2026 Medicare Advantage plans in McDowell, NC
49 plans open to everyone with Medicare, 33 Special Needs Plans and 12 stand-alone drug plans. Sorted by star rating, then premium.
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Medicare Advantage plans
| Plan | Monthly premium | Out-of-pocket max | Drug deductible | Star rating |
|---|---|---|---|---|
| Alignment Health Platinum (HMO)Alignment Health Plan · H5296-003-0 · HMO | $0 | $3,900 | $0 | ★★★★★ 5.0 |
| Alignment Health Platinum Select (HMO)Alignment Health Plan · H5296-010-0 · HMO | $0 | $5,900 | $225 | ★★★★★ 5.0 |
| Alignment Health smartHMO (HMO)Alignment Health Plan · H5296-006-0 · HMO | $0 | $3,400 | $615 | ★★★★★ 5.0 |
| Blue Medicare Freedom+ (PPO)Blue Cross and Blue Shield of North Carolina · H3404-004-0 · PPO | $0 | $9,250 | no drug coverage | ★★★★½ 4.5 |
| Aetna Medicare Eagle Giveback (PPO)Aetna Medicare · H5521-241-0 · PPO | $0 | $6,750 | no drug coverage | ★★★★½ 4.5 |
| Humana Gold Plus H1036-335 (HMO-POS)Humana · H1036-335-2 · HMO-POS | $0 | $3,950 | $250 | ★★★★½ 4.5 |
| Aetna Medicare Signature (HMO)Aetna Medicare · H3146-001-0 · HMO | $0 | $5,500 | $615 | ★★★★½ 4.5 |
| Aetna Medicare Signature Giveback (PPO)Aetna Medicare · H5521-348-0 · PPO | $0 | $7,500 | $615 | ★★★★½ 4.5 |
| Aetna Medicare Signature (PPO)Aetna Medicare · H5521-081-0 · PPO | $0 | $5,900 | $500 | ★★★★½ 4.5 |
| Aetna Medicare Value Plus (HMO)Aetna Medicare · H3146-006-0 · HMO | $32.20 | $5,500 | $615 | ★★★★½ 4.5 |
| Blue Medicare PPO Enhanced (PPO)Blue Cross and Blue Shield of North Carolina · H3404-003-2 · PPO | $53 | $6,300 | $100 | ★★★★½ 4.5 |
| AARP Medicare Advantage Access from UHC NC-23 (PPO)UnitedHealthcare · H2001-084-0 · PPO | $255 | $3,000 | $600 | ★★★★½ 4.5 |
| Blue Medicare Medical Only (HMO-POS)Blue Cross and Blue Shield of North Carolina · H3449-012-0 · HMO-POS | $0 | $3,900 | no drug coverage | ★★★★ 4.0 |
| AARP Medicare Advantage Patriot No Rx NC-MA02 (HMO-POS)UnitedHealthcare · H5253-040-0 · HMO-POS | $0 | $7,900 | no drug coverage | ★★★★ 4.0 |
| HealthSpring Courage (HMO)HealthSpring · H9725-005-0 · HMO | $0 | $6,750 | no drug coverage | ★★★★ 4.0 |
| Blue Medicare Essential Plus (HMO-POS)Blue Cross and Blue Shield of North Carolina · H3449-023-2 · HMO-POS | $0 | $5,400 | $615 | ★★★★ 4.0 |
| Blue Medicare Essential (HMO)Blue Cross and Blue Shield of North Carolina · H3449-027-2 · HMO | $0 | $9,250 | $615 | ★★★★ 4.0 |
| AARP Medicare Advantage from UHC NC-24 (HMO-POS)UnitedHealthcare · H5253-185-0 · HMO-POS | $0 | $5,400 | $520 | ★★★★ 4.0 |
| AARP Medicare Advantage Giveback from UHC NC-13 (HMO-POS)UnitedHealthcare · H5253-105-0 · HMO-POS | $0 | $8,900 | $600 | ★★★★ 4.0 |
| AARP Medicare Advantage from UHC NC-0008 (HMO-POS)UnitedHealthcare · H5253-079-0 · HMO-POS | $0 | $6,700 | $520 | ★★★★ 4.0 |
| HealthSpring Preferred (HMO)HealthSpring · H9725-009-2 · HMO | $0 | $3,500 | $295 | ★★★★ 4.0 |
| HealthSpring Preferred Savings (HMO)HealthSpring · H9725-015-2 · HMO | $0 | $6,400 | $0 | ★★★★ 4.0 |
