Plan year 2027 · Medicare AdvantageCMS files of Sept. 22 and Oct. 1, 2026

Aetna Medicare Full Dual Select, 2027

H1609Contract078Plan

HMO D-SNP · special needs plan, dual-eligible · 4 counties in Florida

Run by Aetna Health Inc. (FL) (contract H1609), sold as Aetna Medicare, owned by CVS Health Corporation

Takes in 1 plan

2026 star rating, contract H1609: 4.5 of 5

Aetna Medicare Full Dual Select (H1609-078) costs $0 a month in 2027, the same as in 2026, with an in-network out-of-pocket limit of $9,850 ($9,250 in 2026). It takes in the members of H1609-056.

What changes from 2026 to 2027?

The changed lines are marked and come first. In-network amounts; members keep paying the Part B premium unless the plan reduces it.
What you pay or get	2026	2027	Change
In-network out-of-pocket limit	$9,250	$9,850	up $600
Drug deductible	$615	$700	up $85
Primary care visit	20% of the cost	30% of the cost	changed
Specialist visit	20% of the cost	30% of the cost	changed
Hospital stay, in network	$1,900 a stay	$2,241 a stay	up $341for a 5-day stay
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
Ground ambulance, in network	$205 copay	20% of the cost	changed
Hearing aids, yearly limit for both ears	$2,000 a year	$1,500 a year	down $500
Over-the-counter items, yearly	$2,820 a year	$3,792 a year	up $972
Drug tier 3, preferred brand	22% of the cost	9% of the cost	down 13 points
11 lines do not change
Monthly premium	$0	$0	no change
Part B premium reduction, monthly	none	none	no change
Emergency room	$115 copay	$115 copay	no change
Medical deductible, in network	none	none	no change
Comprehensive dental, yearly limit	not offered	not offered	no change
Eyewear, yearly limit	$400 a year	$400 a year	no change
Counties served	4	4	no change
Drug tier 1, preferred generic	$0	$0	no change
Drug tier 2, 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?

Your share for a 30-day supply at a retail pharmacy, as filed with CMS; tiers whose share changes are marked
Tier	What the tier holds	2026	2027
Tier 1	Preferred Generic	$0	$0
Tier 2	Generic	$0	$0
Tier 3	Preferred Brand	22% of the cost	9% 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, 23 dual-eligible special needs plans are sold for 2027, this one included. Against the others, 11 plans have a lower out-of-pocket limit, 11 the same. On the premium, 20 the same, 2 a higher one.

Out-of-pocket limits of the 23 dual-eligible special needs plans

$0 to under $2,0006 plans

$2,000 to under $4,0004 plans

$4,000 to under $6,0001 plan

$6,000 to under $8,0000 plans

$8,000 to $10,000 (this plan)12 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 4 counties: $0 a month and $9,850.

Florida

Charlotte Collier Highlands Lee

Source: CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision).

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 214 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
Aetna Medicare Dual SelectH1609-056	1,424	1,408	$0	no change	$9,250	up $600

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: H1609-078
Legal name of the contract: Aetna Health Inc. (FL)
Sold as: Aetna Medicare
Parent company: CVS Health Corporation
Plan type: HMO D-SNP
2026 star rating of the contract: 4.5 of 5 overall; health plan 4 of 5, drug plan 4 of 5
Members, September 2026: 214
Plan website, as filed with CMS: www.aetna.com/medicare

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 Lee, FLWhere most of its members live; premiums and limits side by side
Every Aetna Medicare plan for 2027Its contracts, counties and plans that end
The other 49 plans of contract H1609Same 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.