HealthTeam Advantage

What HealthTeam Advantage does

HealthTeam Advantage (HTA), operating under the legal entity Care N' Care Insurance Company of North Carolina, Inc., is a privately held Medicare Advantage plan provider founded in 2015 and headquartered in Greensboro, NC. The company is jointly owned by Cone Health and Novant Health, two of North Carolina's largest non-profit health systems, and serves Medicare-eligible beneficiaries across 33 North Carolina counties. For the 2026 plan year HTA offers five products: Plan I (PPO), Plan II (PPO), Vitality Plan (PPO), Eagle Plan (PPO MA-Only), and Diabetes & Heart Care (HMO C-SNP), with 2025 CMS Star Ratings of 4.5 (PPO) and 4.0 (HMO).

The technology stack is built largely on third-party platforms: Nirvana Health powers the provider and member portals (Payer ID 88250), Acuity Connect handles prior authorization workflows compliant with CMS-0057-F, and Capital Rx administers the Medicare Prescription Payment Plan. The company operates a multi-channel distribution model combining licensed agent phone sales (877-905-9216), a physical Local Benefit Center in High Point, NC, online self-enrollment, and provider-network referrals.

Revenue is generated primarily through CMS capitation premiums for enrolled Medicare Advantage members, supplemented by Part D prescription drug revenue; most plans carry zero-dollar monthly premiums for members. Supplemental benefits (dental via Dominion Dental, vision via VSP, hearing via TruHearing, fitness via SilverSneakers, transportation via SafeRide Health, in-home support via Papa, meals and OTC via NationsBenefits) are delivered through a layered partner ecosystem rather than internal operations. Brendan Hodges serves as President and CEO; the company employs 101–250 people and has received multiple workplace and product-quality awards including America's Best Workplaces 2025 and U.S. News & World Report's Best Insurance Company for Medicare Advantage 2025 in NC.

Name

HealthTeam Advantage

Legal name

Care N' Care Insurance Company of North Carolina, Inc.

Website

https://healthteamadvantage.com

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

101–250 employees

Short description

HealthTeam Advantage is a Medicare Advantage plan provider jointly owned by Cone Health and Novant Health, offering five PPO and HMO plans to Medicare beneficiaries across 33 North Carolina counties, with 4.5/4.0 CMS Star Ratings in 2025.

Ownership category

akta.pro rank

Product category

Medicare Advantage Health Insurance

NAICS

Direct Health and Medical Insurance Carriers (524114), Direct Life, Health, and Medical Insurance Carriers (52411)

SIC

Accident & Health Insurance (6321)

akta.pro primary industry

MA PPO Plans (Local/Regional PPO) (HLAEACAB)

akta.pro secondary industries

MA Prescription Drug Plans (MA-PD) (HLAEACAF), MA Chronic Condition Management & Supplemental Benefits (SSBCI) (HLAEACAI), MA Provider-Sponsored/Payvider MA Plans (HLAEACAJ)

Keywords

• Medicare Advantage plans
• Health insurance coverage
• Medicare Part D prescriptions
• Supplemental health benefits
• Medicare special needs plans

Headquarters

HQ city

Greensboro

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Others, Infrastructure

Revenue model

1. Medicare Advantage Premiums: HealthTeam Advantage generates revenue primarily through Medicare Advantage premiums paid by the Centers for Medicare & Medicaid Services (CMS) for enrolled members. The company offers PPO and HMO Medicare Advantage plans with Medicare contracts.
2. Part D Prescription Drug Revenue: Revenue from Medicare Part D prescription drug coverage included in their Medicare Advantage plans, processing prescription drug claims through pharmacy networks
3. Member Premiums: Some plans may include monthly premiums paid by members, though many plans offer zero-dollar monthly premiums

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels8 records

Core offering

HealthTeam Advantage underwrites and administers Medicare Advantage health insurance plans (PPO and HMO) for Medicare-eligible beneficiaries across 33 North Carolina counties, combining Medicare Parts A and B coverage with Part D prescription drug coverage and a layered set of supplemental benefits such as dental, vision, hearing, fitness, transportation, in-home support, meal delivery, OTC allowances, and worldwide travel coverage. The company operates five core plan products (Plan I, Plan II, Vitality Plan, Eagle Plan, and Diabetes & Heart Care HMO C-SNP) supported by licensed insurance agents, a Local Benefit Center, online self-enrollment, and clinical network access through joint owners Cone Health and Novant Health.

