Medicare Advantage plans in Pender, NC, 2027
Pender, North Carolina has 38 Medicare Advantage plans open to everyone for 2027 (35 in 2026) and 26 special needs plans, according to the CMS landscape files; 28 of the open plans have a $0 premium. 6 plans that served the county in 2026 end or leave it, with 610 members living here in September 2026.
What changes in Pender for 2027?
| In the county | 2026 | 2027 | Change |
|---|---|---|---|
| Plans open to everyone | 35 | 38 | ▲up 3 |
| Special needs plans | 25 | 26 | ▲up 1 |
| Plans with a $0 premium | 24 | 28 | ▲up 4 |
| Plans that lower the Part B premium | 15 | 16 | ▲up 1 |
| Median out-of-pocket limit | $7,450 | $8,700 | ▲up $1,250 |
Source: CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision); CMS plan benefit package files, 2027 and 2026.
Which plans can anyone in Pender join?
| Plan | Premium | Out-of-pocket limit | Part B reduction | 2026 stars |
|---|---|---|---|---|
| Blue Medicare Medical OnlyH3449-012 · HMO-POS | $0 | $3,900 | $35 | 4 of 5 |
| Humana Gold PlusH1036-335 · HMO-POS | $0 | $3,950 | $1 | 4.5 of 5 |
| Devoted Core 023 NCH5299-023 · HMO | $0 | $4,700 | none | 5 of 5 |
| HealthTeam Advantage Vitality PlanH9808-010 · PPO | $0 | $5,200 | none | 4.5 of 5 |
| Aetna Medicare Value PlusH3146-006 · HMO | $0 | $5,500 | none | 4.5 of 5 |
| Aetna Medicare SignatureH3146-049 · HMO | $0 | $5,900 | none | 4.5 of 5 |
| AARP Medicare Advantage from UHC NC-26H5253-187 · HMO-POS | $0 | $5,900 | none | 4 of 5 |
| Devoted Choice 008 NCH9700-008 · PPO | $0 | $5,900 | none | not rated (too new) |
| Aetna Medicare SignatureH5521-243 · PPO | $0 | $6,750 | none | 4.5 of 5 |
| Devoted Giveback Extras 042 NCH5299-042 · HMO | $0 | $7,100 | $70 | 5 of 5 |
| AARP Medicare Advantage from UHC NC-0001H2001-090 · PPO | $0 | $7,150 | none | 4.5 of 5 |
| Aetna Medicare EagleH5521-241 · PPO | $0 | $7,150 | $120 | 4.5 of 5 |
| Aetna Medicare Signature GivebackH5521-348 · PPO | $0 | $7,500 | $30 | 4.5 of 5 |
| HealthTeam Advantage Eagle PlanH9808-009 · PPO | $0 | $8,500 | $150 | 4.5 of 5 |
| AARP Medicare Advantage Patriot No Rx NC-MA01H2001-103 · PPO | $0 | $8,900 | $180 | 4.5 of 5 |
| Devoted Choice MA Only 007 NCH9700-007 · PPO | $0 | $9,250 | $184.70 | not rated (too new) |
| AARP Medicare Advantage Patriot No Rx NC-MA02H5253-040 · HMO-POS | $0 | $9,300 | $190 | 4 of 5 |
| Humana Gold PlusH1036-137 · HMO-POS | $0 | $9,850 | none | 4.5 of 5 |
| Humana Gold Plus GivebackH1036-343 · HMO-POS | $0 | $9,850 | $67 | 4.5 of 5 |
| Blue Medicare Freedom+H3404-004 · PPO | $0 | $9,850 | $76 | 4.5 of 5 |
Show the other 18 plans, by premium
| Plan | Premium | Out-of-pocket limit | Part B reduction | 2026 stars |
|---|---|---|---|---|
| Blue Medicare Essential PlusH3449-023 · HMO-POS | $0 | $9,850 | none | 4 of 5 |
| Blue Medicare EssentialH3449-027 · HMO | $0 | $9,850 | $51 | 4 of 5 |
| Devoted Giveback 024 NCH5299-024 · HMO | $0 | $9,850 | $161 | 5 of 5 |
| Humana USAA Honor GivebackH5525-065 · PPO | $0 | $9,850 | $165 | 3.5 of 5 |
| Humana Gold PlusH6622-061 · HMO-POS | $0 | $9,850 | none | 3.5 of 5 |
| Devoted Choice Giveback 009 NCH9700-009 · PPO | $0 | $9,850 | $163 | not rated (too new) |
| HumanaChoiceR0110-004 · Regional PPO | $0 | $9,850 | none | 3.5 of 5 |
| Humana USAA Honor GivebackR0110-006 · Regional PPO | $0 | $9,850 | $52 | 3.5 of 5 |
| HumanaChoiceH7617-122 · PPO | $13 | $9,850 | none | 4.5 of 5 |
| HumanaChoiceH5525-070 · PPO | $13.30 | $9,850 | none | 3.5 of 5 |
| Aetna Medicare EnhancedH5521-169 · PPO | $24 | $5,900 | none | 4.5 of 5 |
| AARP Medicare Advantage from UHC NC-0019H2406-115 · PPO | $31 | $7,150 | none | 4 of 5 |
| AARP Medicare Advantage from UHC NC-0004H2001-102 · PPO | $34 | $6,900 | none | 4.5 of 5 |
| HumanaChoiceH5525-049 · PPO | $52 | $9,850 | none | 3.5 of 5 |
| Blue Medicare EnhancedH3449-024 · HMO-POS | $57 | $4,900 | none | 4 of 5 |
| Blue Medicare PPO EnhancedH3404-003 · PPO | $70 | $6,900 | none | 4.5 of 5 |
| Humana Full AccessH5525-034 · PPO | $148 | $9,850 | none | 3.5 of 5 |
| Humana Full AccessR0110-005 · Regional PPO | $158 | $9,850 | none | 3.5 of 5 |
Source: CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision); CMS plan benefit package files, 2027 and 2026. Stars are the contract's 2026 rating. confirm on Medicare Plan Finder.
