North Carolina › Swain County
Medicare plans in Swain County, North Carolina
2026 plans. Other years: 2026 · 2027
Where to start
This page lists every Medicare plan sold in Swain County for 2026, sorted from the lowest cost each month. They're in four tables below, by the kind of coverage. Jump to the one that fits you. Under each table, Compare these plans opens the same plans in our plan list, where you can add your prescriptions, narrow the list and compare plans side by side.
- Medicare Advantage with drug coverage (27 plans)
- Part D drug plans (12 plans)
- Special needs plans (25 plans)
- Medicare Advantage without drug coverage (10 plans)
- Medigap (Medicare Supplement) prices
Not sure which you need? Most people choose either a Medicare Advantage plan, which usually includes drug coverage, or Original Medicare with a Part D drug plan and often a Medigap policy to pay what Medicare leaves.
What would these plans cost you? Try the calculator → It's set to Swain County. Add your age, health and drugs to see what each kind of plan would cost you next year and over the years ahead.
The best plan here for…
- A low monthly premium
- Money back on your Part B premium
- The lowest cost in a bad year
- Dental coverage
- A high star rating
- Seeing doctors outside a network
- The lowest-priced Medigap Plan G
No plan is best for everyone, so we pick one for each of these and explain why. All our picks in Swain County
At a glance
- 37 Medicare Advantage plans are open to anyone with Medicare here; 27 charge no monthly premium.
- 18 give back part of your Part B premium, up to $184.70 a month.
- The lowest yearly limit on what you pay for in-network care is $3,000.
- 12 Part D drug plans, from $3.60 to $163.20 a month.
Medicare Advantage plans with drug coverage 27
Medical and drug coverage in one plan, open to anyone with Medicare who lives here. This is what most people mean by a Medicare Advantage plan.
| Plan | Network | Premium | Out-of-pocket limit | Stars |
|---|---|---|---|---|
| DEVOTED CHOICE GIVEBACK 006 NC (PPO) Devoted Health · H9700-006-000 | PPO | $0/moGives back $174.80/mo of your Part B premium | $8,000 | Not yet rated |
| HumanaChoice Giveback H5525-035 (PPO) Humana · H5525-035-000 | PPO | $0/moGives back $117/mo of your Part B premium | $9,250 | 3.5★ |
| Wellcare Giveback Open (PPO) Wellcare · H1914-010-000 | PPO | $0/moGives back $101/mo of your Part B premium | $8,300 | 3.5★ |
| HumanaChoice Giveback H5216-017 (PPO) Humana · H5216-017-000 | PPO | $0/moGives back $94/mo of your Part B premium | $9,250 | 3.5★ |
| Blue Medicare Essential (HMO) Blue Cross and Blue Shield of North Carolina · H3449-027-002 | HMO | $0/moGives back $62.50/mo of your Part B premium | $9,250 | 4.0★ |
| AARP Medicare Advantage Giveback from UHC NC-13 (HMO-POS) UnitedHealthcare · H5253-105-000 | HMO-POS | $0/moGives back $50/mo of your Part B premium | $8,900 | 4.0★ |
| Aetna Medicare Signature Giveback (PPO) Aetna Medicare · H5521-348-000 | PPO | $0/moGives back $30/mo of your Part B premium | $7,500 | 4.5★ |
| HumanaChoice H5525-050 (PPO) Humana · H5525-050-000 | PPO | $0/moGives back $1/mo of your Part B premium | $9,250 | 3.5★ |
| Wellcare Simple Open (PPO) Wellcare · H1914-007-000 | PPO | $0/mo | $4,300 | 3.5★ |
| Blue Medicare Essential Plus (HMO-POS) Blue Cross and Blue Shield of North Carolina · H3449-023-005 | HMO-POS | $0/mo | $7,450 | 4.0★ |
| Wellcare Simple (HMO-POS) Wellcare · H4073-001-000 | HMO-POS | $0/mo | $4,200 | 3.5★ |
| Troy Medicare (HMO) Troy Medicare · H4676-001-000 | HMO | $0/mo | $3,950 | 3.0★ |
| AARP Medicare Advantage from UHC NC-0008 (HMO-POS) UnitedHealthcare · H5253-079-000 | HMO-POS | $0/mo | $6,700 | 4.0★ |
