Medicare Plans in
Harnett County, NC

53 Medicare Advantage Plans Found in Harnett County. See Plans

Harnett County, NC
Medicare Information

For Harnett County’s Medicare beneficiaries, private plans like Medicare Advantage plans offer an alternative to Original Medicare and Part D plans (PDP) can work alongside your Original Medicare benefits.

Currently, 53 private Medicare plans are available in Harnett County, and coverage is provided through Medicare-approved private companies, following rules set by Medicare.

HelpAdvisor Editorial Team analysis of data from the 2025 MA Landscape Source Files and carrier-provided plan data supplied by SunFire, Inc., a private company that creates software solutions for agents and brokers to compare Medicare plans. For more information, visit www.sunfireinc.com.

For Harnett County’s Medicare beneficiaries, private plans like Medicare Advantage plans offer an alternative to Original Medicare, and Part D plans (PDP) can work alongside your Original Medicare benefits.

Currently, 53 private Medicare plans are available in Harnett County, and coverage is provided through Medicare-approved private companies, following rules set by Medicare.

MA plans, which are also referred to as Medicare Part C, may offer additional benefits that aren't available through Original Medicare.

Part D plans, also referred to as PDPs, cover retail prescription drugs.

Some Medicare Part C plans include coverage for prescription medications. Known as Medicare Advantage Prescription Drug plans, or MAPDs, these plans offer comprehensive coverage for seniors who want to minimize their out-of-pocket costs.

Learn more about some of the Medicare plans in Harnett County, North Carolina, including average costs, out-of-pocket expenses and what’s involved in obtaining prescription drug coverage.

HelpAdvisor Editorial Team analysis of data from the 2025 MA Landscape Source Files and carrier-provided plan data supplied by SunFire, Inc., a private company that creates software solutions for agents and brokers to compare Medicare plans. For more information, visit www.sunfireinc.com.

Average Cost of Medicare
Plans in Harnett County

Average Cost of Medicare Advantage Plans in Harnett County, North Carolina
Average Monthly Premium $61.22
Average in-network out-of-pocket spending limit $7,398.11
Average drug deductible in 2025 (weighted) $407.22
Percentage of plans rated 4 stars or higher 56.6%
Average Cost of Medicare Advantage Plans in Harnett County, North Carolina
Average Monthly Premium
$61.22
Average in-network out-of-pocket spending limit
$7,398.11
Average drug deductible in 2021 (weighted)
$407.22
Percentage of plans rated 4 stars or higher
56.6%

Learn More About Medicare
Prescription Drug Plans

Harnett County Medicare beneficiaries who are interested in a private Medicare policy may choose among the following types of plans, depending on their needs and circumstances:
Plan Type Description
HMO HMO enrollees typically receive services through in-network providers and must obtain referrals for visits to specialists. However, most plans permit out-of-network care in emergencies or out-of-area dialysis. HMO plans often include prescription drug coverage.
PPO Members of PPO plans can typically go in or out of network for care, including hospitalization, although visits to non-network providers may cost considerably more. Referrals are usually not needed for visits to specialists, and many PPO plans include prescription drug coverage.
PFFS Private fee-for-service plans determine how much a doctor or facility will be paid for services, and members may seek care from any in or out-of-network provider that agrees to the plan's terms. Some PFFS plans include prescription drug coverage. Otherwise, members may seek coverage for medications through standalone Medicare drug plans, which are also known as Part D plans.
SNP Special Needs Plans are designed for individuals with specific conditions or medical characteristics. Benefits such as providers and drug formularies are tailored to members' unique needs, and most care is provided by in-network physicians and facilities. SNPs are required to provide prescription drug coverage.
Plan Type and Description
HMO enrollees typically receive services through in-network providers and must obtain referrals for visits to specialists. However, most plans permit out-of-network care in emergencies or out-of-area dialysis. HMO plans often include prescription drug coverage.
Members of PPO plans can typically go in or out of network for care, including hospitalization, although visits to non-network providers may cost considerably more. Referrals are usually not needed for visits to specialists, and many PPO plans include prescription drug coverage.
Private fee-for-service plans determine how much a doctor or facility will be paid for services, and members may seek care from any in or out-of-network provider that agrees to the plan's terms. Some PFFS plans include prescription drug coverage. Otherwise, members may seek coverage for medications through standalone Medicare drug plans, which are also known as Part D plans.
Special Needs Plans are designed for individuals with specific conditions or medical characteristics. Benefits such as providers and drug formularies are tailored to members' unique needs, and most care is provided by in-network physicians and facilities. SNPs are required to provide prescription drug coverage.

