Humana Medicare Plans in North Carolina

Humana offers multiple Medicare plan types to North Carolina residents, each designed for different healthcare needs and budgets:

Medicare Advantage (Part C): Humana's North Carolina Medicare Advantage plans combine hospital (Part A), medical (Part B), and usually prescription drug (Part D) coverage into one plan. Many Humana MA plans in North Carolina have $0 monthly premiums beyond the Part B premium, with benefits including dental, vision, hearing, and fitness programs.

Medicare Supplement (Medigap): Humana offers standardized Medigap plans in North Carolina that work with Original Medicare to cover costs like the Part B coinsurance and deductibles. Popular options include Plan G and Plan N.

Part D Prescription Drug Plans: Humana's standalone Part D plans in North Carolina provide prescription drug coverage for those on Original Medicare. Plans vary in formulary coverage and preferred pharmacy networks.

Dual Eligible Special Needs Plans (D-SNP): For North Carolina residents who qualify for both Medicare and NC Medicaid, Humana offers D-SNP plans with coordinated benefits and additional support services.

Humana's North Carolina Medicare Advantage plans use HMO and PPO networks. Network size and provider participation vary by plan and county.

In Charlotte and surrounding Mecklenburg County, provider participation is plan-specific and can change by contract year. Verify every doctor, hospital, and facility in the current plan directory before enrolling.

For beneficiaries in Charlotte, Raleigh, Asheville, Durham, compare the exact network offered at your address. Rural areas of North Carolina may have fewer participating providers, so network breadth and any out-of-network benefits should be verified for the specific plan.

Use Humana's online provider directory at https://www.humana.com/finder/medical to verify network participation for any North Carolina doctor or facility.

Humana Medicare plan costs in North Carolina vary by plan type, county, ZIP code, and contract year. Verify the current plan documents or quote for the exact option you are considering.

Medicare Advantage Premiums: Some Medicare Advantage plans may have a $0 plan premium, but members still pay the Part B premium and applicable cost sharing. Verify the current premium for the exact Humana plan available at your address.

Out-of-Pocket Maximums: Medicare Advantage plans include an annual medical out-of-pocket limit. The amount is plan-specific and can change by contract year; verify the current Evidence of Coverage.

Medigap Premiums: Medigap premiums vary by insurer, location, plan letter, rating method, age or eligibility factors where permitted, tobacco status, discounts, and state rules. Compare current North Carolina quotes rather than relying on a statewide average.

CMS Star Ratings are contract-specific and updated regularly. Verify the current CMS Star Rating for the exact Humana plan and contract you are considering in North Carolina. Star Ratings measure quality across categories including:

• Staying healthy (screenings, tests, vaccines)
• Managing chronic conditions
• Member experience and satisfaction
• Member complaints and access to care
• Customer service quality

Do not infer the quality of a specific plan from a carrier-wide rating. Compare the current rating, network, formulary, benefits, and costs for the exact plan available at your address.