North Carolina › Buncombe County
Medicare plans in Buncombe County, North Carolina
2027 plans. Other years: 2026 · 2027
Where to start
This page lists every Medicare plan sold in Buncombe County for 2027, 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 (34 plans)
- Part D drug plans (11 plans)
- Special needs plans (35 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 Buncombe 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 Buncombe County
At a glance
- 44 Medicare Advantage plans are open to anyone with Medicare here; 34 charge no monthly premium.
- 20 give back part of your Part B premium, up to $190 a month.
- The lowest yearly limit on what you pay for in-network care is $3,400.
- 11 Part D drug plans, from $5.30 to $239.20 a month.
Medicare Advantage plans with drug coverage 34
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 $172.80/mo of your Part B premium | $9,850 | 4.0★ |
| DEVOTED GIVEBACK 030 NC (HMO) Devoted Health · H5299-030-000 | HMO | $0/moGives back $171/mo of your Part B premium | $9,850 | 4.5★ |
| Alignment Health Smart 006 (HMO) Alignment Health Plan · H5296-006-000 | HMO | $0/moGives back $119/mo of your Part B premium | $3,400 | 4.5★ |
| HumanaChoice Giveback H5525-035 (PPO) Humana · H5525-035-000 | PPO | $0/moGives back $110/mo of your Part B premium | $9,850 | 4.0★ |
| HumanaChoice Giveback H5216-017 (PPO) Humana · H5216-017-000 | PPO | $0/moGives back $79/mo of your Part B premium | $9,850 | 4.0★ |
| DEVOTED GIVEBACK EXTRAS 044 NC (HMO) Devoted Health · H5299-044-000 | HMO | $0/moGives back $70/mo of your Part B premium | $7,150 | 4.5★ |
| Humana Gold Plus Giveback H1036-343 (HMO-POS) Humana · H1036-343-000 | HMO-POS | $0/moGives back $67/mo of your Part B premium | $9,850 | 4.5★ |
| AARP Medicare Advantage Giveback from UHC NC-13 (HMO-POS) UnitedHealthcare · H5253-105-000 | HMO-POS | $0/moGives back $51/mo of your Part B premium | $9,300 | 4.0★ |
| Blue Medicare Essential (HMO) Blue Cross and Blue Shield of North Carolina · H3449-027-001 | HMO | $0/moGives back $36/mo of your Part B premium | $9,850 | 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 | 4.0★ |
| Humana Gold Plus H1036-335 (HMO-POS) Humana · H1036-335-002 | HMO-POS | $0/moGives back $1/mo of your Part B premium | $3,950 | 4.5★ |
| Humana Gold Plus H1036-137 (HMO-POS) Humana · H1036-137-000 | HMO-POS | $0/mo | $9,850 | 4.5★ |
| Wellcare Simple Open (PPO) Wellcare · H1914-007-000 | PPO | $0/mo | $7,150 | 3.0★ |
| Wellcare Assist Open (PPO) Wellcare · H1914-009-000 | PPO | $0/mo | $6,500 | 3.0★ |
| Aetna Medicare Value Plus (HMO) Aetna Medicare · H3146-006-000 | HMO | $0/mo | $5,500 | 3.5★ |
| Blue Medicare Essential Plus (HMO-POS) Blue Cross and Blue Shield of North Carolina · H3449-023-001 | HMO-POS | $0/mo | $5,900 | 4.0★ |
| Wellcare Simple (HMO-POS) Wellcare · H4073-001-000 | HMO-POS | $0/mo | $6,700 | 3.5★ |
| Troy Medicare (HMO) Troy Medicare · H4676-001-000 | HMO | $0/mo | $4,950 | 3.0★ |
| AARP Medicare Advantage from UHC NC-24 (HMO-POS) UnitedHealthcare · H5253-185-000 | HMO-POS | $0/mo | $7,150 | 4.0★ |
| Alignment Health Platinum 010 (HMO) Alignment Health Plan · H5296-010-000 | HMO | $0/mo | $4,300 | 4.5★ |