| HealthSpring Preferred Plus (HMO)HealthSpring · H9725-017-2 · HMO | $11 | $3,200 | $200 | ★★★★ 4.0 |
| Blue Medicare Enhanced (HMO-POS)Blue Cross and Blue Shield of North Carolina · H3449-024-2 · HMO-POS | $40 | $4,200 | $100 | ★★★★ 4.0 |
| AARP Medicare Advantage from UHC NC-0009 (HMO-POS)UnitedHealthcare · H5253-080-0 · HMO-POS | $48 | $5,400 | $440 | ★★★★ 4.0 |
| Humana USAA Honor Giveback (Regional PPO)Humana · R0110-006-0 · Regional PPO | $0 | $9,250 | no drug coverage | ★★★½ 3.5 |
| Humana USAA Honor Giveback (PPO)Humana · H5216-343-0 · PPO | $0 | $9,250 | no drug coverage | ★★★½ 3.5 |
| Humana USAA Honor Giveback (PPO)Humana · H5525-065-0 · PPO | $0 | $9,250 | no drug coverage | ★★★½ 3.5 |
| HumanaChoice R0110-004 (Regional PPO)Humana · R0110-004-0 · Regional PPO | $0 | $7,000 | no drug coverage | ★★★½ 3.5 |
| Wellcare Patriot Giveback Open (PPO)Wellcare · H1914-011-0 · PPO | $0 | $8,850 | no drug coverage | ★★★½ 3.5 |
| HumanaChoice Giveback H5216-017 (PPO)Humana · H5216-017-0 · PPO | $0 | $9,250 | $450 | ★★★½ 3.5 |
| Humana Gold Plus H6622-025 (HMO-POS)Humana · H6622-025-0 · HMO-POS | $0 | $9,250 | $350 | ★★★½ 3.5 |
| HumanaChoice H5525-083 (PPO)Humana · H5525-083-0 · PPO | $0 | $9,250 | $450 | ★★★½ 3.5 |
| HumanaChoice H5525-050 (PPO)Humana · H5525-050-0 · PPO | $0 | $9,250 | $350 | ★★★½ 3.5 |
| HumanaChoice Giveback H5525-035 (PPO)Humana · H5525-035-0 · PPO | $0 | $9,250 | $450 | ★★★½ 3.5 |
| Wellcare Simple Open (PPO)Wellcare · H1914-007-0 · PPO | $0 | $4,300 | $615 | ★★★½ 3.5 |
| Wellcare Simple (HMO-POS)Wellcare · H4073-001-0 · HMO-POS | $0 | $4,200 | $615 | ★★★½ 3.5 |
| Wellcare Giveback Open (PPO)Wellcare · H1914-010-0 · PPO | $0 | $8,300 | $615 | ★★★½ 3.5 |
| HumanaChoice H5525-070 (PPO)Humana · H5525-070-0 · PPO | $24 | $9,250 | $615 | ★★★½ 3.5 |
| Wellcare Assist Open (PPO)Wellcare · H1914-009-0 · PPO | $31 | $4,201 | $480 | ★★★½ 3.5 |
| Humana Gold Plus H6622-026 (HMO-POS)Humana · H6622-026-0 · HMO-POS | $34.80 | $9,250 | $350 | ★★★½ 3.5 |
| HumanaChoice H5216-211 (PPO)Humana · H5216-211-0 · PPO | $54 | $9,250 | $615 | ★★★½ 3.5 |
| Humana Full Access R0110-005 (Regional PPO)Humana · R0110-005-0 · Regional PPO | $117 | $9,250 | $615 | ★★★½ 3.5 |
| Troy Medicare (HMO)Troy Medicare · H4676-001-0 · HMO | $0 | $3,950 | $0 | ★★★ 3.0 |
| HealthSpring True Choice (PPO)HealthSpring · H7849-113-2 · PPO | $0 | $4,350 | $615 | ★★★ 3.0 |
| DEVOTED CHOICE MA ONLY 007 NC (PPO)Devoted Health · H9700-007-0 · PPO | $0 | $9,250 | no drug coverage | Plan Too New To Be Measured |
| DEVOTED CHOICE GIVEBACK 006 NC (PPO)Devoted Health · H9700-006-0 · PPO | $0 | $8,000 | $605 | Plan Too New To Be Measured |
| DEVOTED CHOICE 005 NC (PPO)Devoted Health · H9700-005-0 · PPO | $0 | $5,300 | $370 | Plan Too New To Be Measured |
| Alignment Health AVA (PPO)Alignment Health Plan · H7074-001-0 · PPO | $10 | $3,900 | $0 | Not Enough Data Available |
Special Needs Plans
Only for people who have both Medicare and Medicaid, live in an institution, or have certain chronic conditions.