Product overview

HealthTeam Advantage is a Medicare Advantage plan provider offering PPO and HMO plans across 33 North Carolina counties. The core product portfolio consists of five distinct Medicare Advantage plans: Plan I (PPO), Plan II (PPO), Vitality Plan (PPO), Eagle Plan (PPO MA-Only), and Diabetes & Heart Care (HMO C-SNP). These plans provide all-in-one coverage combining Medicare Parts A and B benefits with supplemental benefits including dental (Dominion Dental), vision (VSP), hearing (TruHearing), fitness (SilverSneakers), transportation (SafeRide Health), in-home support (Papa), meal delivery (NationsBenefits), OTC allowances, nurse advice line, worldwide travel coverage, and chiropractic care. Part D prescription drug coverage is included in most plans, with a Medicare Prescription Payment Plan option administered through Capital Rx for managing high drug costs.

Differentiator

Problem solved

Functional benefit

Products and services

• Plan I (PPO) Medicare Advantage PPO plan offering comprehensive medical coverage, Part D prescription drugs, and supplemental benefits including dental, vision, hearing, fitness, and transportation for Medicare-eligible beneficiaries in North Carolina.
• Plan II (PPO) Mid-tier Medicare Advantage PPO plan with enhanced benefits and higher coverage limits compared to Plan I, including worldwide travel coverage up to $75,000 for Medicare-eligible beneficiaries in North Carolina.
• Vitality Plan (PPO) Premium-tier Medicare Advantage PPO plan featuring routine chiropractic care, a $50 quarterly SilverSneakers fitness flex card, an enhanced OTC allowance, and an optional dental rider for Medicare-eligible beneficiaries in North Carolina.
• Eagle Plan (PPO MA-Only) Medicare Advantage PPO plan without Part D prescription drug coverage, offering medical-only benefits with enhanced transportation including unlimited VA facility rides for Medicare-eligible beneficiaries in North Carolina.
• Diabetes & Heart Care (HMO C-SNP) Chronic Condition Special Needs Plan (HMO C-SNP) for Medicare beneficiaries diagnosed with diabetes mellitus and/or chronic heart failure, requiring provider attestation for enrollment and providing care coordination with $0 copays for primary care providers and Tier 1 prescriptions at Preferred Pharmacies.
• Medicare Prescription Payment Plan Optional payment program administered through Capital Rx that allows HealthTeam Advantage members to spread out-of-pocket Medicare Part D prescription drug costs across the calendar year, helping manage high prescription expenses against the $2,100 annual out-of-pocket cap for 2026.

Quantifiable outcome

• 4.5-star CMS rating for PPO plans (2025)
• +3 more outcomes

Named customers5 records

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration12 records

Feature5 records

Partnerships

Eleven partnerships are on record, tiered core and supporting.

