Medicare Advantage
Blue Cross and Blue Shield of North Carolina Medicare Advantage in North Carolina for 2027
RALEIGH, N.C. — For the 2027 plan year, Blue Cross and Blue Shield of North Carolina will offer 14 Medicare Advantage plans across the state, according to the Centers for Medicare & Medicaid Services (CMS) Landscape Source Files. The carrier is one of 16 companies offering Medicare Advantage in North Carolina next year, out of 179 plans statewide. Because Medicare Advantage is sold county by county, any plan listed statewide may or may not be available where you live.
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Key takeaways
- Blue Cross and Blue Shield of North Carolina lists 14 Medicare Advantage plans for North Carolina in 2027, and all 14 include drug coverage.
- One of the 14 plans is a Dual Eligible Special Needs Plan (D-SNP); there are no Chronic or Institutional SNPs from this carrier for 2027.
- Zero plans are new for 2027 from this carrier, and one plan is not returning compared with 2026.
- The Annual Enrollment Period runs October 15 through December 7, 2026, and a choice made during that window takes effect January 1, 2027.
| Fact | Figure | Source |
|---|---|---|
| Part B standard monthly premium (2026) | $202.90 | Medicare.gov |
| Part D out-of-pocket cap (2026) | $2,100 | CMS |
| Part D out-of-pocket cap (2027) | $2,400 | CMS |
| Annual Enrollment Period (for 2027 coverage) | October 15 – December 7, 2026 | Medicare.gov |
| Medicare Advantage Open Enrollment Period | January 1 – March 31 | Medicare.gov |
Area counts are for the county as a whole and are not a recommendation of any plan. Program figures are set nationally.
This article is published by an independent Medicare education site. It is privately owned, not part of the government, and not affiliated with Blue Cross and Blue Shield of North Carolina or any other insurance carrier.
What does Blue Cross and Blue Shield of North Carolina offer statewide for 2027?
Blue Cross and Blue Shield of North Carolina offers 14 Medicare Advantage plans in North Carolina for 2027. By plan type, that breaks down to 2 HMO plans, 9 HMO-POS plans, and 3 PPO plans. All 14 include Part D prescription drug coverage.
The carrier's Special Needs Plan footprint for 2027 includes 1 Dual Eligible Special Needs Plan (D-SNP), with no Chronic Condition SNPs and no Institutional SNPs listed. Statewide, 15 other carriers also offer Medicare Advantage, for a total of 179 plans in North Carolina. Which of those actually appear on your doorstep depends on your county.
Which Blue Cross and Blue Shield of North Carolina plans reach the most North Carolina counties in 2027?
The plans with the widest county reach from this carrier in 2027 are Blue Medicare Freedom+ (PPO), Blue Medicare Medical Only (HMO-POS), and the Healthy Blue + Medicare (HMO-POS D-SNP), each listed in 100 counties, followed by Blue Medicare Essential (HMO) in 80 counties.
Beyond those, the full plan table on this page shows additional Blue Medicare Enhanced (HMO-POS), Blue Medicare Essential (HMO), Blue Medicare Essential Plus (HMO-POS), and Blue Medicare PPO Enhanced (PPO) offerings, each available in a smaller set of counties ranging from 19 to 61. County reach is not a quality signal — it only reflects where a plan is sold. The number of counties where a plan is listed does not tell you anything about cost, benefits, networks, or star ratings; those live in each plan's own documents.
What is new or not returning from this carrier in North Carolina for 2027?
For 2027, Blue Cross and Blue Shield of North Carolina has 0 new Medicare Advantage plans in North Carolina and 1 plan from 2026 that is not returning. That year-over-year comparison comes from the CMS Landscape Source Files for the current and coming plan year.
If you are currently enrolled in a Blue Cross and Blue Shield of North Carolina plan, watch for the Annual Notice of Change (ANOC) the carrier sends in the fall. It will tell you whether your specific plan is continuing into 2027, whether it is being consolidated into another plan, or whether it is ending. If a plan ends, you have a Special Enrollment Period to choose another plan — but you can also use the Annual Enrollment Period from October 15 to December 7, 2026 to make a change.
How do I check whether a Blue Cross and Blue Shield of North Carolina plan is offered in my North Carolina county and covers my doctors and prescriptions?
To confirm whether a specific plan is offered in your North Carolina county for 2027 — and whether it covers your doctors and prescriptions — use the Medicare Plan Finder at medicare.gov, call 1-800-MEDICARE (TTY 1-877-486-2048), or read the plan's Evidence of Coverage and provider and pharmacy directories. The 14 plans listed in the statewide table above are not all available everywhere; Medicare Advantage is sold county by county.
A short checklist helps:
- Enter your ZIP code and county on medicare.gov to see which Blue Cross and Blue Shield of North Carolina plans appear for 2027 where you live.
- Add your prescription drugs by name and dose to compare how each plan's drug list treats them.
- Search each doctor, hospital, and preferred pharmacy in the plan's directory, and call the office to confirm they will accept the plan in 2027.
- Read the Evidence of Coverage for the plan's rules on referrals, prior authorization, and out-of-network care.
What should I do before December 7, 2026?
Before December 7, 2026, review your current coverage against your 2027 options so that any change you want is on file by the deadline. The Annual Enrollment Period runs October 15 through December 7, 2026, and the plan you choose during that window starts January 1, 2027.
A practical order of operations:
1. Read the Annual Notice of Change from your current plan — Blue Cross and Blue Shield of North Carolina or any other carrier — when it arrives in the fall of 2026. 2. Make a list of your doctors, hospitals, prescriptions, and pharmacies. 3. Compare plans on medicare.gov using that list. 4. Enroll by December 7, 2026 if you want a change; otherwise, in most cases, your current plan rolls into its 2027 version automatically.
