Medicare Advantage

Before AEP ends Dec. 7: 98 Greensboro MA plans

Guilford County has 97 Medicare Advantage plans for 2027. Compared with 2026, 15 plans are not coming back, 14 are new, and 41 continuing plans changed in some way you should check before December 7, 16 of them under a new name. This guide covers what those numbers mean for Greensboro, not which plan to pick.

Shopping for a 2027 Medicare Advantage plan in Greensboro? The lineup is set. Greensboro sits in Guilford County, where the Centers for Medicare & Medicaid Services (CMS) lists 81 Medicare Advantage plans from 13 different carriers for the 2027 plan year. This article walks through the roster carrier by carrier, tells you what plan type each one is (HMO, HMO-POS or PPO), and confirms whether it includes drug coverage — so you can see the full landscape before you compare details on your own.

How to read the plan roster

Medicare Advantage availability is set by county, not by ZIP code or city. So when you see "Greensboro plans," what CMS is really telling you is which plans are sold in Guilford County. If you live in Greensboro, that is your list.

Every plan in the table below is a Medicare Advantage plan with Part D drug coverage included (an "MA-PD"). None of the 98 are medical-only. There are also no stand-alone Part D drug plans listed here — those are a separate product you would only pair with Original Medicare, not with a Medicare Advantage plan.

You will see three plan types in the roster:

• HMO — you generally use the plan's network and pick a primary care doctor.
• HMO-POS — an HMO with a "point of service" option to go out of network for certain services.
• PPO — more flexibility to see out-of-network providers, usually at a higher cost share.

Some plans are labeled D-SNP, C-SNP or I-SNP. Those are Special Needs Plans, limited to people who qualify — for example, people who have both Medicare and Medicaid (D-SNP), a specific chronic condition like diabetes or heart disease (C-SNP), or who live in a nursing home (I-SNP).

The carriers offering Medicare Advantage in Guilford County

Thirteen carriers are selling MA-PD plans in the county for 2027. In alphabetical order, and with the number of plans each is offering:

• Aetna (CVS Health): 10 plans (HMO and PPO; 2 Special Needs)
• Alignment Health Plan: 7 plans (HMO, HMO-POS and PPO; 3 Special Needs)
• Blue Cross and Blue Shield of North Carolina: 8 plans (HMO, HMO-POS and PPO; 1 Special Needs)
• Blue Cross Blue Shield (HCSC): 8 plans (HMO and PPO; 2 Special Needs)
• Centene (WellCare): 9 plans (HMO-POS and PPO; 4 Special Needs)
• Devoted Health: 10 plans (HMO and PPO; 5 Special Needs)
• HealthTeam Advantage: 5 plans (HMO and PPO; 1 Special Needs)
• Humana: 19 plans (HMO, HMO-POS and PPO; 6 Special Needs)
• Liberty Medicare Advantage: 3 plans (HMO; 3 Special Needs)
• Longevity Health Plan: 1 plan (HMO; 1 Special Needs)
• Provider Partners Health Plans: 3 plans (HMO; 3 Special Needs)
• UnitedHealthcare: 15 plans (HMO-POS and PPO; 7 Special Needs)

The table below lists every plan by carrier with its plan type and drug-coverage status.

What is on the shelf, by carrier

A quick tour so you can spot the names you already recognize:

• Aetna's Greensboro lineup includes plans such as Aetna Medicare Prime (HMO), Aetna Medicare Signature (PPO) and two dual-eligible plans, Aetna Medicare Dual (HMO D-SNP) and Aetna Medicare Full Dual Care (HMO D-SNP).
• Alignment Health Plan's local mix runs from Alignment Health smartHMO (HMO) and Alignment Health AVA (PPO) to condition-specific plans like Alignment Health Heart & Diabetes Care (HMO C-SNP).
• Blue Cross and Blue Shield of North Carolina offers Blue Medicare-branded plans, including Blue Medicare Choice (HMO), Blue Medicare Freedom+ (PPO) and Healthy Blue + Medicare (HMO-POS D-SNP).
• HCSC uses the HealthSpring brand, with plans such as HealthSpring Preferred (HMO) and HealthSpring True Choice (PPO).
• Centene sells the Wellcare brand, including Wellcare Simple (HMO-POS) and several dual-eligible plans like Wellcare Dual Access (HMO-POS D-SNP).
• Devoted Health's local plans include DEVOTED CORE 001 NC (HMO) and DEVOTED CHOICE 003 NC (PPO), along with dual and chronic-condition SNPs.
• HealthTeam Advantage is a Greensboro-area carrier with plans such as HealthTeam Advantage Plan I (PPO) and HealthTeam Advantage Diabetes & Heart Care (HMO C-SNP).
• Humana offers the largest count locally, from HumanaChoice PPOs to Humana Gold Plus HMO-POS plans and Humana Dual Select D-SNPs.
• Liberty Medicare Advantage, Longevity Health Plan and Provider Partners Health Plans each focus on Special Needs Plans, including nursing-home I-SNPs.
• UnitedHealthcare's plans are branded AARP Medicare Advantage (such as AARP Medicare Advantage from UHC NC-0015 (HMO-POS)) and UHC Dual Complete for people with both Medicare and Medicaid.

Again — the table has every plan name, plan type and drug-coverage note. No premiums, copays or star ratings are shown here because those change often and are best read straight from the source.

How to use this list to decide

A long list can feel overwhelming, so try narrowing it in a few passes:

1. Start with your doctors and hospitals. Call the offices or check each plan's provider directory to see who is in network. This alone will shorten the list quickly. 2. Check your prescriptions. Every plan here includes drug coverage, but each plan has its own formulary. Enter your medications in the Plan Finder at medicare.gov to see how each plan handles them. 3. Match the plan type to how you like to get care. If you want the freedom to see specialists without referrals or use out-of-network providers, a PPO may fit. If you prefer a coordinated network with a primary care doctor, an HMO or HMO-POS may fit. 4. See if you qualify for an SNP. If you have Medicaid, a qualifying chronic condition, or live in a nursing facility, a Special Needs Plan may be an option worth comparing.

A few 2027 program facts worth knowing

These apply nationally and are useful context whether you keep your current plan or switch:

• The Part D out-of-pocket cap is $2,100 in 2026. Once your covered drug costs reach that amount, you pay $0 for covered drugs the rest of the year.
• The Part D maximum deductible is $615.
• The old coverage gap ("donut hole") is gone; Part D now has three phases.
• The Medicare Prescription Payment Plan lets you spread your drug costs over the year in monthly payments — it does not lower the total, just smooths it out.
• IRMAA income-based surcharges start above $109,000 for a single filer in 2026.
• Key dates: Annual Enrollment Period, Oct. 15 – Dec. 7, and **Medicare