| AARP Medicare Advantage from UHC NC-24 (HMO-POS) UnitedHealthcare · H5253-185-000 | HMO-POS | $0/mo | $5,400 | 4.0★ |
| Aetna Medicare Signature (PPO) Aetna Medicare · H5521-236-000 | PPO | $0/mo | $6,750 | 4.5★ |
| HumanaChoice H5525-083 (PPO) Humana · H5525-083-000 | PPO | $0/mo | $9,250 | 3.5★ |
| DEVOTED CHOICE 005 NC (PPO) Devoted Health · H9700-005-000 | PPO | $0/mo | $5,300 | Not yet rated |
| HumanaChoice H5525-070 (PPO) Humana · H5525-070-000 | PPO | $24/mo | $9,250 | 3.5★ |
| Wellcare Assist Open (PPO) Wellcare · H1914-009-000 | PPO | $31/moGives back $1/mo of your Part B premium | $4,201 | 3.5★ |
| Aetna Medicare Value Plus (HMO) Aetna Medicare · H3146-006-000 | HMO | $32.20/mo | $5,500 | 4.5★ |
| Humana Gold Plus H6622-026 (HMO-POS) Humana · H6622-026-000 | HMO-POS | $34.80/mo | $9,250 | 3.5★ |
| Blue Medicare Enhanced (HMO-POS) Blue Cross and Blue Shield of North Carolina · H3449-024-003 | HMO-POS | $47/mo | $4,200 | 4.0★ |
| AARP Medicare Advantage from UHC NC-0009 (HMO-POS) UnitedHealthcare · H5253-080-000 | HMO-POS | $48/mo | $5,400 | 4.0★ |
| Blue Medicare PPO Enhanced (PPO) Blue Cross and Blue Shield of North Carolina · H3404-003-002 | PPO | $53/mo | $6,300 | 4.5★ |
| HumanaChoice H5216-211 (PPO) Humana · H5216-211-000 | PPO | $54/mo | $9,250 | 3.5★ |
| Humana Full Access R0110-005 (Regional PPO) Humana · R0110-005-000 | Regional PPO | $117/mo | $9,250 | 3.5★ |
| AARP Medicare Advantage Access from UHC NC-23 (PPO) UnitedHealthcare · H2001-084-000 | PPO | $255/mo | $3,000 | 4.5★ |
Part D drug plans 12
Standalone drug coverage, for people who keep Original Medicare (often with a Medigap policy). Drug plans are sold for a whole region, so the same plans are sold throughout North Carolina.
| Plan | Premium | Drug deductible | Stars |
|---|---|---|---|
| Wellcare Value Script (PDP) Wellcare · S4802-143-000 | $3.60/mo | $615 | 3.5★ |
| Wellcare Classic (PDP) Wellcare · S4802-081-000 | $4.70/mo | $615 | 3.5★ |
| Humana Basic Rx Plan (PDP) Humana · S5884-133-000 | $6.80/mo | $615 | 3★ |
| Humana Value Rx Plan (PDP) Humana · S5884-187-000 | $32/mo | $601 | 3★ |
| AARP Medicare Rx Saver from UHC (PDP) UnitedHealthcare · S5921-353-000 | $56.90/mo | $615 | 2★ |
| HealthSpring Extra Rx (PDP) Cigna Healthcare · S5617-358-000 | $78/mo | $615 | 2.5★ |
| Blue Medicare Rx Standard (PDP) Blue Cross and Blue Shield of North Carolina · S5540-002-000 | $83.90/mo | $615 | 3★ |
| SilverScript Choice (PDP) Aetna Medicare · S5601-016-000 | $90.20/mo | $615 | 3★ |
| HealthSpring Assurance Rx (PDP) Cigna Healthcare · S5617-217-000 | $110.40/mo | $615 | 2.5★ |
| Humana Premier Rx Plan (PDP) Humana · S5884-154-000 | $110.90/mo | None | 3★ |
| AARP Medicare Rx Preferred from UHC (PDP) UnitedHealthcare · S5921-390-000 | $119.80/mo | $130 | 2★ |
| Blue Medicare Rx Enhanced (PDP) Blue Cross and Blue Shield of North Carolina · S5540-004-000 | $163.20/mo | None | 3★ |
Special needs plans 25
Medicare Advantage plans built for people with particular needs, and open only to people who have them. If one of the three below describes you, these are often worth a look before a general plan. Each row says who can join.
Who special needs plans are for
- D-SNP: you have Medicaid as well as Medicare (sometimes called "dual eligible" or "Medi-Medi").
- C-SNP: you have a chronic condition the plan is built around, such as diabetes, heart failure, chronic lung disease or dementia. The plan checks with your doctor.
- I-SNP: you live in a nursing home or similar facility, or need that level of care at home.
Why people choose them
- Care built around you. Most assign a care coordinator, and many run clinical programs for the condition they serve: diabetes education and supplies, heart or lung monitoring, medication reviews, or doctors who visit you in a facility.
