Best North Carolina Medicare Advantage Plans

Based on the Centers for Medicare & Medicaid Services (CMS) five-star rating system, MoneyGeek found the best Medicare Advantage Plans that are widely available in North Carolina. When determining the best health insurance plan for you, MoneyGeek examined a variety of factors, including the type of plan you want, whether you need drug coverage and how much you're willing to pay out of pocket.

Note that these are just guidelines. The only way to pick the ideal plan for your needs is to do some research. It is essential to confirm if the hospitals and providers you want to use are included in the insurance plan that you intend to buy.

MoneyGeek also analyzed the best medicare supplement plans in North Carolina for those focused on covering out-of-pocket expenses.

The best Medicare Advantage plan for you will be based on your individual requirements. The six core benefits and a high star rating from the Centers for Medicare & Medicaid Services (CMS) are important considerations for a North Carolina Medicare Advantage plan buyer. When it comes to Medicare Advantage Plans, MoneyGeek rated the Aetna Medicare Premier Plan (PPO) from Aetna Medicare as the best option in North Carolina.

Preferred Provider Organization (PPO) plans offer several benefits, including more flexibility, no referral requirement to visit a specialist plus a larger network.

The best HMO Medicare Advantage Plan in North Carolina for you will be determined by your healthcare requirements. For example, AARP Medicare Advantage Plan 2 (HMO-POS) from UnitedHealthcare is MoneyGeek’s top choice for a buyer in North Carolina seeking an HMO plan that includes drug coverage, six core benefits and a high CMS star rating.

HMOs are more likely to be less expensive than other plan types. However, to get coverage, you must remain within your network. The only exception is in the case of an emergency. To visit a specialist, you'll also need a referral.

If you don't require Part D prescription drug coverage, you'll have more healthcare plan options.

According to MoneyGeek’s research, the AARP Medicare Advantage Patriot (HMO-POS) plan from UnitedHealthcare could be the best option for North Carolinians looking for a Medicare Advantage plan without drug coverage, six core benefits and an excellent CMS star rating.

Despite the fact that many Medicare Advantage plans offer low or no premiums, paying out-of-pocket may lead to higher costs in certain cases. To prevent this, look for a plan with a low in-network maximum out-of-pocket expense limit.

MoneyGeek found that North Carolina residents shopping for a Medicare Advantage plan with a low maximum out-of-pocket limit, drug coverage, six core benefits and a high star rating from the Centers for Medicare and Medicaid Services (CMS) should consider Aetna Medicare Premier Plan (PPO) from Aetna Medicare.

In North Carolina, Medicare Advantage plans are offered by fifteen different healthcare organizations. The following information includes plan types, common benefits and uncommon benefits.

MoneyGeek collected data from the Centers for Medicare & Medicaid Services 2022 MA Landscape Source Files released in October 2021. Plans in North Carolina were filtered down to those that offer drug coverage (unless otherwise noted), offer six of the most common Medicare Advantage coverage benefits and are available to at least 50% of the population of North Carolina based on county availability.