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

Wellcare Home State Health Dual Reserve, 2027

H1664Contract012Plan

HMO-POS D-SNP · special needs plan, dual-eligible · 49 counties in Missouri

Run by Home State Health Plan, Inc. (contract H1664), sold as Wellcare, owned by Centene Corporation

Renews for 2027

2026 star rating, contract H1664: 3 of 5

Wellcare Home State Health Dual Reserve (H1664-012) costs $18.40 a month in 2027, down $14.20 from 2026, with an in-network out-of-pocket limit of $3,600. In 2026 it was called Wellcare Dual Reserve.

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
Plan name	Wellcare Dual Reserve	Wellcare Home State Health Dual Reserve	renamed
Monthly premium	$32.60	$18.40	down $14.20
Drug deductible	$615	$700	up $85
Skilled nursing facility, in network	$0 a day for days 1–20, then $218 a day for days 21–40, then $0 a day for days 41–100	$0 a day for days 1–20, then $221 a day for days 21–40, then $0 a day for days 41–100	up $30for a 30-day stay
Comprehensive dental, yearly limit	$2,000 a year	not offered	dropped
Hearing aids, yearly limit for both ears	$500 a year	not offered	dropped
Drug tier 1, generic	$19	$15	down $4
Drug tier 2, preferred brand	$20	25% of the cost	changed
Drug tier 3, non-preferred drug	25% of the cost	29% of the cost	up 4 points
Drug tier 4, injectable drugs	$100	25% of the cost	changed
Drug tier 6, select care drugs	$4	$0	down $4
12 lines do not change
In-network out-of-pocket limit	$3,600	$3,600	no change
Part B premium reduction, monthly	none	none	no change
Primary care visit	$0 copay	$0 copay	no change
Specialist visit	$25 copay	$25 copay	no change
Emergency room	$150 copay	$150 copay	no change
Medical deductible, in network	none	none	no change
Hospital stay, in network	$290 a day for days 1–8, then $0 a day for days 9–90	$290 a day for days 1–8, then $0 a day for days 9–90	no change
Ground ambulance, in network	$250 copay	$250 copay	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	49	49	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. The plan charges less at its preferred pharmacies
Tier	What the tier holds	2026, standard pharmacy	2027, standard pharmacy	2027, preferred pharmacy
Tier 1	Generic	$19	$15	$0
Tier 2	Preferred Brand	$20	25% of the cost	25% of the cost
Tier 3	Non-Preferred Drug	25% of the cost	29% of the cost	28% of the cost
Tier 4	Injectable Drugs	$100	25% of the cost	25% of the cost
Tier 5	Specialty Tier	25% of the cost	25% of the cost	25% of the cost
Tier 6	Select Care Drugs	$4	$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, 30 dual-eligible special needs plans are sold for 2027, this one included. Against the others, 1 the same, 28 a higher one. On the premium, 26 plans have a lower premium, 3 the same.

Out-of-pocket limits of the 30 dual-eligible special needs plans

$0 to under $2,0000 plans

$2,000 to under $4,000 (this plan)2 plans

$4,000 to under $6,0001 plan

$6,000 to under $8,0000 plans

$8,000 to $10,00027 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 49 counties: $18.40 a month and $3,600.

Missouri

Audrain Barry Barton Bates Boone Callaway Cass Christian Clay Clinton Cole Cooper Crawford Dade Dallas Douglas Franklin Gasconade Greene Henry Jackson Jasper Jefferson Johnson Laclede Lafayette Lawrence Lincoln Maries McDonald Miller Moniteau Montgomery Morgan Newton Osage Platte Polk Ray St. Charles St. Louis St. Louis City Stone Taney Vernon Warren Washington Webster Wright

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: H1664-012
Legal name of the contract: Home State Health Plan, Inc.
Sold as: Wellcare
Parent company: Centene Corporation
Plan type: HMO-POS D-SNP
2026 star rating of the contract: 3 of 5 overall; health plan 2.5 of 5, drug plan 3.5 of 5
Members, September 2026: 230
Plan website, as filed with CMS: go.wellcare.com/AllwellMO

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 Jackson, MOWhere most of its members live; premiums and limits side by side
Every Wellcare plan for 2027Its contracts, counties and plans that end
The other 2 plans of contract H1664Same 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.