Medicare Advantage
UnitedHealthcare Medicare Advantage in North Carolina for 2027: 29 Plans, County by County
RALEIGH, N.C. — For the 2027 plan year, UnitedHealthcare is listed in the federal Medicare Advantage Landscape with 29 Medicare Advantage plans available somewhere in North Carolina. Those plans show up on a county-by-county basis, which means the full statewide list is not the same as the menu any one reader will see at home. This explainer, published by an independent Medicare education site that is not the government and not affiliated with UnitedHealthcare or any other insurer, walks through what the CMS files show and how to check your own county before the Annual Enrollment Period ends on December 7, 2026.
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Key takeaways
- UnitedHealthcare has 29 Medicare Advantage plans listed statewide in North Carolina for 2027, including 20 HMO-POS and 9 PPO plans, and all 29 include drug coverage.
- A plan listed statewide may not be offered in your county, so confirm availability on Medicare.gov or by calling 1-800-MEDICARE before you enroll.
- The Annual Enrollment Period runs October 15 through December 7, 2026, and a choice made during that window takes effect January 1, 2027.
- UnitedHealthcare has 4 plans new for 2027 and 10 plans not returning for 2027, so current members should read any Annual Notice of Change they receive.
What UnitedHealthcare offers statewide for 2027
According to the CMS Medicare Advantage Landscape Source File for CY2027, UnitedHealthcare offers 29 Medicare Advantage plans somewhere in North Carolina. By plan type, that breaks down to 20 HMO-POS plans and 9 PPO plans. All 29 plans include Part D prescription drug coverage.
Within that count, UnitedHealthcare also lists Special Needs Plans for people who qualify: 7 Dual-eligible Special Needs Plans (D-SNPs) for members with both Medicare and Medicaid, 3 Chronic Condition Special Needs Plans (C-SNPs), and 1 Institutional Special Needs Plan (I-SNP). Special Needs Plans have eligibility rules of their own, and not everyone qualifies.
For context, 15 other carriers also offer Medicare Advantage plans in North Carolina for 2027, and all carriers combined account for 179 plans statewide.
Plans with the widest county reach
The CMS file shows how many of North Carolina's 100 counties each plan is offered in. Among UnitedHealthcare's 2027 lineup, the plans with the broadest county footprints include UHC Dual Advantage NC-V1 (HMO-POS D-SNP), UHC Dual Complete NC-Q1 (PPO D-SNP), and UHC Dual Complete NC-S2 (PPO D-SNP), each listed in 100 counties, and AARP Medicare Advantage Patriot No Rx NC-MA02 (HMO-POS), listed in 99 counties. Several others, including AARP Medicare Advantage from UHC NC-15 (HMO-POS) and UHC Complete Care NC-28 (HMO-POS C-SNP), appear in 42 counties.
Other plans in the lineup are narrower — some are listed in only a handful of counties. The full plan-by-plan county counts appear in the tables on this page; use those tables rather than assume a plan is sold where you live.
What is new and what is not returning
The 2027 Landscape marks 4 UnitedHealthcare plans as new for the year, and shows 10 UnitedHealthcare plans from 2026 that are not returning for 2027. The new entries in the file include UHC Dual Complete NC-Q2 (HMO-POS D-SNP) and UHC Dual Complete NC-S3 (HMO-POS D-SNP), each listed with two county groupings.
A few plans carry a "renamed" tag in the CMS data — for example, AARP Medicare Advantage from UHC NC-15 (HMO-POS) was previously AARP Medicare Advantage from UHC NC-0015 (HMO-POS); UHC Dual Advantage NC-V1 (HMO-POS D-SNP) was previously UHC Dual Complete NC-V001 (HMO-POS D-SNP); and UHC Dual Complete NC-Q1 (PPO D-SNP) was previously UHC Dual Complete NC-S001 (PPO D-SNP). A rename does not necessarily mean the plan is identical year to year, which is why reading the plan's own Annual Notice of Change and Evidence of Coverage matters.
If you are currently enrolled in a plan on the "not returning" list, you will generally need to pick a different plan during the Annual Enrollment Period or you may be moved back to Original Medicare at year-end. Your plan is required to send you written notice.
Checking whether a plan is offered in your county — and covers your doctors and prescriptions
Because Medicare Advantage is sold county by county, a plan listed in the statewide carrier block above may not be offered where you live. Three steps help:
1. Enter your ZIP code at Medicare.gov's Plan Finder to see the specific plans available in your county for 2027. 2. Add your prescriptions to Plan Finder so you can see how each plan treats your drugs on its own formulary. 3. Confirm your doctors, specialists, hospitals and preferred pharmacy with the plan's own provider and pharmacy directories, or by calling the plan directly. Networks can change from year to year even when the plan name does not.
For the official source documents, UnitedHealthcare's Summary of Benefits and Evidence of Coverage for each plan are the controlling records of what a plan covers in 2027.