| Plan | Monthly premium | Out-of-pocket max | Drug deductible | Star rating |
|---|---|---|---|---|
| Alignment Health Heart & Diabetes Care (HMO C-SNP)Alignment Health Plan · H5296-011-0 · HMO C-SNP | $0 | $3,400 | $250 | ★★★★★ 5.0 |
| DEVOTED DUAL PLUS 006 NC (HMO D-SNP)Devoted Health · H5299-006-0 · HMO D-SNP | $35 | $9,250 | $615 | ★★★★★ 5.0 |
| DEVOTED DUAL 009 NC (HMO D-SNP)Devoted Health · H5299-009-0 · HMO D-SNP | $36.20 | $6,750 | $615 | ★★★★★ 5.0 |
| DEVOTED DUAL FULL 013 NC (HMO D-SNP)Devoted Health · H5299-013-0 · HMO D-SNP | $36.20 | $9,250 | $615 | ★★★★★ 5.0 |
| DEVOTED C-SNP PLUS 015 NC (HMO C-SNP)Devoted Health · H5299-015-0 · HMO C-SNP | $36.20 | $9,250 | $615 | ★★★★★ 5.0 |
| DEVOTED C-SNP PREMIUM 018 NC (HMO C-SNP)Devoted Health · H5299-018-0 · HMO C-SNP | $36.20 | $5,600 | $615 | ★★★★★ 5.0 |
| Longevity Health Plan (HMO I-SNP)Longevity Health Plan · H5374-001-0 · HMO I-SNP | $36.20 | $9,250 | $615 | ★★★★★ 5.0 |
| Alignment Health Heart & Diabetes NCPlus (HMO-POS C-SNP)Alignment Health Plan · H5296-009-0 · HMO-POS C-SNP | $36.20 | $9,250 | $615 | ★★★★★ 5.0 |
| Alignment Health NC Duals (HMO-POS D-SNP)Alignment Health Plan · H5296-004-0 · HMO-POS D-SNP | $36.20 | $9,250 | $615 | ★★★★★ 5.0 |
| Humana Gold Plus - Diabetes and Heart (HMO C-SNP)Humana · H1036-308-0 · HMO C-SNP | $0 | $9,250 | $450 | ★★★★½ 4.5 |
| Humana Dual Select H1036-307 (HMO D-SNP)Humana · H1036-307-0 · HMO D-SNP | $13 | $9,250 | $615 | ★★★★½ 4.5 |
| Humana Gold Plus SNP-DE H1036-167 (HMO D-SNP)Humana · H1036-167-0 · HMO D-SNP | $14.20 | $9,250 | $615 | ★★★★½ 4.5 |
| Humana Gold Plus SNP-DE H1036-331 (HMO D-SNP)Humana · H1036-331-0 · HMO D-SNP | $20 | $9,250 | $615 | ★★★★½ 4.5 |
| UHC Nursing Home Plan NC-F001 (PPO I-SNP)UnitedHealthcare · H0710-034-0 · PPO I-SNP | $36.20 | $9,250 | $615 | ★★★★½ 4.5 |
| Aetna Medicare Dual (HMO D-SNP)Aetna Medicare · H3146-002-0 · HMO D-SNP | $36.20 | $9,250 | $615 | ★★★★½ 4.5 |
| UHC Complete Care NC-25 (HMO-POS C-SNP)UnitedHealthcare · H5253-186-0 · HMO-POS C-SNP | $0 | $5,400 | $520 | ★★★★ 4.0 |
| HealthSpring TotalCare (HMO D-SNP)HealthSpring · H9725-003-0 · HMO D-SNP | $19.70 | $9,250 | $615 | ★★★★ 4.0 |
| UHC Dual Complete NC-D001 (HMO-POS D-SNP)UnitedHealthcare · H5253-041-0 · HMO-POS D-SNP | $25.30 | $9,250 | $615 | ★★★★ 4.0 |
| HealthSpring TotalCare Plus (HMO D-SNP)HealthSpring · H9725-013-0 · HMO D-SNP | $28.20 | $8,200 | $615 | ★★★★ 4.0 |
| UHC Dual Complete NC-S2 (PPO D-SNP)UnitedHealthcare · H1889-034-0 · PPO D-SNP | $36.20 | $9,250 | $615 | ★★★★ 4.0 |
| UHC Dual Complete NC-S001 (PPO D-SNP)UnitedHealthcare · H1889-005-0 · PPO D-SNP | $36.20 | $9,250 | $615 | ★★★★ 4.0 |
| UHC Dual Complete NC-V001 (HMO-POS D-SNP)UnitedHealthcare · H5253-116-0 · HMO-POS D-SNP | $36.20 | $5,900 | $615 | ★★★★ 4.0 |
| UHC Dual Complete NC-S3 (HMO-POS D-SNP)UnitedHealthcare · H5253-184-0 · HMO-POS D-SNP | $36.20 | $9,250 | $615 | ★★★★ 4.0 |
| Healthy Blue + Medicare (HMO-POS D-SNP)Blue Cross and Blue Shield of North Carolina · H9147-001-0 · HMO-POS D-SNP | $18.70 | $9,250 | $615 | ★★★½ 3.5 |
| Wellcare Dual Liberty Open (PPO D-SNP)Wellcare · H1914-008-0 · PPO D-SNP | $25.80 | $9,250 | $395 | ★★★½ 3.5 |
