Medicare Advantage

Fayetteville's 2027 Medicare Advantage lineup: all 55 plans, by carrier

For 2027, Fayetteville is looking at 64 Medicare Advantage plans: 8 new, 7 gone since 2026, and 25 still here but changed on premium, deductible, plan type or name, 9 of them under a new name. Below, how the lineup shifted in Cumberland County and what to compare, with no plan ranked or recommended.

Medicare AdvantageFayetteville, NC

Fayetteville shoppers weighing a Medicare Advantage plan for 2027 have a wide field to sort through. Fayetteville sits in Cumberland County, where the Centers for Medicare & Medicaid Services (CMS) lists 55 Medicare Advantage plans from 8 carriers for the 2027 plan year. Every plan on the county roster includes prescription drug coverage.

The full county roster is in the table below. This article walks through what is on it — which carriers offer plans here, what plan types (HMO, HMO-POS, PPO) are in the mix, and how many are Special Needs Plans — so you can go into the Medicare Plan Finder knowing what to expect.

Who sells Medicare Advantage in Cumberland County

Eight carriers offer Medicare Advantage plans in the county for 2027. In alphabetical order, they are:

• Aetna (CVS Health): 9 plans (HMO and PPO; 2 Special Needs Plans)
• Blue Cross and Blue Shield of North Carolina: 7 plans (HMO, HMO-POS, PPO; 1 Special Needs Plan)
• Centene (WellCare): 9 plans (HMO-POS and PPO; 4 Special Needs Plans)
• Humana: 18 plans (HMO, HMO-POS, PPO; 6 Special Needs Plans)
• Liberty Medicare Advantage: 3 plans (HMO; 3 Special Needs Plans)
• Longevity Health Plan: 1 plan (HMO; 1 Special Needs Plan)
• Troy Medicare: 2 plans (HMO; 1 Special Needs Plan)
• UnitedHealthcare: 14 plans (HMO-POS and PPO; 7 Special Needs Plans)

These counts come directly from the CMS Medicare Advantage Landscape Source File for plan year 2027. They do not tell you anything about price, network or quality — just what is on the shelf.

The plan types on offer

Medicare Advantage plans come in a few flavors, and Cumberland County has three of them for 2027:

• HMO (15 plans): You generally use a set network of doctors and hospitals and pick a primary care doctor.
• HMO-POS (20 plans): Like an HMO, but with a "point of service" option that lets you go out of network for certain services, usually at a higher cost.
• PPO (28 plans): More flexibility to see out-of-network providers, though in-network care usually costs less.

There are no local HMO Medicare Medical Savings Account (MSA) or Private Fee-for-Service (PFFS) plans on the 2027 county roster.

Special Needs Plans

Of the 63 plans in Cumberland County, 25 are Special Needs Plans (SNPs). These are Medicare Advantage plans built for people who fit a specific situation:

• D-SNP — for people who have both Medicare and Medicaid (dual-eligible).
• C-SNP — for people with certain chronic conditions, such as diabetes or heart disease.
• I-SNP — for people who live in a nursing home or need a similar level of care.

You have to meet the eligibility rules to enroll. If you are not sure whether you qualify, the plan or your local State Health Insurance Assistance Program (SHIP) can walk you through it.

Drug coverage is built in

All 63 Medicare Advantage plans on the Cumberland County roster include Part D prescription drug coverage (often written as "MA-PD"). CMS lists 0 stand-alone Part D plans tied to this county roster, but stand-alone Part D plans are sold on a statewide basis in North Carolina — if you stay on Original Medicare, you would shop for a Part D plan separately on medicare.gov.

A few Part D rules to keep in mind for 2027:

• The Part D out-of-pocket cap is $2,100 in 2026 ($2,400 in 2027) for the year.
• The maximum Part D deductible any plan can charge is $615 in 2026 ($700 in 2027).
• The old coverage gap ("donut hole") is gone as of 2025 — Part D now has three phases.
• The Medicare Prescription Payment Plan lets you spread your drug costs across the year in level monthly payments, if that helps your budget.

How to use the table

The table on this page lists every Medicare Advantage plan CMS shows as available in Cumberland County for 2027, in alphabetical order by carrier, along with each plan's type and whether it includes drug coverage. Use it as a starting point, not a final answer.

For the details that actually decide which plan fits — monthly premium, deductible, copays, the drug formulary, whether your doctors and preferred pharmacy are in network, and the plan's most recent Star Rating — go to the plan's own materials or to the Medicare Plan Finder at medicare.gov/plan-compare. Star Ratings are CMS's 1-to-5 quality score; they can help you compare, but they are not a recommendation.

Key dates to remember

• Annual Enrollment Period (AEP): October 15 – December 7. This is when most people join, switch or drop a Medicare Advantage or Part D plan for the coming year.
• Medicare Advantage Open Enrollment Period: January 1 – March 31. If you are already in a Medicare Advantage plan, you get one chance to switch to another Medicare Advantage plan or return to Original Medicare (with a Part D plan if you need one).

Higher-income beneficiaries may also owe an income-related monthly adjustment amount (IRMAA) on Part B and Part D. For 2026, IRMAA surcharges start above $109,000 in income for a single filer.