Medicare Advantage
Enrolled with UnitedHealthcare in Durham? Read your ANOC
DURHAM, N.C. — As the Annual Enrollment Period for 2027 Medicare coverage runs through December 7, 2026, UnitedHealthcare is bringing 13 Medicare Advantage plans to Durham County next year, with two new plans, three not returning, and three renamed. If you are enrolled in a UnitedHealthcare plan today, the Annual Notice of Change (ANOC) that arrived in late September spells out exactly what is changing in your plan for 2027.
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Key takeaways
- UnitedHealthcare offers 13 Medicare Advantage plans in Durham County for 2027: 8 HMO-POS and 5 PPO.
- Seven of those are Special Needs Plans (5 D-SNP, 1 C-SNP, 1 I-SNP), and 12 of the 13 include drug coverage.
- Two UnitedHealthcare plans are new for 2027, three are not returning, and three were renamed — your ANOC has the specifics for your plan.
- You have until December 7, 2026 to compare plans against your doctors and medications on the Medicare Plan Finder at medicare.gov.
| Fact | Figure | Source |
|---|---|---|
| Medicare Advantage plans offered in Durham County (2026) | 74 | CMS |
| Medicare Advantage plans offered in Durham County (2027) | 69 | CMS |
| Plans not returning for 2027 / new for 2027 | 11 / 6 | CMS |
| Organizations offering Medicare Advantage in Durham County (2026) | 12 | CMS |
| Share of eligible beneficiaries in Medicare Advantage, Durham County | 52% | CMS |
| Residents age 65 and older, Durham County | 48,164 | 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. We are not UnitedHealthcare, and we are not the only carrier in town — 10 other carriers also offer Medicare Advantage plans in Durham County for 2027, for a combined 69 plans across all carriers.
How many UnitedHealthcare Medicare Advantage plans are offered in Durham for 2027?
UnitedHealthcare offers 13 Medicare Advantage plans in Durham County for 2027. By plan type, that breaks down to 8 HMO-POS plans and 5 PPO plans. Twelve of the 13 plans include Part D prescription drug coverage; one is offered without drug coverage.
Durham is in Durham County, and Medicare Advantage availability is set at the county level, so these counts apply to anyone with a Durham County ZIP code. The table below lists every UnitedHealthcare plan in the county for next year, with plan type and whether drug coverage is included.
What Special Needs Plans does UnitedHealthcare offer in Durham County for 2027?
Of UnitedHealthcare's 13 Durham County plans for 2027, 7 are Special Needs Plans (SNPs). That includes 5 Dual Eligible SNPs (D-SNPs) for people who have both Medicare and Medicaid, 1 Chronic Condition SNP (C-SNP), and 1 Institutional SNP (I-SNP) for people living in a nursing home.
The D-SNPs in the lineup are UHC Dual Advantage NC-V1, UHC Dual Complete NC-Q1, UHC Dual Complete NC-Q2, UHC Dual Complete NC-S2, and UHC Dual Complete NC-S3. The C-SNP is UHC Complete Care NC-28, and the I-SNP is UHC Nursing Home Plan NC-F001. SNPs have eligibility rules — you have to qualify to enroll — so medicare.gov or 1-800-MEDICARE can confirm whether you fit.
What is new, renamed or not returning from UnitedHealthcare in Durham for 2027?
Two UnitedHealthcare plans are new in Durham County for 2027: UHC Dual Complete NC-Q2 (HMO-POS D-SNP) and UHC Dual Complete NC-S3 (HMO-POS D-SNP). Three UnitedHealthcare plans that were offered in 2026 are not returning for 2027.
Three plans have new names for 2027 but are continuations of 2026 plans. AARP Medicare Advantage from UHC NC-15 was previously NC-0015. UHC Dual Advantage NC-V1 was previously UHC Dual Complete NC-V001. UHC Dual Complete NC-Q1 was previously UHC Dual Complete NC-S001. If your plan is not returning, Medicare gives you a Special Enrollment Period to choose a new plan — the notice from the carrier explains the window.
