Medicare Advantage
Aetna's Medicare Advantage plans in Charlotte for 2027: the full lineup, by plan type
CHARLOTTE, N.C. — As the Annual Enrollment Period runs from October 15 through December 7, 2026, Aetna's 2027 Medicare Advantage lineup for Mecklenburg County is set: eight plans, split across HMO and PPO designs, with four Special Needs Plans in the mix. One plan from this year's lineup is not coming back, two have new names, and no brand-new plans are being added. The table below lists every Aetna plan offered in the county for 2027.
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Key takeaways
- Aetna offers 8 Medicare Advantage plans in Mecklenburg County for 2027: 5 HMOs and 3 PPOs, with 7 of the 8 including drug coverage.
- Four of the eight plans are Special Needs Plans — 2 D-SNPs (for people with both Medicare and Medicaid) and 2 C-SNPs (for people with certain chronic conditions).
- One 2026 Aetna plan is not returning for 2027, no plans are new, and two have been renamed; the Annual Notice of Change your plan mailed in late September spells out what shifted.
- Charlotte residents have until December 7, 2026 to switch, join, or drop a plan for coverage starting January 1, 2027; doing nothing means your current plan renews with its 2027 changes.
| Fact | Figure | Source |
|---|---|---|
| Medicare Advantage plans offered in Mecklenburg County (2026) | 94 | CMS |
| Medicare Advantage plans offered in Mecklenburg County (2027) | 89 | CMS |
| Plans not returning for 2027 / new for 2027 | 19 / 14 | CMS |
| Organizations offering Medicare Advantage in Mecklenburg County (2026) | 11 | CMS |
| Share of eligible beneficiaries in Medicare Advantage, Mecklenburg County | 56% | CMS |
| Residents age 65 and older, Mecklenburg County | 137,905 | U.S. Census Bureau |
| 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.
MyMedicarePlans.org is an independent consumer site and is not affiliated with Aetna, CVS Health, or Medicare. We publish availability data; we do not sell plans.
How many Aetna Medicare Advantage plans are offered in Charlotte for 2027?
In Mecklenburg County, which is the county Charlotte sits in, Aetna offers 8 Medicare Advantage plans for 2027. By plan type, that breaks down as 5 HMO plans and 3 PPO plans. Seven of the eight include Part D prescription drug coverage; one PPO is offered without drug coverage.
CMS groups the carrier as Aetna (CVS Health). Aetna is one of 12 carriers offering Medicare Advantage in the county next year; across all carriers, Mecklenburg County has 89 Medicare Advantage plans available for 2027.
What Special Needs Plans does Aetna offer in Mecklenburg County for 2027?
Aetna's 2027 lineup in Mecklenburg County includes 4 Special Needs Plans: 2 Dual-Eligible SNPs (D-SNPs) and 2 Chronic Condition SNPs (C-SNPs). It does not offer an Institutional SNP (I-SNP) in the county.
SNPs are a type of Medicare Advantage plan built for a specific group. A D-SNP is for people who have both Medicare and Medicaid. A C-SNP is for people with certain qualifying chronic conditions, such as diabetes or heart disease. To join one, you have to meet the eligibility rules for that plan — a plan's materials or 1-800-MEDICARE can confirm whether you qualify.
What is new or not returning in Aetna's 2027 Charlotte lineup?
For 2027, Aetna is not adding any new Medicare Advantage plans in Mecklenburg County, one 2026 plan is not returning, and two plans have been renamed. The two renames: the plan formerly called Aetna Medicare Eagle Giveback (PPO) is now Aetna Medicare Eagle (PPO), and the plan formerly called Aetna Medicare Dual (HMO D-SNP) is now Aetna Medicare Full Dual (HMO D-SNP).
A rename doesn't automatically mean the plan works the same way next year, and a plan that stays on the roster can still change its costs, drug list, or provider network. Your Annual Notice of Change (ANOC) — the booklet Aetna was required to mail by September 30, 2026 — spells out exactly what is different for 2027. If yours is the plan not returning, Aetna's materials will explain your options and your special enrollment rights.
How do I check an Aetna plan against my doctors and prescriptions before December 7?
Use the Medicare Plan Finder at medicare.gov, or call 1-800-MEDICARE (TTY 1-877-486-2048), which is open 24 hours a day, 7 days a week. The Plan Finder lets you enter your prescriptions and your preferred pharmacy and see each plan's drug coverage and estimated yearly cost side by side.
A few steps that save time:
- Make a list of your current prescriptions with the dose and how often you take them.
- Make a list of the doctors, specialists, and hospitals you want to keep using.
- On medicare.gov, enter your ZIP code, add your drugs, and filter to Aetna to compare its 2027 plans in Mecklenburg County.
- Confirm your doctors are in the plan's 2027 network by checking the plan's own provider directory, and confirm your drugs are on its 2027 formulary.
- If you take expensive drugs, ask about the Medicare Prescription Payment Plan, which lets you spread Part D out-of-pocket costs across the year.
