Plan year 2027 · Medicare AdvantageCMS files of Sept. 22 and Oct. 1, 2026
UHC Preferred Dual Complete FL-QV1P, 2027
H1045Contract038Plan
HMO D-SNP · special needs plan, dual-eligible · 1 county in Florida
Run by Preferred Care Partners, Inc. (contract H1045), sold as UnitedHealthcare, owned by UnitedHealth Group, Inc.
UHC Preferred Dual Complete FL-QV1P (H1045-038) costs $0 a month in 2027, down $4.80 from 2026, with an in-network out-of-pocket limit of $9,850 ($9,250 in 2026). In 2026 it was called UHC Preferred Dual Complete FL-D01P. It takes in the members of H1045-064. Some of its 2026 members move to H1045-065 instead (CMS crosswalk).
What changes from 2026 to 2027?
| What you pay or get | 2026 | 2027 | Change |
|---|---|---|---|
| Plan name | UHC Preferred Dual Complete FL-D01P | UHC Preferred Dual Complete FL-QV1P | renamed |
| Monthly premium | $4.80 | $0 | ▼down $4.80 |
| In-network out-of-pocket limit | $9,250 | $9,850 | ▲up $600 |
| Drug deductible | $615 | $700 | ▲up $85 |
| Emergency room | $95 copay | $115 copay | ▲up $20 |
| Hospital stay, in network | $2,085 a stay | $1,890 a stay | ▼down $195for a 5-day stay |
| Hearing aids, yearly limit for both ears | $1,250 a year | $1,100 a year | ▼down $150 |
| Drug tier 2, generic | 25% of the cost | $2 | changed |
| Drug tier 3, preferred brand | 25% of the cost | 24% of the cost | ▼down 1 point |
| 13 lines do not change | |||
| Part B premium reduction, monthly | none | none | no change |
| Primary care visit | 0% of the cost | 0% of the cost | no change |
| Specialist visit | $0 copay | $0 copay | no change |
| Medical deductible, in network | none | none | no change |
| Skilled nursing facility, in network | $0 a day for days 1–100 | $0 a day for days 1–100 | no change |
| Ground ambulance, in network | $0 copay | $0 copay | no change |
| Comprehensive dental, yearly limit | not offered | not offered | no change |
| Eyewear, yearly limit | $300 a year | $300 a year | no change |
| Over-the-counter items, yearly | not offered | not offered | no change |
| Counties served | 1 | 1 | no change |
| Drug tier 1, preferred generic | $0 | $0 | no change |
| Drug tier 4, non-preferred drug | 25% of the cost | 25% of the cost | no change |
| Drug tier 5, specialty tier | 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 | $0 | $0 |
| Tier 2 | Generic | 25% of the cost | $2 |
| Tier 3 | Preferred Brand | 25% of the cost | 24% of the cost |
| Tier 4 | Non-Preferred Drug | 25% of the cost | 25% of the cost |
| Tier 5 | Specialty Tier | 25% of the cost | 25% 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, 31 dual-eligible special needs plans are sold for 2027, this one included. Against the others, 14 plans have a lower out-of-pocket limit, 16 the same. On the premium, 25 the same, 5 a higher one.
Out-of-pocket limits of the 31 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 1 county: $0 a month and $9,850.
Florida
Source: CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision).
Where do its 2026 members go?
The CMS crosswalk moves the members of the 2026 plan into 2 plans for 2027. It names the plans but not which member goes to which; the counties show where each 2027 plan is sold, and the plan's Annual Notice of Change says which one is yours.
| 2027 plan | Sold in | Members in those counties, Sept. 2026 | Premium 2027 | Limit 2027 |
|---|---|---|---|---|
| Stays in this plan | 1 of its 1 2026 counties, in Florida | 1,589 | $0 | $9,850 |
| UHC Preferred Dual Complete FL-Y3PH1045-065 | 1 of its 1 2026 counties, in Florida | 1,589 | $7.30 | $9,850 |
Source: CMS plan crosswalk from 2026 to 2027 (Oct. 1, 2026); CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision); CMS monthly enrollment by plan and by county, September 2026 (CMS hides counts under 11).
Which 2026 plans move into it, and what changes for their members?
For 2027 this plan takes in the members of 1 other plan, beside its own 1,599 members. In 2027 it costs $0 a month with a $9,850 limit; each row compares that with the plan its members had in 2026.
| 2026 plan | Members, Sept. 2026 | Members who move | Premium 2026 | Premium change | Limit 2026 | Limit change |
|---|---|---|---|---|---|---|
| UHC Preferred Dual Complete FL-V2H1045-064 | 29 | 29 | $4.80 | ▼down $4.80 | $3,400 | ▲up $6,450 |
Source: CMS plan crosswalk from 2026 to 2027 (Oct. 1, 2026); CMS monthly enrollment by plan and by county, September 2026 (CMS hides counts under 11); CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision). Each moving plan's own page lists every line that changes for its members.
Who runs this plan?
- Plan ID
- H1045-038
- Legal name of the contract
- Preferred Care Partners, Inc.
- Sold as
- UnitedHealthcare
- Parent company
- UnitedHealth Group, Inc.
- Plan type
- HMO D-SNP
- 2026 star rating of the contract
- 4.5 of 5 overall; health plan 4.5 of 5, drug plan 4.5 of 5
- Members, September 2026
- 1,599
- Plan website, as filed with CMS
- myPreferredCare.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 Palm Beach, FLWhere most of its members live; premiums and limits side by side
- Every UnitedHealthcare plan for 2027Its contracts, counties and plans that end
- The other 29 plans of contract H1045Same 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.