Compare Harnett County North Carolina
Medicare Advantage Plans

A Medicare Advantage Plan in Harnett County, NC can provide additional benefits above and beyond Original Medicare. There are 36 Medicare Advantage Plans (Part-C) available in Harnett County from 8 different health insurance providers to compare in 2023. 15 of these Medicare Advantage Plans offer additional gap coverage to help avoid the “donut hole”. The plan with the lowest out-of-pocket expense is $3250 and the highest out-of-pocket is $8300. Harnett County North Carolina qualifying beneficiaries can also pick from 13 Medicare Special Needs Plans. The highest rated Medicare Advantage Plan in Harnett County North Carolina received a 4.5 overall star rating from CMS.



Most Popular Plans by Enrollment in Harnett County, North Carolina

Plan Name Plan ID Marketing Name Monthly
Premium
Enrollment
Aetna Medicare Premier Plus Plan (PPO)
H5521-170
Aetna Medicare $0 27002
HumanaChoice R1390-002 (Regional PPO)
R1390-002
Humana $98.00 20554
HumanaChoice H5525-035 (PPO)
H5525-035
Humana $0 20341
Humana Honor (Regional PPO)
R1390-003
Humana $0 16932
AARP Medicare Advantage Patriot (HMO-POS)
H5253-040
UnitedHealthcare $0 13038


2023 Medicare Advantage Plans in Harnett County, NC

(Click the Plan Name for More Details)
(⇅ Click the Header to Sort)


Name ⇅ Monthly
Premium
Deductible MOOP Gap 2023 Plan
Stars
Rating
Wellcare Premium Enhanced Open (PPO)
(H7175-006)

$55.00 $100.00 $6,500 No
Wellcare No Premium Value (HMO)
(H0712-023)

$0 $150.00 $6,000 No
Wellcare No Premium Open (PPO)
(H7175-001)

$0 $150.00 $5,900 No
Wellcare No Premium (HMO)
(H4073-001)

$0 $150.00 $4,500 NoToo New
Wellcare Giveback Open (PPO)
(H7175-004)

$0 $250.00 $8,300 Yes
Wellcare Assist Open (PPO)
(H7175-003)

$14.00 $505.00 $8,300 No
Troy Medicare (HMO)
(H4676-001)

$0 $0 $4,500 Yes
HumanaChoice R1390-002 (Regional PPO)

$98.00 $480.00 $7,550 No
HumanaChoice H5525-050 (PPO)

$0 $250.00 $5,900 No
HumanaChoice H5525-049 (PPO)

$25.00 $0 $5,900 No
HumanaChoice H5525-035 (PPO)

$0 $265.00 $8,300 No
Humana Gold Plus H6622-060 (HMO-POS)

$0 $0 $4,200 No
FirstMedicare Direct PPO Plus (PPO)
(H8064-002)

$59.00 $0 $4,200 YesNA
FirstMedicare Direct POS Standard (HMO-POS)
(H6306-012)

$0 $150.00 $4,200 Yes
FirstMedicare Direct POS Plus (HMO-POS)
(H6306-011)

$35.00 $0 $3,250 Yes
Blue Medicare PPO Enhanced (PPO)
(H3404-003)

$49.00 $0 $5,650 Yes
Blue Medicare Essential Plus (HMO-POS)
(H3449-023)

$0 $150.00 $5,650 Yes
Blue Medicare Essential (HMO)
(H3449-027)

$0 $375.00 $7,500 Yes
Blue Medicare Enhanced (HMO-POS)
(H3449-024)

$49.00 $0 $3,700 Yes
Aetna Medicare Value Plan (PPO)
(H5521-169)

$18.00 $150.00 $4,950 Yes
Aetna Medicare Premier Plus Plan (PPO)
(H5521-170)

$0 $0 $4,500 Yes
Aetna Medicare Essential Plan (PPO)
(H5521-348)

$0 $200.00 $7,500 Yes
AARP Medicare Advantage Plan 2 (HMO-POS)
(H5253-103)

$0 $0 $5,900 Yes
AARP Medicare Advantage Plan 1 (HMO-POS)
(H5253-104)

$34.00 $0 $4,900 Yes
AARP Medicare Advantage Choice (PPO)
(H2577-017)

