Important Update on Medicare Advantage Coverage
As of Jan. 1, 2026, UNC Health is no longer in-network with the following Medicare Advantage plans:
- Humana
- WellCare
- Health Care Service Corporation (formerly Cigna)
We know these changes can be confusing. You are not alone. We are here to support you and help you keep the care you trust.
Good News for State Health Plan Retirees
If you have Humana coverage through the NC State Health Plan (SHP), nothing is changing:
- You will still have full access to UNC Health.
- Your costs and care will not change.
- No action is required.
If You’re Affected
If you’re enrolled in Humana, WellCare, or Health Care Service Corporation Medicare Advantage (not through SHP):
- Your coverage went out of network with UNC Health on Dec. 31, 2025.
- If you want to keep your UNC Health doctors, you may be able to make a change between Jan. 1 and Mar. 31, 2026. During this time, you can switch to Original Medicare or select a Medicare Advantage plan that includes UNC Health.
Si está inscrito en Humana, WellCare o Health Care Services Corporation Medicare Advantage (y no es a través del SHP):
- Su cobertura con UNC Health quedó fuera de la red el 31 de diciembre de 2025.
- Si desea mantener a sus proveedores de UNC Health, puede ser elegible para hacer un cambio entre el 1 de enero y el 31 de marzo. Durante este periodo, puede cambiarse a Medicare Original, o elegir un plan diferente de Medicare Advantage que incluye a UNC Health.
Need Help?
UNC Health has partnered with Chapter, a company that offers free, personalized Medicare guidance. Chapter can help you find a plan that keeps UNC Health in-network.
Sabemos que estos cambios pueden ser confusos. Usted no está solo. Estamos aquí para apoyarle y ayudarle a mantener la atención médica en la que confía.
UNC Health se ha asociado con Chapter, una compañía que ofrece asesoría gratuita y personalizada sobre Medicare. Chapter puede ayudarle a encontrar un plan que mantenga a UNC Health dentro de la red.
Frequently Asked Questions
Is Chapter a free service?
Yes. Chapter’s services are always free for patients.
Why should I trust Chapter?
Chapter is the only Medicare Advisor that compares every plan from every insurance carrier. Plus, Chapter Advisors are paid the same, regardless of which plan the patient chooses. Their only incentive is to find the best plan for each patient.
What types of plans does Chapter recommend?
Chapter recommends all Medicare plans. This includes Medicare Supplement (Medigap) plans, Medicare Advantage (Part C) plans, and Part D Prescription Drug plans. Chapter also helps with Original Medicare sign-up and coverage (Parts A & B).
How does Chapter make money?
Like most Medicare Advisors, Chapter earns commissions from insurance carriers when they enroll someone into a plan. Unlike most Medicare Advisors, Chapter will recommend plans that do not pay them, and Chapter’s advisors are not paid more or less based on plans they recommend.
What is a Medicare Supplement (Medigap) plan?
Medicare Supplement plans sit on top of Original Medicare and cover much of the 20 percent of costs that Original Medicare doesn’t cover. With a Medicare Supplement plan, you can see any doctor that accepts Medicare.
