Medicare Advantage HMO plans in North Carolina
There are 122 Medicare Advantage HMO plans in North Carolina from 16 carriers, averaging 4.03 out of 5 stars across the 116 plans CMS has rated. 77% of those with a published premium charge $0 a month (95 of 122); beyond the premium, what separates them is network, drug coverage and how much you could owe in a bad year.
Across the 122 HMO plans in North Carolina that publish one, the in-network out-of-pocket maximum has a median of $6,900 and tops out at $9,850 — the ceiling on what you pay in a year for covered in-network care. The mean is $7,304, which sits above the median — the spread is not symmetric, so the median is the better guide.
North Carolina has 1 five-star Medicare Advantage HMO plan.
Of the 122 HMO plans here, 1 carry CMS's top overall rating of 5 stars and 85 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.
43% of North Carolina's HMO plans are Special Needs Plans.
53 of 122 plans here are SNPs — restricted to people who also have Medicaid, live in an institution, or have a qualifying chronic condition. If none of those apply to you the field is smaller than the headline count suggests, so filter them out before comparing.
Not sure whether Medicare Advantage suits you at all? Medicare Advantage vs Original Medicare covers the trade in plain language.
Top-rated HMO plans in North Carolina
| Plan | Stars | Out-of-pocket max | Premium / mo |
|---|---|---|---|
| Longevity Health Plan (HMO I-SNP)Longevity Health Plan · Institutional SNP | 5★ | $9,850 | $13.30 |
| Alignment Health Heart & Diabetes 011 (HMO C-SNP)Alignment Health Plan · Chronic or Disabling Condition SNP | 4.5★ | $3,400 | $0 |
| Alignment Health Smart 006 (HMO)Alignment Health Plan | 4.5★ | $3,400 | $0 |
| Alignment Health Platinum 012 (HMO)Alignment Health Plan | 4.5★ | $3,500 | $0 |
| Humana Gold Plus H1036-335 (HMO-POS)Humana | 4.5★ | $3,950 | $0 |
Showing 5 of 122. See all North CarolinaMedicare Advantage plans →
HMO plans by carrier
| Carrier | Plans | Avg stars | SNPs |
|---|---|---|---|
| Devoted HealthDevoted Health, Inc. | 28 | 4.5 | 13 |
| UnitedHealthcareUnitedHealth Group, Inc. | 20 | 4.0 | 8 |
| HumanaHumana Inc. | 16 | 4.3 | 5 |
| Aetna MedicareCVS Health Corporation | 12 | 3.5 | 5 |
| Blue Cross and Blue Shield of North CarolinaCuraCor Solutions Corp. | 11 | 3.9 | 1 |
| HealthSpringHealth Care Service Corporation | 10 | 3.0 | 3 |
| Alignment Health PlanAlignment Healthcare USA, LLC | 7 | 4.5 | 3 |
| Liberty Medicare AdvantageLiberty Healthcare Insurance | 3 | 3.5 | 3 |
| Provider Partners Health PlansRifkin Managed Care Holding, LLC | 3 | — | 3 |
| WellcareCentene Corporation | 3 | 3.5 | 2 |
| NHC AdvantageMissouri Healthcare Advisors, LLC | 2 | 4.5 | 2 |
| PruittHealth PremierUNICO Services, Inc. | 2 | — | 2 |
How HMO compares
States with similar HMO star ratings
North Carolina Medicare Advantage HMO plans, answered
How much do Medicare Advantage HMO plans cost in North Carolina?
What are the star ratings for North Carolina HMO plans?
How many Medicare Advantage HMO plans are available in North Carolina?
Do North Carolina HMO plans include prescription drug coverage?
What is a Special Needs Plan, and are there any in North Carolina?
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