Experience Health Medicare Advantage (HMO) in Wake 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
Experience Health Medicare Advantage (HMO) (H3777-002) is a $7-premium Medicare Advantage HMO from CuraCor Solutions Corp. available in Wake County, North Carolina in 2026, with a 3.5-star overall rating, a $6,500 in-network out-of-pocket maximum, and a $615 annual Part D drug deductible.
Plan facts (CMS CY2026 Landscape file)
| Organization | CuraCor Solutions Corp. |
|---|---|
| Plan name | Experience Health Medicare Advantage (HMO) |
| Contract ID | H3777 |
| Plan ID | 002 |
| Segment ID | 0 |
| Contract year | 2026 |
| Contract category | MA-PD |
| Plan type | HMO |
| SNP | No |
| Monthly consolidated premium | $6.90 |
| Part C premium | $6.90 |
| Part D basic premium | $0.00 |
| Part D total premium | $0.00 |
| Annual Part D deductible | $615.00 |
| Maximum out-of-pocket (in-network) | $6500.00 |
| Overall star rating | 3.5 |
How this plan is structured
- $7 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.
- HMO plan type. In an HMO-style Medicare Advantage plan, in-network care and primary-care referral rules generally apply. See how Medicare Advantage HMO and PPO plans differ.
- $6,500 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 = Wake 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 Wake County
The CMS CY2026 Landscape file lists 77 Medicare Advantage plans in Wake County, North Carolina, of which 7 carry a 5.0-star overall rating and 39 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 Wake 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 Wake 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 — H3777-002.
- Call the plan (CuraCor Solutions Corp.) 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 H3777-002 means
CMS assigns every Medicare Advantage and Part D offering a plan identifier made of three parts. In H3777-002, the leading H marks the contract type (H = Medicare Advantage / Part C contract), the four digits 3777 are the contract number issued to the organization, and the three-digit 002 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 Experience Health Medicare Advantage (HMO) an HMO or PPO?
Experience Health Medicare Advantage (HMO) is an HMO — a Health Maintenance Organization-style Medicare Advantage plan, meaning in-network care and referral rules generally apply.
Does Experience Health Medicare Advantage (HMO) include prescription drug coverage?
Yes — Experience Health Medicare Advantage (HMO) is a Medicare Advantage plan with prescription drug coverage (MA-PD) and a $615.00 annual Part D drug deductible for 2026.
What is the maximum out-of-pocket cost for Experience Health Medicare Advantage (HMO)?
The 2026 in-network maximum out-of-pocket limit for Experience Health Medicare Advantage (HMO) is $6500.00, per the CMS CY2026 Landscape file.
What counties offer Experience Health Medicare Advantage (HMO) (H3777-002)?
Experience Health Medicare Advantage (HMO) (H3777-002) is offered in eight North Carolina counties: Durham County, Franklin County, Granville County, Lee County, Orange County, Person County, Vance County, and Wake 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.