$0 $250.00 $6,700 Yes






North Carolina Part-C Plans Without Drug Coverage





Medicare Special Needs Plans in Harnett County North Carolina

Plan Name ⇅ Monthly
Premium
Part D
Deductible
 Gap  Special
Needs
Type
2023 Plan
Stars
Rating
Wellcare Dual Liberty Open (PPO D-SNP)
(H7175-002)
   $37.10 $505.00  No Dual-Eligible
Wellcare Dual Access Medicare (HMO D-SNP)
(H0712-025)
   $31.30 $505.00  No Dual-Eligible
Wellcare Dual Access (HMO D-SNP)
(H4073-002)
   $25.00 $505.00  No Dual-EligibleToo New
UnitedHealthcare Nursing Home Plan (PPO I-SNP)
(H0710-034)
   $38.40 $505.00  No Institutional
UnitedHealthcare Dual Complete Choice (PPO D-SNP)
(H1889-005)
   $38.40 $505.00  No Dual-Eligible
Troy Medicare for Dual-eligible Beneficiaries (HMO D-SNP)
(H4676-002)
   $38.40 $505.00  No Dual-Eligible
Longevity Health Plan (HMO I-SNP)
(H5374-001)
   $36.30 $505.00  No InstitutionalNA
Liberty Medicare Dual Plan (HMO D-SNP)
(H6351-005)
   $38.40 $505.00  No Dual-EligibleNA
Liberty Medicare Advantage Nursing Home Plan (HMO I-SNP)
(H6351-001)
   $38.40 $505.00  No InstitutionalNA
Liberty Medicare Advantage (HMO C-SNP)
(H6351-004)
   $0 $0  No Chronic or Disabling ConditionNA
HumanaChoice SNP-DE H5525-036 (PPO D-SNP)
(H5525-036)
   $38.40 $505.00  No Dual-Eligible
Healthy Blue + Medicare (HMO D-SNP)
(H9147-001)
   $38.40 $505.00  Yes Dual-EligibleNA
Aetna Medicare Assure Plan (HMO D-SNP)
(H3146-002)
   $20.80 $505.00  No Dual-Eligible



Types of MA Plan in NC


HMO - Health Maintenance Organization. A Health Maintenance Organization manages your Part A and Part B health insurance benefits. In most cases you need to choose a primary care doctor. Health Maintenance Organization's offers services through a network of contracted hospitals, doctors and other providers, and the plan pays the providers directly. You generally must receive all Healthcare from the plan providers or through referrals from the plan provider. Emergency care, and out-of-area urgent care is still covered. An HMO-POS plan allows you to get some services out-of-network.

PPO - Preferred Provider Organization. A Preferred Provider Organization offers a network of doctors, hospitals, and other providers you can choose from. Because providers are preferred, you can save money by using in network providers or usually pay a higher cost to use out-of-network providers. A primary care doctor is not required.

PFFS - Private Fee For Service. A Private Fee For Service plan allows you greater flexibility in choosing a North Carolina provider. You may obtain covered services from any Medicare eligible provider who is willing to accept the plan's terms. The Healthcare provider must agree to accept the plan's terms before each visit. Some of these plans have a network of approved providers that have agreed to treat plan members.

SNP - Special Needs Plan. A Special Needs Plan is for individuals who receive Medicare and Medicaid, have specific severe or disabling chronic conditions or reside in a licensed nursing home or skilled facility. SNP plans must provide prescription drug coverage to Harnett County North Carolina residents.

Cost - Cost Plan. A cost plan doesn't replace your Original Medicare. It offers additional benefits to Original Medicare. If the cost plan doesn't include prescription drug coverage, you can enroll in a Part-D plan separately.





Can I get help in the coverage gap in Harnett County, NC?


Yes. 15 Medicare Advantage Plans in Harnett County offer additional gap coverage. Once in the coverage gap, you’ll pay no more than 25% of the cost for brand-name and generic prescription drugs. If you choose a drug plan that includes coverage in the gap, you may get a discount applied to the drug's price.

Are there Medicare Advantage Plans in Harnett County, NC?


There are 36 Medicare Advantage Plans available in Harnett County, North Carolina from 8 different health insurance providers. These plans offer additional benefits that aren't available through Original Medicare. Medicare beneficiaries who are interested in a Part-C policy may choose among many plans to compare versus Haywood County Medicare Advantage Plans.



How much is a Medicare Plan in Harnett County, NC?


Individuals who are interested in a Medicare Advantage Plan in North Carolina may choose among many cost options depending on your necessary benefits. The lowest plan premium is $0 and the highest premium is $98. The deductibles in Harnett County range from $0-$505. The plan with the lowest out-of-pocket (MOOP) expense is $3250 and the highest out-of-pocket is $8300.



Things to consider when choosing a MA Plan in Harnett


  • Are you eligible for a Medicare Advantage Plan?

  • How much are the premiums, deductibles, and other costs?

  • Is there a yearly limit on what you could pay out-of-pocket?

  • Does the plan cover your prescription drugs?

  • Will you hit the prescription drug coverage gap?

  • Is your pharmacy in the plan’s network?

