HealthTeam Advantage Plan I (PPO) in Davidson County, North Carolina — 2026 plan details
Last updated Jul 18, 2026
Reviewed by Jason Burns, Editorial Steward
Published by Senior Direct Answers · Licensed under Citation License 1.0
HealthTeam Advantage Plan I (PPO) (H9808-004) is a $0-premium Medicare Advantage PPO from Risant Health, Inc. available in Davidson County, North Carolina in 2026, with a 4.0-star overall rating, a $3,900 in-network out-of-pocket maximum, and a $250 annual Part D drug deductible.
Plan facts (CMS CY2026 Landscape file)
| Organization | Risant Health, Inc. |
|---|---|
| Plan name | HealthTeam Advantage Plan I (PPO) |
| Contract ID | H9808 |
| Plan ID | 004 |
| Segment ID | 0 |
| Contract year | 2026 |
| Contract category | MA-PD |
| Plan type | PPO |
| SNP | No |
| Monthly consolidated premium | $0.00 |
| Part C premium | $0.00 |
| Part D basic premium | $0.00 |
| Part D total premium | $0.00 |
| Annual Part D deductible | $250.00 |
| Maximum out-of-pocket (in-network) | $3900.00 |
| Overall star rating | 4.0 |
How this plan is structured
- $0 consolidated premium. A $0 or near-$0 consolidated premium does not remove the Part B premium — the standard 2026 Part B premium is $202.90 per month and still applies. See the 2026 Medicare Part B premium.
- PPO plan type. Plan-type rules determine in-network use and referrals. See how Medicare Advantage HMO and PPO plans differ.
- $3,900 in-network out-of-pocket maximum. The MOOP is the annual cap on what a member pays in-network for covered Part A and Part B services. See how the Medicare Advantage MOOP works.
- Service area = Davidson County. Medicare Advantage plans are sold by service area; moving out of the plan's service area triggers a Special Enrollment Period to switch plans. See how moving changes your Medicare options.
How it compares in Davidson County
The CMS CY2026 Landscape file lists 98 Medicare Advantage plans in Davidson County, North Carolina, of which 14 carry a 5.0-star overall rating and 51 have a $0 consolidated monthly premium. Consolidated premiums range from $0.00 to $255.00 per month, and in-network out-of-pocket maximums range from $3000.00 to $9250.00.
Other 5.0-star Medicare Advantage plans in Davidson County (first three alphabetically):
| Plan | Organization | Premium | MOOP |
|---|---|---|---|
| Alignment Health Heart & Diabetes Care (HMO C-SNP) | Alignment Healthcare USA, LLC | $0.00 | $3400.00 |
| Alignment Health Heart & Diabetes NCPlus (HMO-POS C-SNP) | Alignment Healthcare USA, LLC | $36.20 | $9250.00 |
| Alignment Health NC Duals (HMO-POS D-SNP) | Alignment Healthcare USA, LLC | $36.20 | $9250.00 |
For the full county plan directory, see all Medicare plans in Davidson County, North Carolina.
How to verify your doctors take this plan
Network participation changes throughout the year; we hold no provider-network data, so verify directly with these three sources before you decide:
- Open the plan's official Medicare.gov page and use its provider-directory link: Medicare.gov Plan Finder — H9808-004.
- Call the plan (Risant Health, Inc.) using the member-services number listed on that plan page and ask whether each doctor, hospital, and pharmacy is in-network for 2026.
- Get free, unbiased help from your State Health Insurance Assistance Program (SHIP) — see free unbiased Medicare help from SHIP.
What H9808-004 means
CMS assigns every Medicare Advantage and Part D offering a plan identifier made of three parts. In H9808-004, the leading H marks the contract type (H = Medicare Advantage / Part C contract), the four digits 9808 are the contract number issued to the organization, and the three-digit 004 is the plan benefit package under that contract. The segment ID 0 identifies the service-area segment within the plan (0 = the default single segment).
Frequently asked questions
Is HealthTeam Advantage Plan I (PPO) an HMO or PPO?
HealthTeam Advantage Plan I (PPO) is a PPO Medicare Advantage plan.
Does HealthTeam Advantage Plan I (PPO) include prescription drug coverage?
Yes — HealthTeam Advantage Plan I (PPO) is a Medicare Advantage plan with prescription drug coverage (MA-PD) and a $250.00 annual Part D drug deductible for 2026.
What is the maximum out-of-pocket cost for HealthTeam Advantage Plan I (PPO)?
The 2026 in-network maximum out-of-pocket limit for HealthTeam Advantage Plan I (PPO) is $3900.00, per the CMS CY2026 Landscape file.
What counties offer HealthTeam Advantage Plan I (PPO) (H9808-004)?
HealthTeam Advantage Plan I (PPO) (H9808-004) is offered in twelve North Carolina counties: Alamance County, Caswell County, Davidson County, Davie County, Forsyth County, Guilford County, Montgomery County, Orange County, Randolph County, Rockingham County, Stokes County, and Yadkin County.
Sources
- CMS, Plan Year 2026 Medicare Advantage & Part D Landscape source file (March 2026) — retrieved 2026-07-18. Overall star rating year: 2026.
- Medicare.gov Plan Finder — compare plans and enroll.