Medicare Advantage
Humana Medicare Advantage in North Carolina for 2027: 31 Plans, County by County
RALEIGH, N.C. — For the 2027 plan year, Humana is offering 31 Medicare Advantage plans across North Carolina, according to the Centers for Medicare & Medicaid Services Landscape Source Files. That count includes a mix of HMO, HMO-POS, PPO and PFFS options, several Special Needs Plans, and every one of them includes drug coverage. Humana is one of 16 carriers offering Medicare Advantage in the state next year, which together list 179 plans.
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Key takeaways
- Humana lists 31 Medicare Advantage plans in North Carolina for 2027, and all 31 include drug coverage.
- The lineup includes 6 D-SNPs and 1 C-SNP for people who qualify, and no I-SNPs.
- Two plans are new for 2027 and two are not returning, so some members will get a plan notice from Humana in the fall of 2026.
- The Annual Enrollment Period runs October 15 through December 7, 2026, and a choice made then takes effect January 1, 2027.
| Fact | Figure | Source |
|---|---|---|
| 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.
Plans are offered county by county. A plan listed statewide may or may not be available where you live, so the county-by-county table on this page is the place to check your own ZIP code. This site is independent — it is not Humana, not any insurance carrier, and not the government.
What is Humana offering in North Carolina for 2027?
Humana has 31 Medicare Advantage plans available somewhere in North Carolina for 2027. The breakdown by plan type is 4 HMO, 12 HMO-POS, 14 PPO and 1 PFFS. All 31 plans include Part D drug coverage.
Within that total, Humana lists 7 Special Needs Plans: 6 Dual-Eligible SNPs (D-SNPs) for people who have both Medicare and Medicaid, and 1 Chronic Condition SNP (C-SNP) built around diabetes and heart conditions. There are no Institutional SNPs. SNPs have their own eligibility rules, so enrollment is limited to people who meet them.
For context on the wider market, CMS lists 179 Medicare Advantage plans in North Carolina for 2027 from 16 carriers in total. Humana is one of those carriers.
Which Humana plans reach the most North Carolina counties in 2027?
Several Humana plans are listed in nearly every North Carolina county for 2027, while others are built for just a handful of counties. According to the CMS Landscape file, the Humana plans with the widest county reach next year include Humana Full Access (Regional PPO), HumanaChoice R0110-004 (Regional PPO) and Humana USAA Honor Giveback (Regional PPO), each listed in 100 counties, and Humana Dual Select H5525-072 (PPO D-SNP), Humana USAA Honor Giveback (PPO) and HumanaChoice H5525-070 (PPO), each listed in 97 counties.
On the narrower end, plans such as Humana Gold Plus H1036-233 (HMO-POS), Humana Gold Plus H6622-057 (HMO-POS) and Humana Full Access H5525-034 (PPO) are listed in only a few counties each. The full plan-by-plan county counts are in the table on this page; use it rather than assuming a statewide plan automatically reaches your county.
What is new or not returning from Humana in North Carolina for 2027?
Humana is adding 2 new plans in North Carolina for 2027 and is not returning 2 plans it offered in 2026. The new entries listed in the CMS file are Humana Gold Plus Giveback H1036-343 (HMO-POS), listed in 76 counties, and HumanaChoice H7617-122 (PPO), listed in 79 counties. The file also shows one renamed plan: Humana Full Access (Regional PPO), previously listed as Humana Full Access R0110-005 (Regional PPO).
If a plan is not returning for 2027, Humana is required to send a non-renewal notice to affected members in the fall of 2026. That notice explains the end date of current coverage and the special enrollment rights that come with it. If you receive one, keep it — it tells you how long you have to pick a new plan and when the change takes effect.
How do I check whether a Humana plan is offered in my North Carolina county and covers my doctors and drugs?
The reliable way to check a plan in your North Carolina county for 2027 is the Medicare Plan Finder at medicare.gov, which lets you enter your ZIP code and see every plan available at your address. You can also call 1-800-MEDICARE, which is open 24 hours a day, 7 days a week.
Three things worth confirming before you enroll in any plan:
1. County availability. A plan listed statewide — for example, any of the plans in the table on this page — may not be offered in your county. Plan Finder confirms this at the ZIP level. 2. Your doctors and hospitals. Call the plan or check its provider directory to confirm the specific providers you use are in-network for 2027. 3. Your prescriptions. Enter each drug, dose and pharmacy into Plan Finder, or ask the plan to walk you through its 2027 formulary. Drug lists and tiers can change from one year to the next.
Keep notes of who you spoke to and when. If something you were told turns out to be wrong, that record matters.
What should North Carolina Medicare beneficiaries do before December 7, 2026?
The Annual Enrollment Period for 2027 coverage runs from October 15 through December 7, 2026, and any choice you make in that window takes effect January 1, 2027. There is no need to rush — the dates are fixed and every plan is treated the same within them.
A useful order of operations:
- In September or October 2026, read the Annual Notice of Change (ANOC) from your current plan if you have one. It describes what is changing for 2027.
- Make a short list of your doctors, hospitals, pharmacies and prescriptions.
- Compare your current plan with others available in your county using Plan Finder.
- Enroll by December 7, 2026 if you want to make a change for January 1, 2027.
If your current plan is not returning, you have additional time through a Special Enrollment Period, which the non-renewal notice will spell out.
