331 (HMO D-SNP) Humana · HMO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $0 | $9,850 | $700 | ★★★★★4.5 |
| Alignment Health Heart & Diabetes Plus 009 (HMO-POS C-SNP) Alignment Health Plan · HMO-POS C-SNP (Special Needs: Chronic or Disabling Condition) · includes drug coverage | $4.80 | $9,850 | $700 | ★★★★★4.5 |
| Alignment Health Duals+ 004 (HMO-POS D-SNP) Alignment Health Plan · HMO-POS D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $13.30 | $9,850 | $700 | ★★★★★4.5 |
| UHC Complete Care NC-25 (HMO-POS C-SNP) UnitedHealthcare · HMO-POS C-SNP (Special Needs: Chronic or Disabling Condition) · includes drug coverage | $0 | $6,400 | $685 | ★★★★★4 |
| HumanaChoice SNP-DE H5525-036 (PPO D-SNP) Humana · PPO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $0 | $9,850 | $550 | ★★★★★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 |
| Humana Dual Select H6622-027 (HMO-POS D-SNP) Humana · HMO-POS D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $4.10 | $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 |
| Humana Dual Select H5525-072 (PPO D-SNP) Humana · PPO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $13.30 | $9,850 | $700 | ★★★★★4 |
| Aetna Medicare Full Dual (HMO D-SNP) Aetna Medicare · HMO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $0 | $9,850 | $700 | ★★★★★3.5 |
| 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 |
| Wellcare Carolina Complete Dual Liberty (HMO-POS D-SNP) Wellcare · HMO-POS D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $0 | $9,850 | $700 | ★★★★★3.5 |
| Wellcare Carolina Complete Dual Reserve (HMO-POS D-SNP) Wellcare · HMO-POS D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $13.30 | $9,250 | $700 | ★★★★★3.5 |
| Wellcare Carolina Complete Dual Liberty Open (PPO D-SNP) Wellcare · PPO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $0 | $9,850 | $700 | ★★★★★3 |
| 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 |
What changed from 2026 to 2027
- 9 plans are new here for 2027.
- 16 plans offered here in 2026 aren't listed for 2027 (for example Wellcare Giveback Open (PPO), AARP Medicare Advantage Access from UHC NC-23 (PPO), Wellcare Dual Access (HMO-POS D-SNP)). If yours is one of them, the plan should send you a notice explaining your options.
- Of the 60 plans offered both years, 7 raised the monthly premium and 25 lowered it.
Compared by plan ID. Plans that were renamed or merged into another plan may appear as new or ended.
Care quality in Madison 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 Madison 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 Madison County, NC for 2027?
69 plans from 7 insurers: 42 general plans open to anyone with Medicare Parts A and B who lives here, plus 27 Special Needs Plans for people who qualify.
Are there $0-premium Medicare Advantage plans in Madison County, NC?
Yes. 32 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 Madison County, NC?
Alignment Health Smart 006 (HMO) from Alignment Health Plan 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 Madison County, NC?
Alignment Health Smart 006 (HMO) caps in-network out-of-pocket costs at $3,400 for 2027.