  • Will your prescription drugs require prior authorization?

  • How well does the plan cover the services you need like vision, hearing, or dental?

  • Are your doctors in-network?

  • Will you need to be referred to see a specialist?

  • Does the plan cover services from out-of-network providers?

  • How does the plan compare to your current coverage?

  • Do you want to juggle multiple Medicare plans?


Special Needs Plan in Harnett County Explained


C-SNP - Chronic Condition SNP. These plans help individuals receive customized care to fit their unique health care needs. You may qualify for C-SNP if you have one or more specific severe or disabling chronic conditions like:

  • Stroke
  • Certain neurologic disorders
  • Certain chronic and disabling mental health conditions
  • HIV/AIDS
  • Certain chronic lung disorders
  • Diabetes mellitus
  • End-Stage Renal Disease (ESRD)
  • End-stage liver disease
  • Certain severe hematologic disorders
  • Chronic alcohol and other drug dependence
  • Certain cardiovascular disorders
  • Cancer
  • Chronic heart failure
  • Certain autoimmune disorders
  • Dementia

I-SNP - Institutional SNP. These plans require 90 days or longer stay in a facility, or are expected to need the level of services provided in a long-term care (LTC) skilled nursing facility (SNF), a LTC nursing facility (NF), an intermediate care facility for individuals with intellectual disabilities, or an inpatient psychiatric facility.

D-SNP - Dual Eligible SNP. North Carolina Medicare and Medicaid enrollees who have limited income and resources may get help paying for their premiums and out-of-pocket medical expenses from Medicaid. Eligibility is based on a percentage of Federal Poverty Levels.


When to sign up for a North Carolina Medicare Advantage Plan?


Below mentioned are the types of the enrollment period, along with the instructions on what to do during this period:

Initial Enrollment Period (IEP). This period starts 3 months prior to the month you will turn 65. It ends after 3 months you have turned 65. At this stage, you can sign up for a North Carolina Medicare Advantage Plan.

Annual Enrollment Period (AEP). Also known as the Open Enrollment Period, it starts on the 15th of October and ends on the 7th of December. At this stage, you can either sign up for the plan, switch or leave your current plan.

Special Enrollment Period (SEP). This enrollment period depends on the personal circumstances of the beneficiaries, like if you move or lose insurance coverage. Check to determine if you qualify to modify your plan.

Open Enrollment Period. Jan 1 – Mar 31. If you’re enrolled in a North Carolina Medicare Advantage Plan, you can switch to a different Medicare Part-C Plan in Harnett County, NC or switch to Original Medicare once during this time.

5-star Special Enrollment Period. Dec 8 - Nov 30. If a Centers for Medicare and Medicaid Services (CMS) 5-star plan is available in your area you can switch to the 5-star plan once during this period.



Check for CMS Star Ratings

Centers for Medicare & Medicaid Service (CMS) assesses the quality of medical services of Medicare Advantage Plan using a 5-star rating system. A report is released yearly for the public to assess the quality of healthcare services. Thus, if you are searching for the highest Medicare Advantage Plan in your state, research the CMS ratings and costs of the plans report for further information.


Can I get a Medicare Advantage Plans in Harnett County, NC?

Yes. There are 36 Medicare Advantage Plans available in Harnett County, North Carolina from 8 different health insurance providers. These plans offer additional benefits that aren't available through Original Medicare.

How much is a Medicare Plan in Harnett County, North Carolina?

North Carolina residents who are interested in a Medicare Advantage Plan may choose among many cost options depending on your necessary benefits. The lowest plan premium is $0 and the highest premium is $98. The deductibles in Harnett County range from $0-$505

Can I get help in the coverage gap in Harnett County, NC?

Yes. 15 Medicare Advantage Plans in Harnett County offer additional gap coverage. Once in the coverage gap, you’ll pay no more than 25% of the cost for brand-name and generic prescription drugs. If you choose a drug plan that includes coverage in the gap, you may get a discount applied to the drug's price.

What is the most popular plan in Harnett, NC?

The most popular plan by enrollment in Harnett is the Aetna Medicare Premier Plus Plan (PPO) with 27002 enrollment.



Source: CMS. Data as of Oct 1, 2022.
Plans are subject to change as contracts are finalized.
Includes 2023 approved contracts. Employer sponsored 800 series and plans under sanction are excluded. For 2023, enhanced alternative may offer additional cost sharing reductions in the gap on a sub-set of the formulary drugs, beyond the standard Part-D benefit.


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MedicareHelp.org is a privately-owned Non-governmental agency. The government website can be found at HealthCare.gov.

Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options. Enrollment depends on the plan’s contract renewal.

Every year, Medicare evaluates plans based on a 5-star rating system.