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

Wellcare Giveback Open, 2027

H2775Contract111Plan

PPO · 48 counties in New York

Run by American Progressive Life & Hlth Ins Company of NY (contract H2775), sold as Wellcare, owned by Centene Corporation

Renews in fewer counties

2026 star rating, contract H2775: 3 of 5

Wellcare Giveback Open (H2775-111) 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 leaves 4 counties it served in 2026, where 3,255 of its members lived; they choose another plan for 2027 (the counties are listed below).

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
Part B premium reduction, monthly	$40	$37	down $3
Specialist visit	$35 copay	$50 copay	up $15
Medical deductible, in network	$250	$300	up $50
Skilled nursing facility, in network	$0 a day for days 1–20, then $218 a day for days 21–70, then $0 a day for days 71–100	$0 a day for days 1–20, then $221 a day for days 21–70, then $0 a day for days 71–100	up $30for a 30-day stay
Ground ambulance, in network	$350 copay	$320 copay	down $30
Counties served	52	48	down 4
Drug tier 1, generic	$5	$10	up $5
Drug tier 2, preferred brand	$10	25% of the cost	changed
Drug tier 3, non-preferred drug	25% of the cost	41% of the cost	up 16 points
Drug tier 4, injectable drugs	34% of the cost	1% of the cost	down 33 points
10 lines do not change
Monthly premium	$0	$0	no change
Primary care visit	$0 copay	$0 copay	no change
Emergency room	$115 copay	$115 copay	no change
Hospital stay, in network	$2,015 a stay	$2,015 a stay	no change
Comprehensive dental, yearly limit	not offered	not offered	no change
Eyewear, yearly limit	not offered	not offered	no change
Hearing aids, yearly limit for both ears	not offered	not offered	no change
Over-the-counter items, yearly	not offered	not offered	no change
Drug tier 5, specialty tier	25% of the cost	25% of the cost	no change
Drug tier 6, select care drugs	$0	$0	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	$5	$10	$0
Tier 2	Preferred Brand	$10	25% of the cost	25% of the cost
Tier 3	Non-Preferred Drug	25% of the cost	41% of the cost	41% of the cost
Tier 4	Injectable Drugs	34% of the cost	1% of the cost	1% of the cost
Tier 5	Specialty Tier	25% of the cost	25% of the cost	25% of the cost
Tier 6	Select Care Drugs	$0	$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, 131 plans open to everyone are sold for 2027, this one included. Against the others, 67 plans have a lower out-of-pocket limit, 63 the same. On the premium, 54 the same, 76 a higher one.

Out-of-pocket limits of the 131 plans open to everyone

$0 to under $2,0000 plans

$2,000 to under $4,0000 plans

$4,000 to under $6,0001 plan

$6,000 to under $8,00035 plans

$8,000 to $10,000 (this plan)95 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?

It stops serving 4 counties it served in 2026 (listed in the next section).

The premium and the out-of-pocket limit are the same in all 48 counties: $0 a month and $9,850.

New York

Albany Allegany Bronx Cattaraugus Cayuga Chautauqua Chemung Chenango Clinton Columbia Cortland Dutchess Erie Essex Franklin Fulton Genesee Greene Hamilton Herkimer Jefferson Kings Madison Montgomery Nassau New York Niagara Oneida Onondaga Ontario Orange Oswego Putnam Queens Rensselaer Rockland Saratoga Schenectady Schoharie Seneca Steuben Sullivan Tioga Tompkins Ulster Warren Washington Wyoming

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

What if you live in a county it leaves?

Its 2026 members in the 4 counties listed below cannot stay in it for 2027; each county page lists the 2027 plans sold there.

Your coverage: This plan ends for you on December 31, 2026, because it is no longer sold where you live.
October 15 to December 7, 2026: Open enrollment: join another Medicare Advantage plan, or Original Medicare with a drug plan. Coverage starts January 1, 2027.
December 8, 2026 to the end of February 2027: A special enrollment period because the plan is leaving: you can still join a plan, but coverage starts the first day of the month after you join, so choose by December 31 to have no gap.
If you do nothing: You are enrolled in Original Medicare when the plan ends, without a drug plan unless you join one (with Extra Help or full Medicaid, Medicare enrolls you in one).
Without a drug plan: Going 63 days or more in a row without drug coverage can mean a late enrollment penalty if you join a drug plan later; joining by the end of February keeps a January and February gap under 63 days, waiting longer does not.
If you choose Original Medicare: You have a guaranteed right to buy Medigap Plan A, B, C, D, F, G, K or L sold in your state by any insurance company; if you were new to Medicare on or after January 1, 2020, Plans D and G take the place of C and F. Apply from 60 days before to 63 days after the plan ends; the policy starts once your Medicare Advantage coverage ends. Other Medigap plans are not covered by this right.

The 4 counties it leaves, most members first
County	Members, Sept. 2026
Suffolk, NY	1,852
Westchester, NY	778
Broome, NY	317
St. Lawrence, NY	308

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); Medicare.gov, “Special enrollment periods” and “When can I buy Medigap?” (read Oct. 7, 2026).

Who runs this plan?

Plan ID: H2775-111
Legal name of the contract: American Progressive Life & Hlth Ins Company of NY
Sold as: Wellcare
Parent company: Centene Corporation
Plan type: PPO
2026 star rating of the contract: 3 of 5 overall; health plan 3 of 5, drug plan 3.5 of 5
Members, September 2026: 16,117
Plan website, as filed with CMS: go.wellcare.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 Queens, NYWhere most of its members live; premiums and limits side by side
Every Wellcare plan for 2027Its contracts, counties and plans that end
The other 6 plans of contract H2775Same 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.