- Often more generous extras. Many offer larger allowances than general plans for groceries, over-the-counter items, transportation, meals or utilities. Compare the figures; they vary widely from plan to plan.
- Lower costs for many members. With full Medicaid, a D-SNP member usually pays nothing for care Medicare covers.
The catch: you have to qualify, and the plan will check, for example your Medicaid status or a doctor's confirmation of your condition. If you're not sure, your State Health Insurance Assistance Program (SHIP) gives free, unbiased advice.
| Plan | Network | Who can join | Premium | Out-of-pocket limit | Stars |
|---|---|---|---|---|---|
| Humana Gold Plus - Diabetes and Heart (HMO C-SNP) Humana · H1036-308-000 | HMO | Only for people with certain chronic conditionsDiabetes, Heart | $0/moGives back $1/mo of your Part B premium | $9,250 | 4.5★ |
| UHC Complete Care NC-25 (HMO-POS C-SNP) UnitedHealthcare · H5253-186-000 | HMO-POS | Only for people with certain chronic conditionsDiabetes, Heart | $0/mo | $5,400 | 4.0★ |
| Humana Dual Select H1036-307 (HMO D-SNP) Humana · H1036-307-000 | HMO | Only for people who have Medicaid as well as Medicare | $13/mo | $9,250 | 4.5★ |
| Humana Gold Plus SNP-DE H1036-167 (HMO D-SNP) Humana · H1036-167-000 | HMO | Only for people who have Medicaid as well as Medicare | $14.20/mo | $9,250 | 4.5★ |
| Healthy Blue + Medicare (HMO-POS D-SNP) Blue Cross and Blue Shield of North Carolina · H9147-001-000 | HMO-POS | Only for people who have Medicaid as well as Medicare | $18.70/mo | $9,250 | 3.5★ |
| Humana Gold Plus SNP-DE H1036-331 (HMO D-SNP) Humana · H1036-331-000 | HMO | Only for people who have Medicaid as well as Medicare | $20/mo | $9,250 | 4.5★ |
| UHC Dual Complete NC-D001 (HMO-POS D-SNP) UnitedHealthcare · H5253-041-000 | HMO-POS | Only for people who have Medicaid as well as Medicare | $25.30/mo | $9,250 | 4.0★ |
| Wellcare Dual Liberty Open (PPO D-SNP) Wellcare · H1914-008-000 | PPO | Only for people who have Medicaid as well as Medicare | $25.80/mo | $9,250 | 3.5★ |
| Wellcare Dual Reserve (HMO-POS D-SNP) Wellcare · H4073-003-000 | HMO-POS | Only for people who have Medicaid as well as Medicare | $27.50/mo | $9,250 | 3.5★ |
| Humana Dual Select H6622-027 (HMO-POS D-SNP) Humana · H6622-027-000 | HMO-POS | Only for people who have Medicaid as well as Medicare | $29/mo | $9,250 | 3.5★ |
| HumanaChoice SNP-DE H5525-036 (PPO D-SNP) Humana · H5525-036-000 | PPO | Only for people who have Medicaid as well as Medicare | $30.40/mo | $9,250 | 3.5★ |
| Troy Medicare for Dual-eligible Beneficiaries (HMO D-SNP) Troy Medicare · H4676-002-000 | HMO | Only for people who have Medicaid as well as Medicare | $31.30/mo | $9,250 | 3.0★ |
| Wellcare Dual Access (HMO-POS D-SNP) Wellcare · H4073-002-000 | HMO-POS | Only for people who have Medicaid as well as Medicare | $32.20/mo | $9,250 | 3.5★ |
| Humana Dual Select H5525-072 (PPO D-SNP) Humana · H5525-072-000 | PPO | Only for people who have Medicaid as well as Medicare | $33.50/mo | $9,250 | 3.5★ |
| DEVOTED DUAL PLUS 006 NC (HMO D-SNP) Devoted Health · H5299-006-000 | HMO | Only for people who have Medicaid as well as Medicare | $35/mo | $9,250 | 5.0★ |
| Wellcare Dual Liberty (HMO-POS D-SNP) Wellcare · H4073-004-000 | HMO-POS | Only for people who have Medicaid as well as Medicare | $36.20/moGives back $1/mo of your Part B premium | $9,250 | 3.5★ |
| UHC Dual Complete NC-V001 (HMO-POS D-SNP) UnitedHealthcare · H5253-116-000 | HMO-POS | Only for people who have Medicaid as well as Medicare | $36.20/moGives back $0.60/mo of your Part B premium | $5,900 | 4.0★ |