How do I check a UnitedHealthcare plan against my doctors and prescriptions before December 7?
Use the Medicare Plan Finder at medicare.gov. Enter your Durham ZIP code, type in each prescription with the dose, and pick your preferred pharmacy. The tool will show you plan-by-plan what the drug would cost under each plan's formulary and whether your pharmacy is in the preferred network.
For doctors and hospitals, check the plan's own provider directory on the UnitedHealthcare site, or call the plan and ask whether a specific provider is in network for the 2027 plan year — networks can shift from one year to the next. If you would rather talk to someone, 1-800-MEDICARE is open 24 hours a day, 7 days a week.
What else is changing in Medicare for 2027?
A few program-level numbers are already set for 2027. The Part D out-of-pocket cap rises to $2,400 in 2027 (up from $2,100 in 2026). The Part D maximum deductible is $700 in 2027 (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 what any plan actually charges.
A few 2027 numbers have not been announced yet. CMS publishes the 2027 Part B standard premium and deductible, and the 2027 IRMAA income brackets, later in the fall — usually in November. If nothing changes with your plan and you do nothing, your current plan simply renews January 1, 2027 with the changes described in the ANOC.
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 Durham County
(MA penetration in Durham 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
UnitedHealthcare Medicare Advantage plans in Durham County for 2027
CMS lists 13 UnitedHealthcare Medicare Advantage plans in Durham County for 2027, alphabetically by carrier. 10 other carriers also offer plans there.
| Plan | Type | Drug coverage | For 2027 |
|---|---|---|---|
| UnitedHealthcare 13 plans | |||
| AARP Medicare Advantage from UHC NC-0007 (HMO-POS) | HMO-POS | Yes | Returning |
| AARP Medicare Advantage from UHC NC-0016 (PPO) | PPO | Yes | Returning |
| AARP Medicare Advantage from UHC NC-0017 (PPO) | PPO | Yes | Returning |
| AARP Medicare Advantage from UHC NC-15 (HMO-POS) | HMO-POS | Yes | Renamed |
| AARP Medicare Advantage Giveback from UHC NC-14 (HMO-POS) | HMO-POS | Yes | Returning |
| AARP Medicare Advantage Patriot No Rx NC-MA02 (HMO-POS) | HMO-POS | No | Returning |
| UHC Complete Care NC-28 (HMO-POS C-SNP) | HMO-POS C-SNP | Yes | Returning |
| UHC Dual Advantage NC-V1 (HMO-POS D-SNP) | HMO-POS D-SNP | Yes | Renamed |
| UHC Dual Complete NC-Q1 (PPO D-SNP) | PPO D-SNP | Yes | Renamed |
| UHC Dual Complete NC-Q2 (HMO-POS D-SNP) | HMO-POS D-SNP | Yes | New |
| UHC Dual Complete NC-S2 (PPO D-SNP) | PPO D-SNP | Yes | Returning |
| UHC Dual Complete NC-S3 (HMO-POS D-SNP) | HMO-POS D-SNP | Yes | New |
| UHC Nursing Home Plan NC-F001 (PPO I-SNP) | PPO I-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 UnitedHealthcare Medicare Advantage plans in Durham 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 Period (Open Enrollment)Anyone 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
Do I have to do anything if I like my UnitedHealthcare plan?
What happens if my UnitedHealthcare plan is one of the three not returning in Durham for 2027?
Are there other carriers besides UnitedHealthcare in Durham County?
When is the deadline to change plans for 2027 coverage?
Watch
The Medicare Advantage changes for 2027 in North Carolina, in 29 seconds
- 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 Durham
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 Durham County plan counts, plan types, SNP designations, and the new, not-returning and renamed plan details for UnitedHealthcare.
- Medicare.gov: the Annual Enrollment Period dates, the Medicare Plan Finder tool, and the Medicare Prescription Payment Plan.
- CMS: the 2026 and 2027 Part D out-of-pocket cap, maximum deductible and national base beneficiary premium figures.
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.