| Wellcare Dual Reserve (HMO-POS D-SNP)Wellcare · H4073-003-0 · HMO-POS D-SNP | $27.50 | $9,250 | $615 | ★★★½ 3.5 |
| Humana Dual Select H6622-027 (HMO-POS D-SNP)Humana · H6622-027-0 · HMO-POS D-SNP | $29 | $9,250 | $615 | ★★★½ 3.5 |
| HumanaChoice SNP-DE H5525-036 (PPO D-SNP)Humana · H5525-036-0 · PPO D-SNP | $30.40 | $9,250 | $615 | ★★★½ 3.5 |
| Wellcare Dual Access (HMO-POS D-SNP)Wellcare · H4073-002-0 · HMO-POS D-SNP | $32.20 | $9,250 | $385 | ★★★½ 3.5 |
| Humana Dual Select H5525-072 (PPO D-SNP)Humana · H5525-072-0 · PPO D-SNP | $33.50 | $9,250 | $615 | ★★★½ 3.5 |
| Wellcare Dual Liberty (HMO-POS D-SNP)Wellcare · H4073-004-0 · HMO-POS D-SNP | $36.20 | $9,250 | $425 | ★★★½ 3.5 |
| Troy Medicare for Dual-eligible Beneficiaries (HMO D-SNP)Troy Medicare · H4676-002-0 · HMO D-SNP | $31.30 | $9,250 | $615 | ★★★ 3.0 |
| AmeriHealth Caritas VIP Care (HMO D-SNP)AmeriHealth Caritas VIP Care · H8212-001-0 · HMO D-SNP | $36.20 | $9,250 | $615 | Plan Too New To Be Measured |
Prescription drug plans (Part D)
| Plan | Monthly premium | Out-of-pocket max | Drug deductible | Star rating |
|---|---|---|---|---|
| Wellcare Value Script (PDP)Wellcare · S4802-143-0 · Part D | $3.60 | – | $615 | ★★★½ 3.5Part D rating |
| Wellcare Classic (PDP)Wellcare · S4802-081-0 · Part D | $4.70 | – | $615 | ★★★½ 3.5Part D rating |
| Humana Basic Rx Plan (PDP)Humana · S5884-133-0 · Part D | $6.80 | – | $615 | ★★★ 3.0Part D rating |
| Humana Value Rx Plan (PDP)Humana · S5884-187-0 · Part D | $32 | – | $601 | ★★★ 3.0Part D rating |
| AARP Medicare Rx Saver from UHC (PDP)UnitedHealthcare · S5921-353-0 · Part D | $56.90 | – | $615 | ★★ 2.0Part D rating |
| HealthSpring Extra Rx (PDP)HealthSpring · S5617-358-0 · Part D | $78 | – | $615 | ★★½ 2.5Part D rating |
| Blue Medicare Rx Standard (PDP)Blue Cross and Blue Shield of North Carolina · S5540-002-0 · Part D | $83.90 | – | $615 | ★★★ 3.0Part D rating |
| SilverScript Choice (PDP)Aetna Medicare · S5601-016-0 · Part D | $90.20 | – | $615 | ★★★ 3.0Part D rating |
| HealthSpring Assurance Rx (PDP)HealthSpring · S5617-217-0 · Part D | $110.40 | – | $615 | ★★½ 2.5Part D rating |
| Humana Premier Rx Plan (PDP)Humana · S5884-154-0 · Part D | $110.90 | – | $0 | ★★★ 3.0Part D rating |
| AARP Medicare Rx Preferred from UHC (PDP)UnitedHealthcare · S5921-390-0 · Part D | $119.80 | – | $130 | ★★ 2.0Part D rating |
| Blue Medicare Rx Enhanced (PDP)Blue Cross and Blue Shield of North Carolina · S5540-004-0 · Part D | $163.20 | – | $0 | ★★★ 3.0Part D rating |
Questions and answers
How many Medicare Advantage plans are available in McDowell, NC for 2026?
82 Medicare Advantage and Special Needs plans are offered in McDowell, NC for 2026, plus 12 stand-alone Part D prescription drug plans available statewide.
Are there $0 premium Medicare Advantage plans in McDowell, NC?
Yes – 26 plans open to everyone with Medicare charge no monthly plan premium (you still pay the Part B premium).
Which plans in McDowell, NC have the highest star ratings?
Alignment Health Platinum (HMO) (5.0 stars); Alignment Health Platinum Select (HMO) (5.0 stars); Alignment Health smartHMO (HMO) (5.0 stars); Blue Medicare Freedom+ (PPO) (4.5 stars).