Plan year 2027 · Medicare AdvantageCMS files of Sept. 22 and Oct. 1, 2026

Blue Medicare PPO Enhanced, 2027

H3404Contract003Plan

PPO · 82 counties in North Carolina

Run by Blue Cross and Blue Shield of North Carolina (contract H3404), sold as Blue Cross and Blue Shield of North Carolina, owned by CuraCor Solutions Corp.

Renews for 2027

2026 star rating, contract H3404: 4.5 of 5

Blue Medicare PPO Enhanced (H3404-003) costs $45 to $70 a month in 2027, up $10 from 2026, with an in-network out-of-pocket limit of $6,900 ($6,300 in 2026).

What changes from 2026 to 2027?

The changed lines are marked and come first. In-network amounts; members keep paying the Part B premium unless the plan reduces it. Where the plan files different amounts for parts of its area, the premium and limit show their range (your county's are in the table below). The plan files its benefits in parts for different counties, so lines marked ◆ show the most generous part of its area and some counties get less: the plan's Evidence of Coverage gives your county's amounts.
What you pay or get	2026	2027	Change
Monthly premium	$35 to $53	$45 to $70	up $10
In-network out-of-pocket limit	$6,300	$6,900	up $600
Drug deductible	$100	$700	up $600
Medical deductible, in network (best in its area)	none	$170	added
Hospital stay, in network (best in its area)	$350 a day for days 1–6, then $0 a day for days 7–90	$399 a day for days 1–6, then $0 a day for days 7–90	up $245for a 5-day stay
Skilled nursing facility, in network (best in its area)	$0 a day for days 1–20, then $218 a day for days 21–100	$10 a day for days 1–20, then $221 a day for days 21–100	up $230for a 30-day stay
Over-the-counter items, yearly (best in its area)	$160 a year	$136 a year	down $24
Drug tier 3, preferred brand	25% of the cost	21% of the cost	down 4 points
Drug tier 4, non-preferred drug	31% of the cost	26% of the cost	down 5 points
Drug tier 5, specialty tier	31% of the cost	25% of the cost	down 6 points
Drug tier 6, select care drugs	$1	$3	up $2
11 lines do not change
Part B premium reduction, monthly (best in its area)	none	none	no change
Primary care visit (best in its area)	$0 copay	$0 copay	no change
Specialist visit (best in its area)	$20 copay	$20 copay	no change
Emergency room (best in its area)	$130 copay	$130 copay	no change
Ground ambulance, in network (best in its area)	$250 copay	$250 copay	no change
Comprehensive dental, yearly limit (best in its area)	not offered	not offered	no change
Eyewear, yearly limit (best in its area)	not offered	not offered	no change
Hearing aids, yearly limit for both ears (best in its area)	not offered	not offered	no change
Counties served	82	82	no change
Drug tier 1, preferred generic	$15	$15	no change
Drug tier 2, generic	$20	$20	no change

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; CMS plan crosswalk from 2026 to 2027 (Oct. 1, 2026). Plan details can change during the year; confirm on Medicare Plan Finder.

What will prescriptions cost?

Your share for a 30-day supply at a retail pharmacy, as filed with CMS; tiers whose share changes are marked. The plan charges less at its preferred pharmacies
Tier	What the tier holds	2026, standard pharmacy	2027, standard pharmacy	2027, preferred pharmacy
Tier 1	Preferred Generic	$15	$15	$0
Tier 2	Generic	$20	$20	$4
Tier 3	Preferred Brand	25% of the cost	21% of the cost	21% of the cost
Tier 4	Non-Preferred Drug	31% of the cost	26% of the cost	26% of the cost
Tier 5	Specialty Tier	31% of the cost	25% of the cost	25% of the cost
Tier 6	Select Care Drugs	$1	$3	$0

Source: CMS plan benefit package files, 2027 and 2026. Insulin is capped at $35 a month by law. A drug's tier is set by the plan's formulary.

How does it compare with plans sold where it is?

In the counties it serves, 106 plans open to everyone are sold for 2027, this one included. Against the others, 49 plans have a lower out-of-pocket limit, 2 the same, 54 a higher one. On the premium, 97 plans have a lower premium, 8 a higher one.

Out-of-pocket limits of the 106 plans open to everyone

$0 to under $2,0000 plans

$2,000 to under $4,0006 plans

$4,000 to under $6,00032 plans

$6,000 to under $8,000 (this plan)27 plans

$8,000 to $10,00041 plans

Source: CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision).

Where is it sold, and what does it cost there?

82 counties, grouped by what the plan costs there
Monthly premium	Out-of-pocket limit	Where
$45	$6,900	Alamance (NC), Buncombe (NC), Burke (NC), Catawba (NC), Chatham (NC), Davidson (NC), Davie (NC), Forsyth (NC), Gaston (NC), Guilford (NC), Harnett (NC), Haywood (NC), Iredell (NC), Mecklenburg (NC), New Hanover (NC), Person (NC), Randolph (NC), Rockingham (NC), Stokes (NC), Wilkes (NC), Yadkin (NC)
$70	$6,900	Alexander (NC), Anson (NC), Avery (NC), Beaufort (NC), Bertie (NC), Bladen (NC), Brunswick (NC), Cabarrus (NC), Caldwell (NC), Caswell (NC), Chowan (NC), Cleveland (NC), Columbus (NC), Cumberland (NC), Currituck (NC), Duplin (NC), Durham (NC), Edgecombe (NC), Franklin (NC), Gates (NC), Granville (NC), Halifax (NC), Henderson (NC), Hertford (NC), Hoke (NC), Johnston (NC), Jones (NC), Lee (NC), Lenoir (NC), Lincoln (NC), Madison (NC), Martin (NC), McDowell (NC), Mitchell (NC), Montgomery (NC), Moore (NC), Nash (NC), Northampton (NC), Orange (NC), Pender (NC), Pitt (NC), Polk (NC), Richmond (NC), Robeson (NC), Rowan (NC), Rutherford (NC), Sampson (NC), Scotland (NC), Stanly (NC), Surry (NC), Swain (NC), Transylvania (NC), Union (NC), Vance (NC), Wake (NC), Warren (NC), Washington (NC), Watauga (NC), Wayne (NC), Wilson (NC), Yancey (NC)

Source: CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision).

Who runs this plan?

Plan ID: H3404-003
Legal name of the contract: Blue Cross and Blue Shield of North Carolina
Sold as: Blue Cross and Blue Shield of North Carolina
Parent company: CuraCor Solutions Corp.
Plan type: PPO
2026 star rating of the contract: 4.5 of 5 overall; health plan 4.5 of 5, drug plan 4 of 5
Members, September 2026: 33,215
Plan website, as filed with CMS: https://www.bluecrossnc.com/members/medicare

Source: CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision); CMS 2026 Star Ratings (October 2025); CMS monthly enrollment by plan and by county, September 2026 (CMS hides counts under 11). CMS publishes the 2027 Star Ratings in October 2026.

What else should you check?

Other 2027 plans in Wake, NCWhere most of its members live; premiums and limits side by side
Every Blue Cross and Blue Shield of North Carolina plan for 2027Its contracts, counties and plans that end
The other 1 plan of contract H3404Same company, same contract
Is your prescription covered?Coverage share and tier for 2,259 drugs

Data, not advice. These are the plan's filed amounts, not a quote for you; confirm on Medicare Plan Finder or call the plan before you enroll.