New Hanover County Medicare Advantage Plans — 2027 Data Report
Real numbers. Real New Hanover County context.
I call the billing office. Medicare.gov lists which plans a hospital accepts — it can’t tell you whether your specific cardiologist is taking new patients on that plan in January.
New Hanover County Medicare Advantage plans, ranked by typical annual cost
| Plan | Carrier | Premium | Medical deductible | Drug deductible | Typical annual | Range (low – high) |
|---|---|---|---|---|---|---|
| Humana Gold Plus H1036-335 (HMO-POS) H1036-335-1 |
Humana | $0/mo | — | $250 | $425 | $139 – $1,155 |
| HumanaChoice H5525-050 (PPO) H5525-050-0 |
Humana | $0/mo | — | $350 | $456 | $169 – $1,260 |
| HumanaChoice H5525-083 (PPO) H5525-083-0 |
Humana | $0/mo | — | $450 | $490 | $183 – $1,324 |
| HumanaChoice Giveback H5525-035 (PPO) H5525-035-0 |
Humana | $0/mo | — | $450 | $496 | $189 – $1,330 |
| AARP Medicare Advantage from UHC NC-26 (HMO-POS) H5253-187-0 |
UnitedHealthcare | $0/mo | — | $440 | $510 | $189 – $1,346 |
| AARP Medicare Advantage from UHC NC-0001 (PPO) H2001-090-0 |
UnitedHealthcare | $0/mo | — | $440 | $516 | $179 – $1,427 |
| Humana Gold Plus H6622-061 (HMO-POS) H6622-061-0 |
Humana | $0/mo | — | $350 | $526 | $179 – $1,400 |
| DEVOTED CHOICE 008 NC (PPO) H9700-008-0 |
Devoted Health | $0/mo | — | $270 | $527 | $204 – $1,322 |
| Aetna Medicare Signature Giveback (PPO) H5521-348-0 |
Aetna Medicare | $0/mo | — | $615 | $633 | $356 – $1,410 |
| Aetna Medicare Signature (PPO) H5521-243-0 |
Aetna Medicare | $0/mo | — | $615 | $634 | $356 – $1,423 |
What will prescriptions cost on the top New Hanover County plans?
| Drug | Humana Humana Gold Plus H1036-335 (HMO-POS) |
Humana HumanaChoice H5525-083 (PPO) |
Humana HumanaChoice H5525-050 (PPO) |
|---|---|---|---|
| apixaban 5 MG Oral Tablet [Eliquis] | $47/mo Tier 3 |
$47/mo Tier 3 |
$47/mo Tier 3 |
| atorvastatin 20 MG Oral Tablet | $0.00/mo Tier 1 |
$0.00/mo Tier 1 |
$0.00/mo Tier 1 |
| empagliflozin 25 MG Oral Tablet [Jardiance] | $47/mo Tier 3 |
$47/mo Tier 3 |
$47/mo Tier 3 |
| lisinopril 10 MG Oral Tablet | $0.00/mo Tier 1 |
$0.00/mo Tier 1 |
$0.00/mo Tier 1 |
| metformin hydrochloride 500 MG Oral Tablet | $0.00/mo Tier 1 |
$0.00/mo Tier 1 |
$0.00/mo Tier 1 |
What dental, vision and hearing benefits are included in New Hanover County plans?
| Plan | PCP copay | Specialist | OTC | Dental max | Vision | Hearing aid | Fitness |
|---|---|---|---|---|---|---|---|
| Humana Gold Plus H1036-335 (HMO-POS) Humana |
$0 | $5 | $0/qtr | $2,500 | $250 | $699 | Go365 |
| HumanaChoice H5525-050 (PPO) Humana |
$0 | $25 | —/qtr | $1,250 | $200 | $799 | Go365 |
| HumanaChoice H5525-083 (PPO) Humana |
$0 | $35 | —/qtr | — | $150 | $699 | Go365 |
| HumanaChoice Giveback H5525-035 (PPO) Humana |
$0 | $35 | —/qtr | — | $150 | $999 | Go365 |
| AARP Medicare Advantage from UHC NC-26 (HMO-POS) UnitedHealthcare |
$0 | $0 | $55/qtr | $1,000 | $300 | $1,249 | Renew Active |
Which New Hanover County doctors and hospitals are in network?