Networks and drug lists can change on January 1, so a doctor or drug that is covered in 2026 is not automatically covered in 2027.
What Part D figures are confirmed for 2027?
CMS has confirmed two Part D numbers that apply to every Medicare drug plan in 2027: the out-of-pocket cap rises to $2,400 (up from $2,100 in 2026), and the maximum Part D deductible rises to $700 (up from $615 in 2026). The Part D national base beneficiary premium for 2027 is $41.33 — that is a formula input CMS uses, not the premium any particular plan charges.
The 2027 standard Part B premium and deductible and the 2027 IRMAA income brackets have not been announced yet. CMS typically publishes those later in the fall, usually in November.
What happens if I do nothing by December 7, 2026?
If you take no action by December 7, 2026, your current Medicare Advantage plan automatically renews on January 1, 2027 — as long as it is being offered next year — with the changes described in your ANOC. Nothing is cancelled by inaction alone.
If your plan is one that is not returning, you'll have a Special Enrollment Period to pick a different plan or return to Original Medicare; your plan's non-renewal notice explains the timing. And if you choose a Medicare Advantage plan and change your mind, the Medicare Advantage Open Enrollment Period runs January 1 through March 31, 2027, and lets you make one switch.
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.
By the numbers
How people get Medicare in Mecklenburg County
(MA penetration in Mecklenburg County)
MA penetration from CMS enrollment data; Medigap share is an estimate. U.S. average is about 54% Medicare Advantage. These are area-level figures, not plan-specific.
2027 plan lineup
Aetna Medicare Advantage plans in Mecklenburg County for 2027
CMS lists 8 Aetna Medicare Advantage plans in Mecklenburg County for 2027, alphabetically by carrier. 11 other carriers also offer plans there.
| Plan | Type | Drug coverage | For 2027 |
|---|---|---|---|
| Aetna (CVS Health) 8 plans | |||
| Aetna Medicare Chronic Care (HMO C-SNP) | HMO C-SNP | Yes | Returning |
| Aetna Medicare Chronic Care Value (HMO C-SNP) | HMO C-SNP | Yes | Returning |
| Aetna Medicare Eagle (PPO) | PPO | No | Renamed |
| Aetna Medicare Full Dual (HMO D-SNP) | HMO D-SNP | Yes | Renamed |
| Aetna Medicare Full Dual Care (HMO D-SNP) | HMO D-SNP | Yes | Returning |
| Aetna Medicare Signature (HMO) | HMO | Yes | Returning |
| Aetna Medicare Signature (PPO) | PPO | Yes | Returning |
| Aetna Medicare Signature Giveback (PPO) | PPO | Yes | Returning |
Source: CMS Medicare Advantage Landscape Source Files, plan years 2026 and 2027. Plan availability is set at the county level. 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 Aetna Medicare Advantage plans in Mecklenburg County 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. Plan availability is set at the county level. 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.
Key dates
Medicare enrollment periods at a glance
- Around your 65thInitial Enrollment PeriodA 7-month window around the month you turn 65 — your first chance to sign up.
- October 15 – December 7Annual Enrollment PeriodAnyone with Medicare can join, switch, or drop a Medicare Advantage or Part D plan.
- January 1 – March 31Medicare Advantage Open EnrollmentIf you're already in a Medicare Advantage plan, you can make one change.
- January 1 – March 31General Enrollment PeriodFor people who missed their first chance to sign up for Part B.
- VariesSpecial Enrollment PeriodTriggered by life events like moving or losing other coverage.
Dates are set by Medicare and apply nationwide. Confirm your personal windows at Medicare.gov or 1-800-MEDICARE.
Explore
When can you enroll? An interactive year
Enrollment windows are federal and the same nationwide. Confirm your personal dates at Medicare.gov or 1-800-MEDICARE.
Explore
The parts of Medicare
Good to know
Frequently asked questions
Is Aetna adding any new Medicare Advantage plans in Charlotte for 2027?
Does every Aetna plan in Mecklenburg County include drug coverage?
How do I know if I qualify for one of Aetna's Special Needs Plans?
What if I miss the December 7, 2026 deadline?
- 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.
Also for Charlotte
Sources and methodology
- CMS, Medicare Advantage and Part D Landscape Source Files
- CMS, Medicare Advantage state/county penetration and enrollment files
- U.S. Census Bureau, American Community Survey (table B01001, age 65 and older)
- 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
Figures cited in this article
- CMS Medicare Advantage Landscape Source Files (CY2026 and CY2027): the Mecklenburg County plan counts, plan types, SNP counts, drug coverage, and the year-over-year list of new, renamed, and not-returning plans.
- CMS: the confirmed 2027 Part D out-of-pocket cap, maximum deductible, and national base beneficiary premium, and the 2026 program figures.
- Medicare.gov: the Annual Enrollment Period and Medicare Advantage Open Enrollment Period dates and the Plan Finder tool.
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.