Which plans leave Pender in 2027?
Members of these plans here choose a 2027 plan during open enrollment, October 15 to December 7, 2026; choosing by December 31 means no gap; because their plan is leaving the county, they can still join until the end of February 2027, with coverage from the first of the next month. Each plan's page says what happens to its members.
| 2026 plan | Members here, Sept. 2026 | For 2027 |
|---|---|---|
| HumanaChoice GivebackH5525-035 | 537 | Leaves the county |
| HumanaChoiceH5525-050 | 40 | Not offered |
| HumanaChoiceH5525-083 | 21 | Not offered |
| AARP Medicare Advantage Access from UHC NC-23H2001-084 | 12 | Not offered |
| Provider Partners North Carolina Community PlanH4439-002 | fewer than 11 | Not offered |
| Provider Partners North Carolina Essential PlanH4439-003 | fewer than 11 | Not offered |
Source: CMS plan crosswalk from 2026 to 2027 (Oct. 1, 2026); CMS monthly enrollment by plan and by county, September 2026 (CMS hides counts under 11); CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision).
Which special needs plans are sold here?
Open only to people with Medicaid as well as Medicare, with certain chronic conditions, or living in an institution.
| Plan | Who can join | Premium |
|---|---|---|
| Provider Partners North Carolina Community PlanH4439-004 | Institutional | $0 |
| Liberty Medicare AdvantageH6351-004 | Chronic or Disabling Condition | $0 |
| UHC Complete Care NC-27H5253-188 | Chronic or Disabling Condition | $0 |
| Devoted C-SNP Enhanced 014 NCH5299-014 | Chronic or Disabling Condition | $0 |
| Devoted Dual 009 NCH5299-009 | Dual-Eligible | $0 |
| Devoted C-SNP Giveback Extras 033 NCH5299-033 | Chronic or Disabling Condition | $0 |
| Humana Gold Plus SNP-DEH1036-167 | Dual-Eligible | $0 |
| Humana Dual SelectH1036-307 | Dual-Eligible | $0 |
| Humana Gold Plus: Diabetes and HeartH1036-308 | Chronic or Disabling Condition | $0 |
| Humana Gold Plus SNP-DEH1036-331 | Dual-Eligible | $0 |
| UHC Dual Complete NC-Q1H1889-005 | Dual-Eligible | $0 |
| UHC Dual Complete NC-S2H1889-034 | Dual-Eligible | $0 |
| Aetna Medicare Full DualH3146-002 | Dual-Eligible | $0 |
| UHC Dual Complete NC-Q2H5253-217 | Dual-Eligible | $0 |
| Devoted Dual Plus 006 NCH5299-006 | Dual-Eligible | $0 |
| Devoted Dual Full 013 NCH5299-013 | Dual-Eligible | $0 |
| Devoted C-SNP Plus 015 NCH5299-015 | Chronic or Disabling Condition | $0 |
| HumanaChoice SNP-DEH5525-036 | Dual-Eligible | $0 |
| UHC Dual Complete NC-S3H5253-216 | Dual-Eligible | $3.80 |
| Healthy Blue + MedicareH9147-001 | Dual-Eligible | $13.20 |
Show the other 6 special needs plans
| Plan | Who can join | Premium |
|---|---|---|
| UHC Dual Advantage NC-V1H5253-116 | Dual-Eligible | $13.30 |
| Liberty Medicare Advantage Nursing Home PlanH6351-001 | Institutional | $13.30 |
| Provider Partners North Carolina Advantage PlanH4439-001 | Institutional | $13.30 |
| Provider Partners North Carolina Essential PlanH4439-005 | Institutional | $13.30 |
| Humana Dual SelectH5525-072 | Dual-Eligible | $13.30 |
| Liberty Medicare Dual PlanH6351-005 | Dual-Eligible | $17.50 |
Source: CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision).
How many people in Pender use Medicare Advantage?
8,359 of the county's 15,934 people with Medicare were in a Medicare Advantage plan in September 2026, 52.5%; in North Carolina as a whole the share is 57.9%.
Source: CMS Medicare Advantage state and county penetration, September 2026.
What else should you check?
- Medicare Advantage in North CarolinaEvery county of the state
- 11 stand-alone drug plans in North CarolinaIf you keep Original Medicare
- Is your plan ending?Every plan not offered in 2027