| DEVOTED CORE 029 NC (HMO) Devoted Health · H5299-029-000 | HMO | $0/mo | $4,950 | 4.5★ |
| Aetna Medicare Signature (PPO) Aetna Medicare · H5521-236-000 | PPO | $0/mo | $9,850 | 4.0★ |
| Humana Gold Plus H6622-025 (HMO-POS) Humana · H6622-025-000 | HMO-POS | $0/mo | $9,850 | 4.0★ |
| DEVOTED CHOICE 005 NC (PPO) Devoted Health · H9700-005-000 | PPO | $0/mo | $5,300 | 4.0★ |
| HumanaChoice H7617-122 (PPO) Humana · H7617-122-000 | PPO | $13/mo | $9,850 | 4.5★ |
| HumanaChoice H5525-070 (PPO) Humana · H5525-070-000 | PPO | $13.30/mo | $9,850 | 4.0★ |
| Humana Gold Plus H6622-026 (HMO-POS) Humana · H6622-026-000 | HMO-POS | $13.30/mo | $9,850 | 4.0★ |
| Alignment Health AVA 001 (PPO) Alignment Health Plan · H7074-001-000 | PPO | $20/mo | $3,900 | Not yet rated |
| Blue Medicare Enhanced (HMO-POS) Blue Cross and Blue Shield of North Carolina · H3449-024-001 | HMO-POS | $41/mo | $4,900 | 4.0★ |
| Humana Gold Choice H8145-004 (PFFS) Humana · H8145-004-000 | PFFS | $43/mo | $9,850 | 4.0★ |
| Blue Medicare PPO Enhanced (PPO) Blue Cross and Blue Shield of North Carolina · H3404-003-001 | PPO | $45/mo | $6,900 | 4.5★ |
| AARP Medicare Advantage from UHC NC-0009 (HMO-POS) UnitedHealthcare · H5253-080-000 | HMO-POS | $57/mo | $5,900 | 4.0★ |
| HumanaChoice H5216-211 (PPO) Humana · H5216-211-000 | PPO | $67/mo | $9,850 | 4.0★ |
| Humana Full Access (Regional PPO) Humana · R0110-005-000 | Regional PPO | $158/mo | $9,850 | 3.5★ |
Part D drug plans 11
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 | $5.30/mo | $700 | 3★ |
| Wellcare Classic (PDP) Wellcare · S4802-081-000 | $7.30/mo | $700 | 3★ |
| Humana Basic Rx Plan (PDP) Humana · S5884-133-000 | $12.30/mo | $700 | 4.5★ |
| Humana Value Rx Plan (PDP) Humana · S5884-187-000 | $51.30/mo | $687 | 4.5★ |
| Blue Medicare Rx Standard (PDP) Blue Cross and Blue Shield of North Carolina · S5540-002-000 | $92.10/mo | $700 | 2.5★ |
| Humana Premier Rx Plan (PDP) Humana · S5884-154-000 | $130.20/mo | $350 | 4.5★ |
| SilverScript Choice (PDP) Aetna Medicare · S5601-016-000 | $143.50/mo | $700 | 2.5★ |
| HealthSpring Assurance Rx (PDP) Blue Cross and Blue Shield of IL, NM, OK, TX · S5715-029-000 | $143.90/mo | $700 | 2.5★ |
| AARP Medicare Rx Saver from UHC (PDP) UnitedHealthcare · S5921-353-000 | $150.20/mo | $700 | 3★ |
| AARP Medicare Rx Preferred from UHC (PDP) UnitedHealthcare · S5921-390-000 | $203.90/mo | $300 | 3★ |
| Blue Medicare Rx Enhanced (PDP) Blue Cross and Blue Shield of North Carolina · S5540-004-000 | $239.20/mo | None | 2.5★ |
Special needs plans 35
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 |
|---|---|---|---|---|---|
| DEVOTED C-SNP GIVEBACK EXTRAS 034 NC (HMO C-SNP) Devoted Health · H5299-034-000 | HMO | Only for people with certain chronic conditionsDiabetes, Heart | $0/moGives back $90/mo of your Part B premium | $7,150 | 4.5★ |
| UHC Nursing Home Plan NC-F001 (PPO I-SNP) UnitedHealthcare · H0710-034-000 | PPO | Only for people who live in a nursing home, or need that level of care at home | $0/mo | $9,850 | 5.0★ |
| 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 | $0/mo | $9,850 | 4.5★ |
| Humana Dual Select H1036-307 (HMO D-SNP) Humana · H1036-307-000 | HMO | Only for people who have Medicaid as well as Medicare | $0/mo | $9,850 | 4.5★ |
