In Charlotte, North Carolina, 452,459 beneficiaries are enrolled in Medicare plans. Of those beneficiaries, 267,621 are enrolled in Fee-for-Service Medicare, and 184,838 are enrolled in Medicare Advantage. Keep reading to learn about the Medicare available to Charlotte, North Carolina residents.

Medicare Plans in Charlotte, North Carolina

Residents in Charlotte can take advantage of North Carolina Medicare plans available to them to cover medical costs. Supplemental Medicare plans help beneficiaries cover even more medical expenses that Medicare alone won’t cover. Remember that the quotes below are based on a male that’s 65 years old.

Medicare Advantage plans

North Carolina Part C plans in Charlotte have a 40.85% participation rate. In Charlotte, the average enrollees are 65-year-old females, coming in at 55.21% versus 44.79% of Charlotte males. In Mecklenburg county, 45 Medicare Advantage plans are available to choose from.

Out of the Medicare Advantage plans available, there are three affordable options. They all have a four out of five Star Rating, meaning they are high-quality plans.

Blue Cross Blue Shield (BCBS) of North Carolina is the most affordable option, with a $4,200 maximum out-of-pocket (MOOP). This is a great, trustworthy, and affordable option to choose from.

The other affordable options you have are Humana, with a MOOP of $4,400, and Cigna, with a MOOP of $4,900. The premiums are all $0. These three affordable options are classified as HMOs, which means “health maintenance organization.”

The average cost of Medicare Advantage plans in Charlotte, North Carolina

PLAN PREMIUM MOOP Plan Type Star Rating
Aetna $0 $6,500 LOCAL PPO 4
BCBS of North Carolina $0 $4,200 HMO 4
Humana $0 $4,400 HMO 4
UnitedHealthcare $0 $6,700 HMO-POS 5
Cigna $0 $4,900 HMO 4

Next, we’ll be diving into Medigap plans. If you’re unsure what the difference between Medicare Advantage and Medigap, check out our helpful article describing the two types of programs.

Medicare Supplement plans

Medigap in North Carolina provides you with supplemental healthcare coverage. Remember: All Medigap plans are standardized nationwide, so benefits don’t change from state to state. The only difference is the monthly premium. Medigap plans are policies that provide extra insurance.

The most affordable Medigap plan is Plan HDG, with the lowest premium of $33.66 and the highest premium of $74.36. This is a very popular, affordable option in Charlotte, North Carolina.

The next most affordable plan is Plan HDF, with a low premium of $35.06. The highest premium with this plan is $77.68. Finally, the third most affordable plan is Plan K, with a low premium of $53.83 and a high premium of $114.

The average cost of Medicare Supplement plans in Charlotte, North Carolina

PLAN A $97.34 $379.48
PLAN B $129.53 $303.32
PLAN C $129.64 $347.62
PLAN D $116.58 $327.13
PLAN F $124.13 $348.08
PLAN HDF $35.06 $77.68
PLAN G $107.50 $327.52
PLAN HDG $33.66 $74.36
PLAN K $53.83 $114.00
PLAN L $67.75 $228.36
PLAN M $81.03 $259.51
PLAN N $83.04 $309.72

Medigap rates vary dramatically on several factors. Please visit our article to learn more about the factors that affect your Medigap rates.

Medicare Part D prescription drug plans

Part D plans in North Carolina are stand-alone plans that cover prescription medications. Medigap plans don’t cover prescriptions; only some Medicare Advantage plans do. If you need help covering drugs, consider a Medicare Part D plan.

In Charlotte, North Carolina, all Part D plans have a deductible of $480. They all have a two, three, or four-star rating.

Based on the premiums, here are the three most affordable Part D plans: Aetna is the most affordable, with a premium of $7. The next lowest premium is $12.90 with Wellcare. Finally, Clear Spring is the third most affordable plan with an $18.10 premium.

The average cost of Medicare Part D plans in Charlotte, North Carolina

Aetna $7.00 $480 3
Wellcare $12.90 $480 3
Clear Spring $18.10 $480 2
Humana $22.70 $480 4
Elixir $29.00 $480 3

Need help to choose a Part D plan? Check out the top 10 Part D prescription drug plans for 2022.

Special Needs plans

Special Needs Plans (SNPs) are a subset of Medicare Advantage plans available to people with special needs. However, these plans aren’t available in all areas. SNP plans help people with chronic disabilities or special needs.

All of the SNPs in Charlotte, North Carolina, have a premium of $0. The most affordable SNPs are Wellcare and Humana, which both have a maximum out-of-pocket (MOOP) of $3,450. The rest of the SNPs (United, Aetna, and BCBS of North Carolina) have a MOOP of $7,550. They are all HMOs, except UnitedHealthcare, which is a regional preferred provider organization (PPO).

The average cost of Medicare Special Needs plans in Charlotte, North Carolina

PLAN PREMIUM MOOP Plan Type Eligibility
Wellcare $0 $3,450 HMO Dual
Humana $0 $3,450 HMO Dual
UnitedHealthcare $0 $7,550 REGIONAL PPO Dual
Aetna $0 $7,550 HMO Dual
BCBS of North Carolina $0 $7,550 HMO Dual

How to sign up for Medicare plans in Charlotte, North Carolina

Finding the right plan in Charlotte, North Carolina, can be challenging—but it doesn’t have to be. We can help you find a plan that works best for you. Give us a call or fill out the form to get started.

Written By:
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Lindsay Malzone, Lindsay Malzone is the Medicare editor for She's been contributing to many well-known publications since 2017. Her passion is educating Medicare beneficiaries on all their supplemental Medicare options so they can make an informed decision on their healthcare coverage.
Reviewed By:
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Rodolfo Marrero, Rodolfo Marrero is one of the co-founders at He has been helping consumers find the right coverage since the site was founded in 2013. Rodolfo is a licensed insurance agent that works hand-in-hand with the team to ensure the accuracy of the content.