Medicare Advantage

Humana's 2027 Medicare Advantage plans in Charlotte: how to vet the lineup against your doctors and drugs

Charlotte, N.C. — Fall 2026. Humana's Medicare Advantage lineup for Mecklenburg County shifts a little for the plan year that starts Jan. 1, 2027: two plans are new, two are not coming back, and one keeps its structure but gets a new name. If you have a Humana plan now, that means the specifics in your Annual Notice of Change (ANOC) matter more than usual — and you have until Dec. 7, 2026 to make a different choice if you want one.

This article walks through Humana's full 2027 lineup in the county Charlotte sits in, how the plan types break down, which plans are Special Needs Plans, and how to check any plan against your own doctors and prescriptions before the deadline. MyMedicarePlans.org is an independent news and education site — we are not Humana, and Humana is not the only carrier here. Mecklenburg County has 11 other Medicare Advantage carriers for 2027, with 89 plans across all carriers.

How many Humana Medicare Advantage plans are offered in Charlotte for 2027?

Humana offers 21 Medicare Advantage plans in Mecklenburg County — the county Charlotte sits in — for the 2027 plan year, according to the CMS Landscape Source File. All 21 include Part D prescription drug coverage.

By plan type, the lineup breaks down as:

• 4 HMO plans
• 4 HMO-POS plans
• 12 PPO plans (several are regional PPOs)
• 1 PFFS (Private Fee-for-Service) plan

The table below lists every plan Humana offers in the county for 2027, with its plan type and whether it includes drug coverage.

Which Humana plans in Mecklenburg County are Special Needs Plans?

Six of Humana's 21 plans in the county for 2027 are Special Needs Plans (SNPs), which are built for people who meet specific eligibility rules.

• D-SNPs (Dual Eligible): five plans, for people who have both Medicare and Medicaid. In Humana's 2027 lineup these include Humana Dual Select H1036-307, Humana Dual Select H5525-072, Humana Gold Plus SNP-DE H1036-167, Humana Gold Plus SNP-DE H1036-331, and HumanaChoice SNP-DE H5525-036.
• C-SNP (Chronic Condition): one plan, Humana Gold Plus – Diabetes and Heart, which is open to people living with those conditions.
• I-SNP (Institutional): none from Humana in the county for 2027.

To join a D-SNP you generally need to be enrolled in North Carolina Medicaid; to join the C-SNP you need a qualifying diagnosis documented by a provider. Medicare.gov and 1-800-MEDICARE can confirm whether you qualify.

What is new, renamed, or not returning in Humana's 2027 Charlotte lineup?

Compared with 2026, Humana's Mecklenburg County lineup has three kinds of changes for 2027:

• New for 2027 (2 plans): Humana Gold Plus Giveback H1036-343 (HMO-POS) and HumanaChoice H7617-122 (PPO).
• Renamed (1 plan): Humana Full Access (Regional PPO) — previously listed as Humana Full Access R0110-005 (Regional PPO). The structure is the same product; the name is different.
• Not returning (2 plans): two Humana plans offered in 2026 are not in the 2027 lineup. If you are enrolled in one of them, your ANOC will tell you what Humana is offering as a replacement or whether you need to pick something else.

The ANOC that reached mailboxes and inboxes in September is where the actual 2027 cost and benefit details for your specific plan live. CMS does not let us publish those plan-level numbers here.

How do I check a Humana plan against my doctors and prescriptions before Dec. 7?

The fastest, most reliable check is the Medicare Plan Finder at medicare.gov, which pulls directly from each carrier's filings for 2027. Before you start, have three things handy:

1. Your drug list. Write down every prescription with the exact dose and how often you take it. The Plan Finder will show how each plan treats each drug under its 2027 formulary and let you compare total yearly drug costs. 2. Your preferred pharmacies. The same drug can cost a different amount at different pharmacies in the same plan's network. Enter the ones you actually use. 3. Your doctors and hospitals. The Plan Finder shows which plans a provider is in-network for, but confirm with the provider's office too — networks can shift between plan years. For HMO and HMO-POS plans, in-network care matters most; PPO plans typically allow out-of-network care at a higher share of cost.

You can also call 1-800-MEDICARE (1-800-633-4227), available 24/7, or read the plan's own Evidence of Coverage and provider and pharmacy directories on the carrier's website.

What are the key 2027 dates and figures I should know?

The Annual Enrollment Period runs Oct. 15 – Dec. 7, 2026, and any change you make takes effect Jan. 1, 2027. If you do nothing, your current plan renews for 2027 as described in your ANOC — assuming it is still offered.

A few program-level 2027 numbers CMS has already set:

• Part D out-of-pocket cap: $2,400 in 2027 (up from $2,100 in 2026).
• Part D maximum deductible: $700 in 2027 (up from $615 in 2026).
• Part D national base beneficiary premium: $41.33 for 2027 (this is a formula input, not what any specific plan charges).

The 2027 Part B standard premium and deductible, and the 2027 IRMAA income brackets, have not been announced yet. CMS typically publishes them later in the fall, usually in November.

If you miss Dec. 7 and you are in a Medicare Advantage plan, the Medicare Advantage Open Enrollment Period (Jan. 1 – March 31, 2027) gives you one more chance to switch MA plans or go back to Original Medicare.