Where can North Carolina residents get free help with Medicare questions?
Free, official help is available year-round from Medicare itself. The two primary channels are medicare.gov, which hosts the Plan Finder and plan documents, and 1-800-MEDICARE (1-800-633-4227), which is staffed 24 hours a day, 7 days a week and can answer questions in multiple languages.
For Social Security questions — enrollment in Part A and Part B, late enrollment penalties, or the Extra Help program for drug costs — contact the Social Security Administration at ssa.gov or 1-800-772-1213.
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.
2027 plan lineup
Humana Medicare Advantage plans in North Carolina for 2027
CMS lists 31 Humana Medicare Advantage plans across North Carolina for 2027, alphabetically by carrier, widest county reach first. 15 other carriers also offer plans there.
| Plan | Type | Drug coverage | Counties |
|---|---|---|---|
| Humana 31 plans | |||
| Humana Full Access (Regional PPO) | PPO | Yes | 100 |
| Humana USAA Honor Giveback (Regional PPO) | PPO | Yes | 100 |
| HumanaChoice R0110-004 (Regional PPO) | PPO | Yes | 100 |
| Humana Dual Select H5525-072 (PPO D-SNP) | PPO D-SNP | Yes | 97 |
| Humana USAA Honor Giveback (PPO) | PPO | Yes | 97 |
| HumanaChoice H5525-070 (PPO) | PPO | Yes | 97 |
| Humana Dual Select H1036-307 (HMO D-SNP) | HMO D-SNP | Yes | 96 |
| Humana Gold Plus - Diabetes and Heart (HMO C-SNP) | HMO C-SNP | Yes | 96 |
| Humana Gold Plus SNP-DE H1036-167 (HMO D-SNP) | HMO D-SNP | Yes | 96 |
| Humana Gold Plus SNP-DE H1036-331 (HMO D-SNP) | HMO D-SNP | Yes | 96 |
| HumanaChoice SNP-DE H5525-036 (PPO D-SNP) | PPO D-SNP | Yes | 95 |
| HumanaChoice Giveback H5525-035 (PPO) | PPO | Yes | 86 |
| HumanaChoice H7617-122 (PPO) | PPO | Yes | 79 |
| Humana Gold Plus Giveback H1036-343 (HMO-POS) | HMO-POS | Yes | 76 |
| Humana Gold Plus H1036-137 (HMO-POS) | HMO-POS | Yes | 70 |
| Humana Gold Plus H1036-335 (HMO-POS) | HMO-POS | Yes | 62 |
| HumanaChoice H5216-211 (PPO) | PPO | Yes | 48 |
| HumanaChoice H5525-049 (PPO) | PPO | Yes | 46 |
| Humana USAA Honor Giveback (PPO) | PPO | Yes | 42 |
| Humana Gold Plus Giveback H1036-318 (HMO-POS) | HMO-POS | Yes | 40 |
| HumanaChoice Giveback H5216-017 (PPO) | PPO | Yes | 37 |
| Humana Gold Choice H8145-004 (PFFS) | PFFS | Yes | 17 |
| Humana Gold Plus H6622-026 (HMO-POS) | HMO-POS | Yes | 17 |
| Humana Dual Select H6622-027 (HMO-POS D-SNP) | HMO-POS D-SNP | Yes | 14 |
| Humana Gold Plus H6622-025 (HMO-POS) | HMO-POS | Yes | 13 |
| Humana Gold Plus H6622-060 (HMO-POS) | HMO-POS | Yes | 9 |
| Humana Gold Plus H1036-335 (HMO-POS) | HMO-POS | Yes | 7 |
| Humana Full Access H5525-034 (PPO) | PPO | Yes | 5 |
| Humana Gold Plus H6622-061 (HMO-POS) | HMO-POS | Yes | 5 |
| Humana Gold Plus H6622-057 (HMO-POS) | HMO-POS | Yes | 3 |
| Humana Gold Plus H1036-233 (HMO-POS) | HMO-POS | Yes | 1 |
Source: CMS Medicare Advantage Landscape Source Files, plan years 2026 and 2027. Plans are offered county by county; a plan listed for the state may not be offered in your county. 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 Humana Medicare Advantage plans across North Carolina 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. Plans are offered county by county; a plan listed for the state may not be offered in your county. 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.
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Frequently asked questions
How many Humana Medicare Advantage plans are offered in North Carolina for 2027?
Does Humana offer Special Needs Plans in North Carolina for 2027?
What happens if my Humana plan is not returning in 2027?
When do I need to decide for 2027 coverage?
- 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.
Sources and methodology
- 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
- CMS, Medicare Advantage and Part D Landscape Source Files
Figures cited in this article
- CMS — Medicare Advantage Landscape Source File (CY2027): Humana's North Carolina plan list, plan types, SNP counts, drug coverage and county-by-county availability.
- CMS — Medicare Advantage Landscape Source Files (CY2026 and CY2027): year-over-year comparison for new and non-returning Humana plans.
- Medicare.gov — Medicare enrollment periods: Annual Enrollment Period dates and January 1, 2027 effective date.
- Medicare.gov — Medicare Plan Finder: ZIP-level plan availability, provider and formulary lookups.
- Social Security Administration: Part A and Part B enrollment and Extra Help.
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.