• Cone HealthcoreStrategic or Co-development Partner · 1 January 2015Cone Health is a joint owner of HealthTeam Advantage alongside Novant Health. Major healthcare system providing the provider network foundation. Operates Cone Health Community Pharmacy with 8 locations providing preferred pharmacy services and home delivery integrated with member medical records.
• Novant HealthcoreStrategic or Co-development Partner · 1 January 2015Novant Health is a joint owner of HealthTeam Advantage alongside Cone Health. Major healthcare system providing the provider network foundation for Medicare Advantage plan coverage in North Carolina.
• Dominion Dental Services, Inc.coreTechnology or IntegrationDental benefits administrator providing in-network dental providers for HealthTeam Advantage members across North Carolina. Contact: 833-208-3848, P.O. Box 211424, Eagan, MN 55121.
• VSP Vision CarecoreTechnology or IntegrationVision benefits administrator with thousands of providers nationwide and more than 950 in North Carolina. Provides exam and eyewear coverage through one-stop shop providers. Contact: 800-615-1883, P.O. Box 495918, Cincinnati, OH 45249-5918.
• TruHearingcoreTechnology or IntegrationHearing aid benefits administrator providing exclusive national hearing aid savings program and provider network. Covers routine hearing exams, TruHearing Premium/Advanced/Standard hearing aids, and unlimited fitting and adjustment visits. Contact: 1-855-286-0550, 12936 Frontrunner Blvd. #100, Draper, UT 84020.
• SafeRide HealthcoreTechnology or IntegrationTransportation services partner providing rides to medical appointments and plan-approved health-related locations. Offers rideshare, ambulatory non-emergency medical transportation, and wheelchair van services.
• PapasupportingTechnology or IntegrationIn-home support and companion services partner providing Papa Pals - trained, vetted non-medical helpers who assist with everyday tasks, errands, transportation, grocery shopping, meal prep, laundry, pet help, and social companionship.
• NationsBenefitscoreTechnology or IntegrationProvides OTC benefit administration with prepaid debit cards for eligible OTC items, fitness flex cards for Vitality Plan, and in-home meal delivery benefits after hospital discharge. Contact through NationsBenefits platform.
• SilverSneakers (Tivity Health)supportingTechnology or IntegrationFitness program partner providing SilverSneakers membership with access to thousands of participating fitness locations, live online and in-person classes, and on-demand workout videos. Vitality Plan includes $50 quarterly fitness flex card.
• Capital RxsupportingTechnology or IntegrationPrescription drug payment platform for Medicare Prescription Payment Plan enrollment and management. Provides member portal and payment calculator for spreading prescription drug costs across the calendar year.
• Zelis PaymentssupportingTechnology or IntegrationProvider EFT payment enrollment partner. All providers must enroll with Zelis Payments to receive electronic funds transfer payments; otherwise payments are issued by paper check. Phone: 855-496-1571.

Scale indicators4 records

Recent moves8 records

Expansion highlights5 records

Direct peers

• Clover Health: Clover Health is a tech-forward Medicare Advantage plan that emphasizes provider partnership and clinical data analytics. Its PPO-heavy plan mix and focus on chronic care management make it a strong direct comparable to HTA's provider-sponsored model.
• Devoted Health: Devoted Health is a regional Medicare Advantage plan with a strong focus on member experience, high-touch concierge service, and provider partnerships. Its operating model and product mix closely parallel HTA's HMO/PPO C-SNP approach.
• Alignment Healthcare: Alignment Healthcare is a tech-enabled Medicare Advantage plan with a regional focus and strong provider partnership orientation. It mirrors HTA's model of differentiated supplemental benefits and local member concierge services, scaled across select states.
• Blue Cross and Blue Shield of North Carolina: Blue Cross NC is the dominant North Carolina health insurer offering Medicare Advantage plans across overlapping counties. It is the most direct competitor to HealthTeam Advantage in NC, with broader network reach and similar provider system relationships.

Broad incumbents

• Cigna Healthcare: Cigna offers Medicare Advantage plans in select NC counties and competes on supplemental benefits and Part D coverage. It is a broader incumbent in the health insurance space and a relevant comparator for HTA's PPO and HMO plans.
• UnitedHealthcare (UnitedHealth Group): UnitedHealthcare is the largest Medicare Advantage insurer in the U.S. and competes in NC counties with HTA. Its AARP-branded MA plans are the dominant national benchmark against which HTA positions its 4.5-star PPO offering.
• WellCare (Centene Corporation): WellCare, a Centene company, offers Medicare Advantage plans in NC with a strong focus on dual-eligible and lower-income seniors. It competes for the dual-eligible segment and the broader MA market in HTA's service area.
• Humana: Humana is one of the largest Medicare Advantage insurers nationally with a sizable NC footprint. It competes directly on PPO and HMO plans and is a major indirect competitor in counties where HTA operates.
• Aetna (CVS Health): Aetna offers Medicare Advantage plans in NC through its parent CVS Health, with vertically integrated pharmacy (CVS Caremark, retail clinics) capabilities. It competes on MA-PD benefits and chronic care management where HTA's C-SNP also plays.

Emerging players

• Molina Healthcare: Molina Healthcare offers Medicare Advantage plans in NC with a focus on government-sponsored and dual-eligible populations. It is a relevant competitor for the dual-eligible segment that HTA has identified as a secondary customer base.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/27109717

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about HealthTeam Advantage