What to do before December 7
The Annual Enrollment Period for 2027 coverage runs October 15 through December 7, 2026. A choice you make during that window takes effect January 1, 2027. A simple checklist:
- Read the Annual Notice of Change from your current plan, if you have one.
- List your doctors, hospitals, pharmacy and prescriptions.
- Compare your current plan to other options for 2027 on Medicare.gov.
- Confirm the plan you want is offered in your specific county.
- Enroll by December 7, 2026.
If you miss December 7, there is a Medicare Advantage Open Enrollment Period from January 1 through March 31, 2027, with more limited change options. People who qualify for Extra Help, Medicaid, or who have certain life events may have Special Enrollment Periods outside those windows.
Where to get free help
For official, unbiased help, use Medicare.gov to compare plans in your county, or call 1-800-MEDICARE (1-800-633-4227), which is open 24 hours a day, 7 days a week. These are the federal government's own tools and are free to use.
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
UnitedHealthcare Medicare Advantage plans in North Carolina for 2027
CMS lists 29 UnitedHealthcare 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 |
|---|---|---|---|
| UnitedHealthcare 29 plans | |||
| UHC Dual Advantage NC-V1 (HMO-POS D-SNP) | HMO-POS D-SNP | Yes | 100 |
| UHC Dual Complete NC-Q1 (PPO D-SNP) | PPO D-SNP | Yes | 100 |
| UHC Dual Complete NC-S2 (PPO D-SNP) | PPO D-SNP | Yes | 100 |
| AARP Medicare Advantage Patriot No Rx NC-MA02 (HMO-POS) | HMO-POS | Yes | 99 |
| UHC Dual Complete NC-Q2 (HMO-POS D-SNP) | HMO-POS D-SNP | Yes | 87 |
| UHC Dual Complete NC-S3 (HMO-POS D-SNP) | HMO-POS D-SNP | Yes | 87 |
| AARP Medicare Advantage from UHC NC-15 (HMO-POS) | HMO-POS | Yes | 42 |
| UHC Complete Care NC-28 (HMO-POS C-SNP) | HMO-POS C-SNP | Yes | 42 |
| AARP Medicare Advantage from UHC NC-0001 (PPO) | PPO | Yes | 40 |
| AARP Medicare Advantage from UHC NC-0004 (PPO) | PPO | Yes | 40 |
| AARP Medicare Advantage Patriot No Rx NC-MA01 (PPO) | PPO | Yes | 39 |
| AARP Medicare Advantage from UHC NC-0016 (PPO) | PPO | Yes | 36 |
| AARP Medicare Advantage from UHC NC-0017 (PPO) | PPO | Yes | 36 |
| UHC Nursing Home Plan NC-F001 (PPO I-SNP) | PPO I-SNP | Yes | 34 |
| AARP Medicare Advantage from UHC NC-26 (HMO-POS) | HMO-POS | Yes | 33 |
| UHC Complete Care NC-27 (HMO-POS C-SNP) | HMO-POS C-SNP | Yes | 33 |
| AARP Medicare Advantage from UHC NC-0019 (PPO) | PPO | Yes | 30 |
| AARP Medicare Advantage from UHC NC-0021 (HMO-POS) | HMO-POS | Yes | 30 |
| AARP Medicare Advantage from UHC NC-0022 (HMO-POS) | HMO-POS | Yes | 30 |
| AARP Medicare Advantage from UHC NC-24 (HMO-POS) | HMO-POS | Yes | 25 |
| UHC Complete Care NC-25 (HMO-POS C-SNP) | HMO-POS C-SNP | Yes | 25 |
| AARP Medicare Advantage Giveback from UHC NC-14 (HMO-POS) | HMO-POS | Yes | 20 |
| AARP Medicare Advantage Giveback from UHC NC-13 (HMO-POS) | HMO-POS | Yes | 18 |
| AARP Medicare Advantage from UHC NC-0009 (HMO-POS) | HMO-POS | Yes | 17 |
| AARP Medicare Advantage from UHC NC-0011 (HMO-POS) | HMO-POS | Yes | 14 |
| AARP Medicare Advantage from UHC NC-0012 (HMO-POS) | HMO-POS | Yes | 14 |
| UHC Dual Complete NC-Q2 (HMO-POS D-SNP) | HMO-POS D-SNP | Yes | 13 |
| UHC Dual Complete NC-S3 (HMO-POS D-SNP) | HMO-POS D-SNP | Yes | 13 |
| AARP Medicare Advantage from UHC NC-0007 (HMO-POS) | HMO-POS | Yes | 2 |
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 UnitedHealthcare 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 UnitedHealthcare Medicare Advantage plans are available in North Carolina for 2027?
When can I enroll for 2027 coverage?
What if my current UnitedHealthcare plan is not returning for 2027?
How do I know if a specific plan is sold in my county?
- 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.
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This page was last updated: October 2026.