There is also a Medicare Advantage Open Enrollment Period from January 1 through March 31, 2027, when someone already in a Medicare Advantage plan can make one change.
Where can I get free help comparing Medicare plans in North Carolina?
Free, unbiased help comparing Medicare plans in North Carolina is available directly from Medicare. Call 1-800-MEDICARE (TTY 1-877-486-2048), available 24 hours a day, seven days a week, or use the Plan Finder and plan comparison tools at medicare.gov.
You can also contact a plan directly using the phone number on the carrier's materials to ask about a specific plan's benefits, network, and drug list for 2027. Nothing in this article is a recommendation of any plan or carrier; the goal is to point you to the official sources so you can make the choice that fits your health, your prescriptions, and your budget.
By the numbers
Medicare Part B premium, 2006–2026
The standard monthly Part B premium has climbed from $88.50 in 2006 to $202.90 in 2026. Hover any point for that year’s premium.
Source: CMS. Standard premium shown; in some hold-harmless years many existing enrollees paid less. Confirm at Medicare.gov.
2027 plan lineup
Blue Cross and Blue Shield of North Carolina Medicare Advantage plans in North Carolina for 2027
CMS lists 14 Blue Cross and Blue Shield of North Carolina Medicare Advantage plans across North Carolina for 2027, alphabetically by carrier, widest county reach first. 15 other carriers also offer plans there.
| Plan | Type | Drug coverage | Counties |
|---|---|---|---|
| Blue Cross and Blue Shield of North Carolina 14 plans | |||
| Blue Medicare Freedom+ (PPO) | PPO | Yes | 100 |
| Blue Medicare Medical Only (HMO-POS) | HMO-POS | Yes | 100 |
| Healthy Blue + Medicare (HMO-POS D-SNP) | HMO-POS D-SNP | Yes | 100 |
| Blue Medicare Essential (HMO) | HMO | Yes | 80 |
| Blue Medicare PPO Enhanced (PPO) | PPO | Yes | 61 |
| Blue Medicare Enhanced (HMO-POS) | HMO-POS | Yes | 42 |
| Blue Medicare Essential Plus (HMO-POS) | HMO-POS | Yes | 42 |
| Blue Medicare Enhanced (HMO-POS) | HMO-POS | Yes | 31 |
| Blue Medicare PPO Enhanced (PPO) | PPO | Yes | 21 |
| Blue Medicare Enhanced (HMO-POS) | HMO-POS | Yes | 20 |
| Blue Medicare Essential (HMO) | HMO | Yes | 20 |
| Blue Medicare Essential Plus (HMO-POS) | HMO-POS | Yes | 20 |
| Blue Medicare Essential Plus (HMO-POS) | HMO-POS | Yes | 19 |
| Blue Medicare Essential Plus (HMO-POS) | HMO-POS | Yes | 19 |
Source: CMS Medicare Advantage Landscape Source Files, plan years 2026 and 2027. Plans are offered county by county; a plan listed for the state may not be offered in your county. No plan is ranked or recommended; premiums, benefits, networks and star ratings are not shown. Plan details come from the Medicare Plan Finder at medicare.gov or the plan itself.
The 2027 choices, by type
How Blue Cross and Blue Shield of North Carolina Medicare Advantage plans across North Carolina break down for 2027
HMO plans use a network and usually a primary-care doctor and referrals; HMO-POS plans add some out-of-network coverage; PPO plans also cover out-of-network care, at a higher share; PFFS plans pay any provider that accepts the plan’s terms. Special Needs Plans serve people with Medicare and Medicaid (D-SNP), certain chronic conditions (C-SNP) or living in an institution (I-SNP).
Source: CMS Medicare Advantage Landscape Source Files, plan years 2026 and 2027. Plans are offered county by county; a plan listed for the state may not be offered in your county. No plan is ranked or recommended; premiums, benefits, networks and star ratings are not shown. Plan details come from the Medicare Plan Finder at medicare.gov or the plan itself.
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Frequently asked questions
How many Medicare Advantage plans does Blue Cross and Blue Shield of North Carolina offer in North Carolina for 2027?
Are any Blue Cross and Blue Shield of North Carolina plans new or ending for 2027?
Will every Blue Cross and Blue Shield of North Carolina plan be available in my county?
When do I need to make a decision for 2027 coverage?
- CMS — MA Landscape Source File (plan-level availability by county)
- CMS — MA Landscape Source Files, current and coming plan year (year-over-year comparison)
- CMS — Medicare enrollment periods (medicare.gov)
For personalized answers, contact Medicare.gov or 1-800-MEDICARE.
Sources and methodology
- Medicare.gov, Medicare costs (Part B premium)
- CMS, Medicare prescription drug coverage (Part D) program rules
- CMS, Medicare Advantage and Part D plan-year announcements
- Medicare.gov, enrollment periods and plan rules
- CMS, Medicare Advantage and Part D Landscape Source Files
Figures cited in this article
- CMS — MA Landscape Source File: the 2027 plan counts, plan types, SNP counts, drug coverage counts, and county reach for Blue Cross and Blue Shield of North Carolina in North Carolina.
- CMS — MA Landscape Source Files, 2026 and 2027: the year-over-year comparison showing 0 new plans and 1 plan not returning from this carrier.
- Medicare.gov — Medicare enrollment periods: the Annual Enrollment Period dates (October 15 – December 7, 2026) and the January 1, 2027 effective date.
How we put this together: area counts come from the CMS files listed above for the county that contains this city, program figures come from CMS, Medicare.gov and the Social Security Administration, and no plan is ranked or recommended.
By The Medicare Desk · Published . For personalized answers, contact Medicare.gov or 1-800-MEDICARE.
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This page was last updated: October 2026.