Plan year 2027 · Medicare AdvantageCMS files of Sept. 22 and Oct. 1, 2026
MyAdvocate Medicare Advantage GOLD, 2027
H0816Contract001Plan
HMO-POS · 21 counties in Nebraska
Run by Beshp, Inc. (contract H0816), sold as MyAdvocate Medicare Advantage, owned by Sanford Health
MyAdvocate Medicare Advantage GOLD (H0816-001) costs $82 a month in 2027, up $13 from 2026, with an in-network out-of-pocket limit of $5,500 ($3,500 in 2026).
What changes from 2026 to 2027?
| What you pay or get | 2026 | 2027 | Change |
|---|---|---|---|
| Monthly premium | $69 | $82 | ▲up $13 |
| In-network out-of-pocket limit | $3,500 | $5,500 | ▲up $2,000 |
| Hospital stay, in network | $390 a day for days 1–4, then $0 a day for days 5–90 | $400 a day for days 1–5, then $0 a day for days 6–90 | ▲up $440for a 5-day stay |
| Skilled nursing facility, in network | $0 a day for days 1–20, then $196 a day for days 21–100 | $0 a day for days 1–20, then $221 a day for days 21–100 | ▲up $250for a 30-day stay |
| Comprehensive dental, yearly limit | not offered | $500 a year | ▲added |
| Counties served | 20 | 21 | ▲up 1 |
| Drug tier 2, generic | $14 | $8 | ▼down $6 |
| Drug tier 3, preferred brand | $47 | 25% of the cost | changed |
| Drug tier 4, non-preferred drug | 50% of the cost | 30% of the cost | ▼down 20 points |
| 13 lines do not change | |||
| Drug deductible | $250 | $250 | no change |
| Part B premium reduction, monthly | none | none | no change |
| Primary care visit | $0 copay | $0 copay | no change |
| Specialist visit | $35 copay | $35 copay | no change |
| Emergency room | $120 copay | $120 copay | no change |
| Medical deductible, in network | none | none | no change |
| Ground ambulance, in network | $275 copay | $275 copay | no change |
| Eyewear, yearly limit | not offered | not offered | no change |
| Hearing aids, yearly limit for both ears | not offered | not offered | no change |
| Over-the-counter items, yearly | $380 a year | $380 a year | no change |
| Drug tier 1, preferred generic | $0 | $0 | no change |
| Drug tier 5, specialty tier | 30% of the cost | 30% of the cost | no change |
| Drug tier 6, select care drugs | $0 | $0 | 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 | $0 | $0 |
| Tier 2 | Generic | $14 | $8 |
| Tier 3 | Preferred Brand | $47 | 25% of the cost |
| Tier 4 | Non-Preferred Drug | 50% of the cost | 30% of the cost |
| Tier 5 | Specialty Tier | 30% of the cost | 30% of the cost |
| Tier 6 | Select Care Drugs | $0 | $0 |
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, 33 plans open to everyone are sold for 2027, this one included. Against the others, 8 plans have a lower out-of-pocket limit, 24 a higher one. On the premium, 27 plans have a lower premium, 4 a higher one.
Out-of-pocket limits of the 33 plans open to everyone
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 21 counties: $82 a month and $5,500.
Nebraska
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
- H0816-001
- Legal name of the contract
- Beshp, Inc.
- Sold as
- MyAdvocate Medicare Advantage
- Parent company
- Sanford Health
- Plan type
- HMO-POS
- 2026 star rating of the contract
- not rated (too new) overall; health plan not rated, drug plan not rated
- Members, September 2026
- fewer than 11
- Plan website, as filed with CMS
- www.MyAdvocateMA.com
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 Lancaster, NEWhere most of its members live; premiums and limits side by side
- Every MyAdvocate Medicare Advantage plan for 2027Its contracts, counties and plans that end
- The other 1 plan of contract H0816Same 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.