| UHC Dual Complete NC-S3 (HMO-POS D-SNP) UnitedHealthcare · H5253-184-000 | HMO-POS | Only for people who have Medicaid as well as Medicare | $36.20/moGives back $0.60/mo of your Part B premium | $9,250 | 4.0★ |
| UHC Dual Complete NC-S001 (PPO D-SNP) UnitedHealthcare · H1889-005-000 | PPO | Only for people who have Medicaid as well as Medicare | $36.20/moGives back $0.50/mo of your Part B premium | $9,250 | 4.0★ |
| UHC Dual Complete NC-S2 (PPO D-SNP) UnitedHealthcare · H1889-034-000 | PPO | Only for people who have Medicaid as well as Medicare | $36.20/moGives back $0.50/mo of your Part B premium | $9,250 | 4.0★ |
| Aetna Medicare Dual (HMO D-SNP) Aetna Medicare · H3146-002-000 | HMO | Only for people who have Medicaid as well as Medicare | $36.20/mo | $9,250 | 4.5★ |
| DEVOTED DUAL 009 NC (HMO D-SNP) Devoted Health · H5299-009-000 | HMO | Only for people who have Medicaid as well as Medicare | $36.20/mo | $6,750 | 5.0★ |
| DEVOTED DUAL FULL 013 NC (HMO D-SNP) Devoted Health · H5299-013-000 | HMO | Only for people who have Medicaid as well as Medicare | $36.20/mo | $9,250 | 5.0★ |
| DEVOTED C-SNP PLUS 015 NC (HMO C-SNP) Devoted Health · H5299-015-000 | HMO | Only for people with certain chronic conditionsDiabetes, Heart | $36.20/mo | $9,250 | 5.0★ |
| DEVOTED C-SNP PREMIUM 018 NC (HMO C-SNP) Devoted Health · H5299-018-000 | HMO | Only for people with certain chronic conditionsDiabetes, Heart | $36.20/mo | $5,600 | 5.0★ |
Medicare Advantage plans without drug coverage 10
Medical coverage only. These suit people who get their drugs elsewhere, such as from the VA or an employer, since you generally can't add a separate Part D plan to them.
| Plan | Network | Premium | Out-of-pocket limit | Stars |
|---|---|---|---|---|
| DEVOTED CHOICE MA ONLY 007 NC (PPO) Devoted Health · H9700-007-000 | PPO | $0/moGives back $184.70/mo of your Part B premium | $9,250 | Not yet rated |
| Wellcare Patriot Giveback Open (PPO) Wellcare · H1914-011-000 | PPO | $0/moGives back $175/mo of your Part B premium | $8,850 | 3.5★ |
| Humana USAA Honor Giveback (PPO) Humana · H5525-065-000 | PPO | $0/moGives back $165/mo of your Part B premium | $9,250 | 3.5★ |
| AARP Medicare Advantage Patriot No Rx NC-MA02 (HMO-POS) UnitedHealthcare · H5253-040-000 | HMO-POS | $0/moGives back $155/mo of your Part B premium | $7,900 | 4.0★ |
| Humana USAA Honor Giveback (PPO) Humana · H5216-343-000 | PPO | $0/moGives back $120/mo of your Part B premium | $9,250 | 3.5★ |
| Blue Medicare Freedom+ (PPO) Blue Cross and Blue Shield of North Carolina · H3404-004-000 | PPO | $0/moGives back $100/mo of your Part B premium | $9,250 | 4.5★ |
| Aetna Medicare Eagle Giveback (PPO) Aetna Medicare · H5521-241-000 | PPO | $0/moGives back $80/mo of your Part B premium | $6,750 | 4.5★ |
| Humana USAA Honor Giveback (Regional PPO) Humana · R0110-006-000 | Regional PPO | $0/moGives back $52/mo of your Part B premium | $9,250 | 3.5★ |
| Blue Medicare Medical Only (HMO-POS) Blue Cross and Blue Shield of North Carolina · H3449-012-000 | HMO-POS | $0/moGives back $35/mo of your Part B premium | $3,900 | 4.0★ |
| HumanaChoice R0110-004 (Regional PPO) Humana · R0110-004-000 | Regional PPO | $0/mo | $7,000 | 3.5★ |
Medigap (Medicare Supplement)
A Medigap policy pays some or all of what Original Medicare leaves you owing, and works with any doctor who takes Medicare. The coverage of each plan letter is the same whichever company sells it; only the price differs.
- Plan G: $115–$656/mo from 38 companies, at age 65.
- Plan N: $89–$568/mo from 36 companies, at age 65.
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