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

UHC Dual Complete FL-Q1, 2027

H1889Contract002Plan

PPO D-SNP · special needs plan, dual-eligible · 66 counties in Florida

Run by Care Improvement Plus South Central Insurance Co. (contract H1889), sold as UnitedHealthcare, owned by UnitedHealth Group, Inc.

Renews for 2027

2026 star rating, contract H1889: 4 of 5

UHC Dual Complete FL-Q1 (H1889-002) 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 Dual Complete FL-D003.

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. The plan files its benefits in parts for different counties, so lines marked ◆ show the most generous part of its area and some counties get less: the plan's Evidence of Coverage gives your county's amounts.
What you pay or get	2026	2027	Change
Plan name	UHC Dual Complete FL-D003	UHC Dual Complete FL-Q1	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
Hospital stay, in network (best in its area)	$1,905 a stay	$1,865 a stay	down $40for a 5-day stay
Drug tier 2, generic	25% of the cost	$5	changed
16 lines do not change
Part B premium reduction, monthly (best in its area)	none	none	no change
Primary care visit (best in its area)	0% of the cost	0% of the cost	no change
Specialist visit (best in its area)	0% of the cost	0% of the cost	no change
Emergency room (best in its area)	$115 copay	$115 copay	no change
Medical deductible, in network (best in its area)	none	none	no change
Skilled nursing facility, in network (best in its area)	not filed	not filed	no change
Ground ambulance, in network (best in its area)	20% of the cost	20% of the cost	no change
Comprehensive dental, yearly limit (best in its area)	not offered	not offered	no change
Eyewear, yearly limit (best in its area)	$250 a year	$250 a year	no change
Hearing aids, yearly limit for both ears (best in its area)	$1,100 a year	$1,100 a year	no change
Over-the-counter items, yearly (best in its area)	not offered	not offered	no change
Counties served	66	66	no change
Drug tier 1, preferred generic	$0	$0	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
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	25% of the cost	$5
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	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, 127 dual-eligible special needs plans are sold for 2027, this one included. Against the others, 52 plans have a lower out-of-pocket limit, 74 the same. On the premium, 107 the same, 19 a higher one.

Out-of-pocket limits of the 127 dual-eligible special needs plans

$0 to under $2,00010 plans

$2,000 to under $4,00028 plans

$4,000 to under $6,00012 plans

$6,000 to under $8,0002 plans

$8,000 to $10,000 (this plan)75 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 66 counties: $0 a month and $9,850.

Florida

Alachua Baker Bay Bradford Brevard Broward Calhoun Charlotte Citrus Clay Collier Columbia DeSoto Dixie Duval Escambia Flagler Franklin Gadsden Gilchrist Glades Gulf Hamilton Hardee Hendry Hernando Highlands Hillsborough Holmes Indian River Jackson Jefferson Lafayette Lake Lee Leon Levy Liberty Madison Manatee Marion Martin Miami-Dade Nassau Okaloosa Okeechobee Orange Osceola Palm Beach Pasco Pinellas Polk Putnam Santa Rosa Sarasota Seminole St. Johns St. Lucie Sumter Suwannee Taylor Union Volusia Wakulla Walton Washington

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: H1889-002
Legal name of the contract: Care Improvement Plus South Central Insurance Co.
Sold as: UnitedHealthcare
Parent company: UnitedHealth Group, Inc.
Plan type: PPO D-SNP
2026 star rating of the contract: 4 of 5 overall; health plan 4 of 5, drug plan 4 of 5
Members, September 2026: 43,419
Plan website, as filed with CMS: UHC.com/CommunityPlan

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 Hillsborough, 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 22 plans of contract H1889Same 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.