Medicare Advantage
Blue Cross NC's 2027 Medicare Advantage plans in Charlotte: one plan is leaving the lineup
Charlotte, N.C. — October 2026. If you have a Blue Cross and Blue Shield of North Carolina Medicare Advantage plan in Charlotte, your 2027 lineup is set, and it looks a little different from this year. The insurer will offer seven Medicare Advantage plans in Mecklenburg County next year, down from eight in 2026. One plan from this year's roster is not coming back, no new plans are being added, and no plans have been renamed.
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Key takeaways
- Blue Cross and Blue Shield of North Carolina will offer 7 Medicare Advantage plans in Mecklenburg County for 2027, with 1 plan from 2026 not returning and 0 new plans.
- All 7 plans include drug coverage, and 1 is a Dual Eligible Special Needs Plan (D-SNP) for people with both Medicare and Medicaid.
- The Annual Enrollment Period runs October 15 – December 7, 2026; changes you make take effect January 1, 2027.
- Before you pick, check each plan against your doctors and prescriptions on Medicare.gov's Plan Finder or by calling 1‑800‑MEDICARE.
That makes this fall a good time to open the mail from your plan — specifically the Annual Notice of Change (ANOC) — and compare it to what you actually use. The Annual Enrollment Period runs October 15 through December 7, 2026, and any change you make takes effect January 1, 2027. If you do nothing and your plan is returning, it simply renews with the updates described in the ANOC.
MyMedicarePlans.org is an independent news and education site. We are not Blue Cross and Blue Shield of North Carolina, and other carriers also sell Medicare Advantage plans in this county — 11 of them for 2027, offering 89 plans in all when every carrier is counted together.
What Blue Cross NC is offering in Charlotte for 2027
Charlotte is in Mecklenburg County, where Medicare Advantage availability is set. For plan year 2027, Blue Cross and Blue Shield of North Carolina's lineup here breaks down this way:
- HMO plans: 1
- HMO-POS plans: 4
- PPO plans: 2
- Special Needs Plans: 1 (a D-SNP)
- Plans that include drug coverage: 7 (all of them)
The seven plans, listed alphabetically, are: Blue Medicare Enhanced (HMO-POS), Blue Medicare Essential (HMO), Blue Medicare Essential Plus (HMO-POS), Blue Medicare Freedom+ (PPO), Blue Medicare Medical Only (HMO-POS), Blue Medicare PPO Enhanced (PPO), and Healthy Blue + Medicare (HMO-POS D-SNP). The table below lists each plan with its type and whether it includes drug coverage.
What's new, and what's not returning
Compared with the carrier's 2026 lineup in Mecklenburg County:
- Not returning for 2027: 1 plan. If you are currently enrolled in a Blue Cross NC plan that is leaving, you should receive a non-renewal notice explaining your options. You will have a Special Enrollment Period to pick a different plan.
- New for 2027: 0 plans.
- Renamed: 0 plans. The names on your 2026 card should still be on the 2027 list — minus the one that is going away.
Even when a plan name stays the same from one year to the next, the details inside can shift. The ANOC is the document that spells those changes out, side by side.
How the plan types differ
The seven Blue Cross NC plans in Charlotte come in three structures:
- HMO generally asks you to use the plan's network and get a referral to see specialists.
- HMO-POS is similar but has a "point-of-service" option that lets you go out of network for certain services, usually at a higher cost.
- PPO gives you more flexibility to see providers outside the network, usually with a higher share of the cost.
- D-SNP (Dual Eligible Special Needs Plan) is designed for people who have both Medicare and Medicaid. Eligibility rules apply.
Which structure fits you depends on how you use care — not on which name sounds best.
How to check a plan against your doctors and drugs before December 7
Four steps that make the comparison concrete:
1. Read the ANOC your current plan mailed in September. It lists exactly what is changing for 2027. 2. List your doctors, hospitals and pharmacies. Confirm each one is in the plan's 2027 network. Networks can change year to year. 3. List your prescriptions, with doses. Each plan's drug list (formulary) can change for 2027, including which tier a drug sits on and whether it needs prior authorization. 4. Run it on Medicare.gov's Plan Finder. Enter your ZIP code and your drugs, and the tool will show you side-by-side estimates for every plan available in Mecklenburg County — not just Blue Cross NC's — using the plan's own 2027 details.
If you prefer the phone, call 1‑800‑MEDICARE (TTY 1‑877‑486‑2048), 24 hours a day, seven days a week.
2027 drug-cost rules worth knowing
Whether you stay with Blue Cross NC or look at another carrier, these Part D figures apply to every plan with drug coverage next year:
- Part D out-of-pocket cap: $2,400 in 2027 (up from $2,100 in 2026). Once your out-of-pocket drug spending hits that amount, you pay $0 for covered drugs for the rest of the year.
- Part D maximum deductible: $700 in 2027 (up from $615 in 2026). Individual plans can set a lower deductible.
- Medicare Prescription Payment Plan: an optional program that lets you spread your drug costs across the year in monthly bills instead of paying them at the pharmacy counter.
The 2027 Part B standard premium, Part B deductible and IRMAA income brackets have not been announced yet. CMS typically publishes those figures later in the fall.
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
Blue Cross and Blue Shield of North Carolina Medicare Advantage plans in Mecklenburg County for 2027
CMS lists 7 Blue Cross and Blue Shield of North Carolina Medicare Advantage plans in Mecklenburg County for 2027, alphabetically by carrier. 11 other carriers also offer plans there.
| Plan | Type | Drug coverage | For 2027 |
|---|---|---|---|
| Blue Cross and Blue Shield of North Carolina 7 plans | |||
| Blue Medicare Enhanced (HMO-POS) | HMO-POS | Yes | Returning |
| Blue Medicare Essential (HMO) | HMO | Yes | Returning |
| Blue Medicare Essential Plus (HMO-POS) | HMO-POS | Yes | Returning |
| Blue Medicare Freedom+ (PPO) | PPO | Yes | Returning |
| Blue Medicare Medical Only (HMO-POS) | HMO-POS | Yes | Returning |
| Blue Medicare PPO Enhanced (PPO) | PPO | Yes | Returning |
| Healthy Blue + Medicare (HMO-POS D-SNP) | HMO-POS D-SNP | 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 Blue Cross and Blue Shield of North Carolina 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.
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The parts of Medicare
Good to know
Frequently asked questions
What happens if I do nothing by December 7?
How do I know if my Blue Cross NC plan is the one not returning?
Can I change my mind after December 7?
Does this article cover every Medicare Advantage plan in Charlotte?
- 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
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This page was last updated: October 2026.