Medicare Advantage plans in North Carolina
North Carolina has 186 Medicare Advantage plans from 16 carriers, averaging 4.13 out of 5 stars across the 164 plans CMS has rated. The first real decision is HMO or PPO — how far you can go outside the plan’s network, and what that freedom costs.
North Carolina has 22 five-star Medicare Advantage HMO plans.
Of the 119 HMO plans here, 22 carry CMS's top overall rating of 5 stars and 97 rate 4 or above. That matters beyond quality: a 5-star plan can be joined at almost any point in the year through a special enrollment period, rather than only during the autumn window.
HMO and PPO in North Carolina, compared
Other Medicare coverage
Every figure on this page covers HMO and PPO plans. A small number of PFFS and Cost plans are sold in some states and are not included above — there are too few nationally (71 across 17 states) to compare meaningfully. Standalone Part D drug plans and PACE programmes are different products entirely and are not Medicare Advantage; you can find any available on the full North Carolina plan list. North Carolina has 22 five-star plans, which can be joined outside the normal enrolment window.
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Stars are one signal.
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