Wilmington’s hospital care runs almost entirely through Novant Health New Hanover Regional Medical Center, which Novant acquired from the county in 2021. The system covers the main medical centre, the orthopedic hospital, the heart centre and a large physician network across New Hanover and into Pender and Brunswick.
Because the county is served by one system, the practical network question is narrow — but the answer still varies by plan, and the acquisition means some carrier contracts were renegotiated more recently than the plan documents suggest.
Which specific 2027 plans include Novant Health New Hanover Regional in network changes by carrier and by plan, and carriers update their directories through the year. Rather than publish a list that goes stale, I check it live: call and I will verify your doctors against each carrier’s current 2027 directory before you enrol.
Wilmington also has a significant seasonal and retiree population who spend part of the year out of state. If that is you, a PPO with a national network usually costs more monthly but avoids the out-of-area problem entirely. That trade-off is worth pricing properly rather than guessing at.
| Specialty | In-network providers (county) |
|---|---|
| Primary care (including NPs/PAs) | 35 |
| Endocrinology | 1 |
| Orthopedics | 3 |
| Mental health | 5 |
| Oncology | 1 |
| Other specialties | 18 |
What are the 2027 Medicare numbers for New Hanover County residents?
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Three are specific to New Hanover County. Two apply to every NC resident. All five are fixable — if you catch them before enrollment.
What’s the difference between doing it alone and working with an independent NC broker?
| What you need | Doing it alone | Robert Simm — NC #10447418 |
|---|---|---|
| Plans you can compare | Whatever Medicare.gov lists, no NC context | Every major NC carrier, filtered to your situation |
| New Hanover County network knowledge | Generic federal directories, often 6 months stale | Direct contract verification with each carrier |
| 2027 numbers applied to your budget | Generic rules — no IRMAA math, no spousal coordination | Run with your real income and household |
| Part D formulary check | Manual entry per drug, per plan | I pre-check every prescription on every eligible plan |
| Same person next year | Different agent every call | Same broker, same answer, every AEP |
| Cost | $0 (just your time and risk) | $0 — paid by carrier |
Which Novant Health facilities serve New Hanover County?
Novant Health is the health system on record for New Hanover County, and 2 facilities in the county carry its name — which does not mean they all sit on the same plan contracts.
- Novant Health New Hanover Regional Medical Center
- Novant Health New Hanover Orthopedic Hospital
NOVANT HEALTH NETWORK NOTES
Novant Health's own accepted-plans listing names New Hanover Regional Medical Center as an exception twice over: it is out of network with UnitedHealthcare Medicare Advantage, and out of network with Cigna Medicare Advantage. This is a longstanding carve-out rather than a 2026 change, which is exactly why it catches people — there was no announcement to miss. Verified .
Novant Health accepts a wide range of plans across its other markets, so a Novant facility being in-network somewhere else in North Carolina says nothing about New Hanover Regional. Network status is contracted facility by facility, not brand by brand. Verified .
Two more exceptions on the same listing are worth knowing. Novant Health is out of network with Aetna Medicare Prime HMO across all its facilities, not just New Hanover. And PACE of the Southern Piedmont excludes both New Hanover Regional Medical Center and Pender Medical Center. Novant lists AARP Medicare Plans from UnitedHealthcare separately from UnitedHealthcare with no exception noted — confirm that one directly with the plan before relying on it. Verified .
Frequently asked questions about Medicare in New Hanover County
How many Medicare Advantage plans are available in New Hanover County in 2027?
What is the cheapest Medicare Advantage plan in New Hanover County?
Are there $0 premium Medicare Advantage plans in New Hanover County?
Does it matter which Medicare carrier you choose?
It doesn’t — because I get paid by the insurance carrier to manage your plan. Most call centers get paid more to steer your business toward certain carriers based on volume and contracts. The only thing I’m optimizing for is making sure you’re covered correctly when you actually need it. That’s what keeps people coming back. And referring their neighbors.
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