| Humana Gold Plus - Diabetes and Heart (HMO C-SNP) Humana · H1036-308-000 | HMO | Only for people with certain chronic conditionsDiabetes, Heart | $0/mo | $9,850 | 4.5★ |
| 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 | $0/mo | $9,850 | 4.5★ |
| UHC Dual Complete NC-Q1 (PPO D-SNP) UnitedHealthcare · H1889-005-000 | PPO | Only for people who have Medicaid as well as Medicare | $0/mo | $9,850 | 3.5★ |
| UHC Dual Complete NC-S2 (PPO D-SNP) UnitedHealthcare · H1889-034-000 | PPO | Only for people who have Medicaid as well as Medicare | $0/mo | $9,850 | 3.5★ |
| Wellcare Carolina Complete Dual Liberty Open (PPO D-SNP) Wellcare · H1914-008-000 | PPO | Only for people who have Medicaid as well as Medicare | $0/mo | $9,850 | 3.0★ |
| Aetna Medicare Full Dual (HMO D-SNP) Aetna Medicare · H3146-002-000 | HMO | Only for people who have Medicaid as well as Medicare | $0/mo | $9,850 | 3.5★ |
| Aetna Medicare Full Dual Care (HMO D-SNP) Aetna Medicare · H3146-022-000 | HMO | Only for people who have Medicaid as well as Medicare | $0/mo | $9,850 | 3.5★ |
| Wellcare Carolina Complete Dual Liberty (HMO-POS D-SNP) Wellcare · H4073-004-000 | HMO-POS | Only for people who have Medicaid as well as Medicare | $0/mo | $9,850 | 3.5★ |
| 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 | $6,400 | 4.0★ |
| UHC Dual Complete NC-Q2 (HMO-POS D-SNP) UnitedHealthcare · H5253-217-001 | HMO-POS | Only for people who have Medicaid as well as Medicare | $0/mo | $9,850 | 4.0★ |
| Alignment Health Heart & Diabetes 011 (HMO C-SNP) Alignment Health Plan · H5296-011-000 | HMO | Only for people with certain chronic conditionsDiabetes, Heart | $0/mo | $3,400 | 4.5★ |
| DEVOTED DUAL PLUS 006 NC (HMO D-SNP) Devoted Health · H5299-006-000 | HMO | Only for people who have Medicaid as well as Medicare | $0/mo | $9,850 | 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 | $0/mo | $6,750 | 4.5★ |
| DEVOTED DUAL FULL 013 NC (HMO D-SNP) Devoted Health · H5299-013-000 | HMO | Only for people who have Medicaid as well as Medicare | $0/mo | $9,850 | 4.5★ |
| DEVOTED C-SNP PLUS 015 NC (HMO C-SNP) Devoted Health · H5299-015-000 | HMO | Only for people with certain chronic conditionsDiabetes, Heart | $0/mo | $9,850 | 4.5★ |
| DEVOTED C-SNP ENHANCED 018 NC (HMO C-SNP) Devoted Health · H5299-018-000 | HMO | Only for people with certain chronic conditionsDiabetes, Heart | $0/mo | $5,600 | 4.5★ |
| HumanaChoice SNP-DE H5525-036 (PPO D-SNP) Humana · H5525-036-000 | PPO | Only for people who have Medicaid as well as Medicare | $0/mo | $9,850 | 4.0★ |
| Liberty Medicare Advantage (HMO C-SNP) Liberty Medicare Advantage · H6351-004-000 | HMO | Only for people with certain chronic conditionsDiabetes, Heart | $0/mo | $3,800 | 3.5★ |
| AmeriHealth Caritas VIP Care (HMO D-SNP) AmeriHealth Caritas VIP Care · H8212-001-000 | HMO | Only for people who have Medicaid as well as Medicare | $1.90/mo | $9,850 | Not yet rated |
| UHC Dual Complete NC-S3 (HMO-POS D-SNP) UnitedHealthcare · H5253-216-001 | HMO-POS | Only for people who have Medicaid as well as Medicare | $3.80/mo | $9,850 | 4.0★ |
| 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 | $4.10/mo | $9,850 | 4.0★ |