Some beneficiaries may be eligible for standalone prescription drug plans. Otherwise known as a PDP or Part D plan, a standalone prescription drug plan adds coverage for prescription medications to Original Medicare and some PFFS plans. It’s important to note that some MA plans, such as HMOs, may disenroll members who sign up for a separate drug plan.

Medicare Advantage Plans

Aetna Inc.

Aetna Inc. Medicare Plans in Harnett County, NC

The following table includes cost information and other plan details for Aetna Inc. private Medicare plans available in North Carolina in 2025.

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Plan Name Plan Code Monthly Premium Deductible Out of
Pocket Max
Prescription Drug Coverage Medicare
Star Rating
Aetna Medicare Eagle (PPO) H5521: 241 $0 N/A $6,750 No
4.5 out of 5
Aetna Medicare Dual Choice (PPO D-SNP) H5521: 538 $0 $0 $9,350 Yes
4.5 out of 5
Aetna Medicare Assure (HMO D-SNP) H3146: 002 $0 $0 $9,350 Yes
4 out of 5
Aetna Medicare Essential (PPO) H5521: 348 $0 $590 $7,500 Yes
4.5 out of 5
Aetna Medicare Premier Plus (PPO) H5521: 170 $0 $0 $4,150 Yes
4.5 out of 5
Aetna Medicare Value Plus (HMO) H3146: 006 $15 $250 $5,500 Yes
4 out of 5
Aetna Medicare Value (PPO) H5521: 169 $15 $250 $4,900 Yes
4.5 out of 5
Blue Cross and Blue Shield of North Carolina

Blue Cross and Blue Shield of North Carolina Medicare Plans in Harnett County, NC

The following table includes cost information and other plan details for Blue Cross and Blue Shield of North Carolina private Medicare plans available in North Carolina in 2025.

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Plan Name Plan Code Monthly Premium Deductible Out of
Pocket Max
Prescription Drug Coverage Medicare
Star Rating
Blue Medicare Medical Only (HMO-POS) H3449: 012 $0 N/A $3,900 No
4.5 out of 5
Blue Medicare Essential Plus (HMO-POS) H3449: 023 $0 $375 $3,500 Yes
4.5 out of 5
Healthy Blue + Medicare (HMO-POS D-SNP) H9147: 001 $0 $0 $9,350 Yes
3.5 out of 5
Blue Medicare Essential (HMO) H3449: 027 $0 $590 $8,300 Yes
4.5 out of 5
Blue Medicare Freedom+ (PPO) H3404: 004 $0 N/A $9,350 No
4.5 out of 5
Blue Medicare PPO Enhanced (PPO) H3404: 003 $25 $0 $5,900 Yes
4.5 out of 5
Blue Medicare Enhanced (HMO-POS) H3449: 024 $34 $0 $3,150 Yes
4.5 out of 5
Humana Inc.

Humana Inc. Medicare Plans in Harnett County, NC

The following table includes cost information and other plan details for Humana Inc. private Medicare plans available in North Carolina in 2025.

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Plan Name Plan Code Monthly Premium Deductible Out of
Pocket Max
Prescription Drug Coverage Medicare
Star Rating
HumanaChoice H5525-050 (PPO) H5525: 050 $0 $350 $9,350 Yes
3.5 out of 5
HumanaChoice R0110-004 (Regional PPO) R0110: 004 $0 N/A $7,550 No
3.5 out of 5
Humana USAA Honor Giveback (PPO) H5525: 065 $0 N/A $9,350 No
3.5 out of 5
Humana Dual Select H1036-307 (HMO D-SNP) H1036: 307 $0 $0 $9,350 Yes
4 out of 5
HumanaChoice Giveback H5525-035 (PPO) H5525: 035 $0 $450 $9,350 Yes
3.5 out of 5
Humana Gold Plus - Diabetes and Heart (HMO C-SNP) H1036: 308 $0 $450 $9,350 Yes
4 out of 5
Humana Gold Plus Giveback H1036-318 (HMO-POS) H1036: 318 $0 $450 $9,350 Yes
4 out of 5
Humana Gold Plus H1036-291 (HMO-POS) H1036: 291 $0 $250 $6,750 Yes
4 out of 5
Humana Gold Plus SNP-DE H1036-167 (HMO D-SNP) H1036: 167 $0 $0 $9,350 Yes
4 out of 5
Humana USAA Honor Giveback (Regional PPO) R0110: 006 $0 N/A $9,350 No
3.5 out of 5
HumanaChoice SNP-DE H5525-036 (PPO D-SNP) H5525: 036 $0 $0 $9,350 Yes
3.5 out of 5
HumanaChoice H5525-083 (PPO) H5525: 083 $0 $450 $9,350 Yes
3.5 out of 5
Humana Dual Select H5525-072 (PPO D-SNP) H5525: 072 $0 $0 $9,350 Yes
3.5 out of 5
Humana Gold Plus H6622-060 (HMO-POS) H6622: 060 $0 $350 $9,350 Yes
3.5 out of 5
HumanaChoice H5525-049 (PPO) H5525: 049 $31 $350 $9,350 Yes
3.5 out of 5
HumanaChoice H5525-070 (PPO) H5525: 070 $51 $590 $9,350 Yes
3.5 out of 5
Humana Full Access R0110-005 (Regional PPO) R0110: 005 $128 $480 $9,350 Yes
3.5 out of 5
UnitedHealthcare

