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

UHC Dual Complete VA-Y002, 2027

H2445Contract003Plan

HMO-POS D-SNP · special needs plan, dual-eligible · 133 counties in Virginia

Run by UnitedHealthcare of the Mid-Atlantic, Inc. (contract H2445), sold as UnitedHealthcare, owned by UnitedHealth Group, Inc.

Takes in 1 plan

2026 star rating, contract H2445: not rated (too new)

UHC Dual Complete VA-Y002 (H2445-003) costs $0 a month in 2027, down $24.60 from 2026, with an in-network out-of-pocket limit of $9,850 ($9,250 in 2026). It takes in the members of H2445-005. Some of its 2026 members move to H2445-001 instead (CMS crosswalk).

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
Monthly premium	$24.60	$0	down $24.60
In-network out-of-pocket limit	$9,250	$9,850	up $600
Drug deductible	$615	$455	down $160
Part B premium reduction, monthly	$1.50	none	dropped
Hospital stay, in network	$1,740 a stay	$1,460 a stay	down $280for a 5-day stay
Counties served	132	133	up 1
Drug tier 2, generic	25% of the cost	$0	changed
Drug tier 5, specialty tier	25% of the cost	28% of the cost	up 3 points
13 lines do not change
Primary care visit	0% of the cost	0% of the cost	no change
Specialist visit	0% of the cost	0% of the cost	no change
Emergency room	$115 copay	$115 copay	no change
Medical deductible, in network	none	none	no change
Skilled nursing facility, in network	not filed	not filed	no change
Ground ambulance, in network	20% of the cost	20% of the cost	no change
Comprehensive dental, yearly limit	not offered	not offered	no change
Eyewear, yearly limit	$200 a year	$200 a year	no change
Hearing aids, yearly limit for both ears	$1,100 a year	$1,100 a year	no change
Over-the-counter items, yearly	not offered	not offered	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

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	$0
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	28% 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, 18 dual-eligible special needs plans are sold for 2027, this one included. Against the others, 1 plan has a lower out-of-pocket limit, 16 the same. On the premium, 14 the same, 3 a higher one.

Out-of-pocket limits of the 18 dual-eligible special needs plans

$0 to under $2,0000 plans

$2,000 to under $4,0001 plan

$4,000 to under $6,0000 plans

$6,000 to under $8,0000 plans

$8,000 to $10,000 (this plan)17 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 133 counties: $0 a month and $9,850.

Virginia

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
UHC Dual Complete VA-YLH2445-001	132 of its 132 2026 counties, in Virginia	21,110	$0	$9,850
Stays in this plan	132 of its 132 2026 counties, in Virginia	21,110	$0	$9,850

Where the plans are sold in the same counties, the member counts overlap, so they add up to more than the plan's members.

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 21,171 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 Dual Complete VA-Y3H2445-005	3,753	3,504	$3.80	down $3.80	$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: H2445-003
Legal name of the contract: UnitedHealthcare of the Mid-Atlantic, Inc.
Sold as: UnitedHealthcare
Parent company: UnitedHealth Group, Inc.
Plan type: HMO-POS D-SNP
2026 star rating of the contract: not rated (too new) overall; health plan not rated, drug plan not rated
Members, September 2026: 21,171
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 Fairfax, VAWhere most of its members live; premiums and limits side by side
Every UnitedHealthcare plan for 2027Its contracts, counties and plans that end
The other 3 plans of contract H2445Same 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.