Plan year 2027 · Medicare AdvantageCMS files of Sept. 22 and Oct. 1, 2026
AmeriHealth Caritas VIP Care Choice, 2027
H0738Contract002Plan
HMO D-SNP · special needs plan, dual-eligible · 3 counties in Delaware
Run by Amerihealth Caritas Vip Next, Inc. (contract H0738), sold as AmeriHealth Caritas VIP Care (HMO-D-SNP), owned by Independence Health Group, Inc.
AmeriHealth Caritas VIP Care Choice (H0738-002) costs $0 a month in 2027, down $31.20 from 2026, with an in-network out-of-pocket limit of $9,250 ($7,550 in 2026).
What changes from 2026 to 2027?
| What you pay or get | 2026 | 2027 | Change |
|---|---|---|---|
| Monthly premium | $31.20 | $0 | ▼down $31.20 |
| In-network out-of-pocket limit | $7,550 | $9,250 | ▲up $1,700 |
| Drug deductible | $615 | $120 | ▼down $495 |
| Skilled nursing facility, in network | $0 a day for days 1–20, then $218 a day for days 21–100 | $0 a day for days 1–20, then $221 a day for days 21–100 | ▲up $30for a 30-day stay |
| Comprehensive dental, yearly limit | $2,000 a year | $1,250 a year | ▼down $750 |
| Eyewear, yearly limit | $200 a year | $100 a year | ▼down $100 |
| Hearing aids, yearly limit for both ears | $400 a year | not offered | ▼dropped |
| Over-the-counter items, yearly | $540 a year | not offered | ▼dropped |
| Drug tier 1, preferred generic | 25% of the cost | $0 | changed |
| Drug tier 2, generic | 25% of the cost | $3 | changed |
| Drug tier 5, specialty tier | 25% of the cost | 31% of the cost | ▲up 6 points |
| 10 lines do not change | |||
| Part B premium reduction, monthly | none | none | no change |
| Primary care visit | $0 copay | $0 copay | no change |
| Specialist visit | 20% of the cost | 20% of the cost | no change |
| Emergency room | $115 copay | $115 copay | no change |
| Medical deductible, in network | none | none | no change |
| Hospital stay, in network | $1,500 a stay | $1,500 a stay | no change |
| Ground ambulance, in network | 20% of the cost | 20% of the cost | no change |
| Counties served | 3 | 3 | no change |
| Drug tier 3, preferred brand | 25% of the cost | 25% of the cost | no change |
| Drug tier 4, non-preferred drug | 25% of the cost | 25% of the cost | no change |
Source: CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision); CMS plan benefit package files, 2027 and 2026; CMS plan crosswalk from 2026 to 2027 (Oct. 1, 2026). Plan details can change during the year; confirm on Medicare Plan Finder.
What will prescriptions cost?
| Tier | What the tier holds | 2026 | 2027 |
|---|---|---|---|
| Tier 1 | Preferred Generic | 25% of the cost | $0 |
| Tier 2 | Generic | 25% of the cost | $3 |
| Tier 3 | Preferred Brand | 25% of the cost | 25% of the cost |
| Tier 4 | Non-Preferred Drug | 25% of the cost | 25% of the cost |
| Tier 5 | Specialty Tier | 25% of the cost | 31% of the cost |
Source: CMS plan benefit package files, 2027 and 2026. Insulin is capped at $35 a month by law. A drug's tier is set by the plan's formulary.
How does it compare with plans sold where it is?
In the counties it serves, 6 dual-eligible special needs plans are sold for 2027, this one included. Against the others, 1 plan has a lower out-of-pocket limit, 4 a higher one. On the premium, 1 the same, 4 a higher one.
Out-of-pocket limits of the 6 dual-eligible special needs plans
Source: CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision).
Where is it sold, and what does it cost there?
The premium and the out-of-pocket limit are the same in all 3 counties: $0 a month and $9,250.
Delaware
Source: CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision).
Who runs this plan?
- Plan ID
- H0738-002
- Legal name of the contract
- Amerihealth Caritas Vip Next, Inc.
- Sold as
- AmeriHealth Caritas VIP Care (HMO-D-SNP)
- Parent company
- Independence Health Group, Inc.
- Plan type
- HMO D-SNP
- 2026 star rating of the contract
- not rated (too little data) overall; health plan not rated, drug plan not rated
- Members, September 2026
- 183
- Plan website, as filed with CMS
- www.amerihealthcaritasvipcare.com/de/choice
Source: CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision); CMS 2026 Star Ratings (October 2025); CMS monthly enrollment by plan and by county, September 2026 (CMS hides counts under 11). CMS publishes the 2027 Star Ratings in October 2026.
What else should you check?
- Other 2027 plans in New Castle, DEWhere most of its members live; premiums and limits side by side
- Every AmeriHealth Caritas VIP Care (HMO-D-SNP) plan for 2027Its contracts, counties and plans that end
- The other 1 plan of contract H0738Same company, same contract
- Is your prescription covered?Coverage share and tier for 2,259 drugs
Data, not advice. These are the plan's filed amounts, not a quote for you; confirm on Medicare Plan Finder or call the plan before you enroll.