UnitedHealthcare Medicare Plans in Harnett County, NC

The following table includes cost information and other plan details for UnitedHealthcare private Medicare plans available in North Carolina in 2025.

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Plan Name Plan Code Monthly Premium Deductible Out of
Pocket Max
Prescription Drug Coverage Medicare
Star Rating
UHC Complete Care NC-28 (HMO-POS C-SNP) H5253: 189 $0 $255 $3,900 Yes
4 out of 5
UHC Dual Complete NC-S001 (PPO D-SNP) H1889: 005 $0 $0 $9,350 Yes
3.5 out of 5
AARP Medicare Advantage from UHC NC-0015 (HMO-POS) H5253: 117 $0 $255 $3,900 Yes
4 out of 5
AARP Medicare Advantage from UHC NC-0011 (HMO-POS) H5253: 103 $0 $340 $6,700 Yes
4 out of 5
UHC Dual Complete NC-S2 (PPO D-SNP) H1889: 034 $0 $0 $9,350 Yes
3.5 out of 5
UHC Dual Complete NC-V001 (HMO-POS D-SNP) H5253: 116 $0 $0 $4,500 Yes
4 out of 5
AARP Medicare Advantage from UHC NC-0017 (PPO) H2406: 098 $0 $420 $5,500 Yes
4 out of 5
UHC Dual Complete NC-S3 (HMO-POS D-SNP) H5253: 184 $0 $0 $9,350 Yes
4 out of 5
AARP Medicare Advantage from UHC NC-0003 (PPO) H2001: 101 $0 $420 $7,500 Yes
4 out of 5
UHC Dual Complete NC-D001 (HMO-POS D-SNP) H5253: 041 $0 $0 $9,350 Yes
4 out of 5
AARP Medicare Advantage Patriot No Rx NC-MA02 (HMO-POS) H5253: 040 $0 N/A $7,900 No
4 out of 5
AARP Medicare Advantage from UHC NC-0016 (PPO) H2406: 034 $46 $420 $3,800 Yes
4 out of 5
AARP Medicare Advantage from UHC NC-0012 (HMO-POS) H5253: 104 $49 $340 $5,400 Yes
4 out of 5
AARP Medicare Advantage Access from UHC NC-23 (PPO) H2001: 084 $247 $570 $3,000 Yes
4 out of 5
Wellcare Health Plans, Inc.

Wellcare Health Plans, Inc. Medicare Plans in Harnett County, NC

The following table includes cost information and other plan details for Wellcare Health Plans, Inc. private Medicare plans available in North Carolina in 2025.

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Plan Name Plan Code Monthly Premium Deductible Out of
Pocket Max
Prescription Drug Coverage Medicare
Star Rating
Wellcare Dual Reserve (HMO-POS D-SNP) H4073: 003 $0 $0 $9,350 Yes
3.5 out of 5
Wellcare Dual Access (HMO-POS D-SNP) H4073: 002 $0 $0 $9,350 Yes
3.5 out of 5
Wellcare Patriot Giveback Open (PPO) H1914: 011 $0 N/A $8,850 No
3.5 out of 5
Wellcare Dual Liberty Open (PPO D-SNP) H1914: 008 $0 $0 $9,350 Yes
3.5 out of 5
Wellcare Giveback Open (PPO) H1914: 010 $0 $410 $8,300 Yes
3.5 out of 5
Wellcare Simple (HMO-POS) H4073: 001 $0 $420 $3,500 Yes
3.5 out of 5
Wellcare Simple Open (PPO) H1914: 007 $0 $420 $4,200 Yes
3.5 out of 5
Wellcare Assist Open (PPO) H1914: 009 $32 $500 $4,200 Yes
3.5 out of 5