| Alignment Health Heart & Diabetes Plus 009 (HMO-POS C-SNP) Alignment Health Plan · H5296-009-000 | HMO-POS | Only for people with certain chronic conditionsDiabetes, Heart | $4.80/mo | $9,850 | 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 | $13.20/mo | $9,850 | 3.0★ |
| Wellcare Carolina Complete Dual Reserve (HMO-POS D-SNP) Wellcare · H4073-003-000 | HMO-POS | Only for people who have Medicaid as well as Medicare | $13.30/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 | $13.30/mo | $9,850 | 3.0★ |
| UHC Dual Advantage NC-V1 (HMO-POS D-SNP) UnitedHealthcare · H5253-116-000 | HMO-POS | Only for people who have Medicaid as well as Medicare | $13.30/mo | $5,900 | 4.0★ |
| Alignment Health Duals+ 004 (HMO-POS D-SNP) Alignment Health Plan · H5296-004-000 | HMO-POS | Only for people who have Medicaid as well as Medicare | $13.30/mo | $9,850 | 4.5★ |
| Longevity Health Plan (HMO I-SNP) Longevity Health Plan · H5374-001-000 | HMO | Only for people who live in a nursing home, or need that level of care at home | $13.30/mo | $9,850 | 5.0★ |
| Humana Dual Select H5525-072 (PPO D-SNP) Humana · H5525-072-000 | PPO | Only for people who have Medicaid as well as Medicare | $13.30/mo | $9,850 | 4.0★ |
| Liberty Medicare Advantage Nursing Home Plan (HMO I-SNP) Liberty Medicare Advantage · H6351-001-000 | HMO | Only for people who live in a nursing home, or need that level of care at home | $13.30/mo | $6,800 | 3.5★ |
| Liberty Medicare Dual Plan (HMO D-SNP) Liberty Medicare Advantage · H6351-005-000 | HMO | Only for people who have Medicaid as well as Medicare | $17.50/mo | $7,550 | 3.5★ |
PACE
PACE isn't a special needs plan, but it isn't open to everyone either: it is for people 55 and older who need a nursing-home level of care and can live safely at home with its help. Sold here: CarePartners PACE (PACE), CarePartners PACE (PACE).
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 |
|---|---|---|---|---|
| AARP Medicare Advantage Patriot No Rx NC-MA02 (HMO-POS) UnitedHealthcare · H5253-040-000 | HMO-POS | $0/moGives back $190/mo of your Part B premium | $9,300 | 4.0★ |
| 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 | 4.0★ |
| Wellcare Patriot Giveback Open (PPO) Wellcare · H1914-011-000 | PPO | $0/moGives back $175/mo of your Part B premium | $8,850 | 3.0★ |
| Humana USAA Honor Giveback (PPO) Humana · H5525-065-000 | PPO | $0/moGives back $165/mo of your Part B premium | $9,850 | 4.0★ |
| Humana USAA Honor Giveback (PPO) Humana · H5216-343-000 | PPO | $0/moGives back $126/mo of your Part B premium | $9,850 | 4.0★ |
| Aetna Medicare Eagle (PPO) Aetna Medicare · H5521-241-000 | PPO | $0/moGives back $120/mo of your Part B premium | $7,150 | 4.0★ |
| Blue Medicare Freedom+ (PPO) Blue Cross and Blue Shield of North Carolina · H3404-004-000 | PPO | $0/moGives back $76/mo of your Part B premium | $9,850 | 4.5★ |
| Humana USAA Honor Giveback (Regional PPO) Humana · R0110-006-000 | Regional PPO | $0/moGives back $52/mo of your Part B premium | $9,850 | 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 | $9,850 | 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.
Discussion
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