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

MVP Medicare Secure Plus with Part D, 2027

H3305Contract022Plan

HMO-POS · 39 counties in New York

Run by MVP Health Plan, Inc. (contract H3305), sold as MVP HEALTH CARE, owned by MVP Health Care, Inc.

Renews for 2027

2026 star rating, contract H3305: 4 of 5

MVP Medicare Secure Plus with Part D (H3305-022) costs $165 a month in 2027, up $49 from 2026, with an in-network out-of-pocket limit of $6,000.

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	$116	$165	up $49
Drug deductible	$400	$500	up $100
Specialist visit	$35 copay	$40 copay	up $5
Hospital stay, in network	$350 a day for days 1–5, then $0 a day for days 6–90	$400 a day for days 1–5, then $0 a day for days 6–90	up $250for a 5-day stay
Skilled nursing facility, in network	$0 a day for days 1–20, then $214 a day for days 21–100	$0 a day for days 1–20, then $221 a day for days 21–100	up $70for a 30-day stay
Comprehensive dental, yearly limit	not offered	$300 a year	added
Over-the-counter items, yearly	$200 a year	$80 a year	down $120
Drug tier 4, non-preferred drug	25% of the cost	40% of the cost	up 15 points
Drug tier 5, specialty tier	25% of the cost	28% of the cost	up 3 points
12 lines do not change
In-network out-of-pocket limit	$6,000	$6,000	no change
Part B premium reduction, monthly	none	none	no change
Primary care visit	$0 copay	$0 copay	no change
Emergency room	$100 copay	$100 copay	no change
Medical deductible, in network	none	none	no change
Ground ambulance, in network	$200 copay	$200 copay	no change
Eyewear, yearly limit	$175 a year	$175 a year	no change
Hearing aids, yearly limit for both ears	not offered	not offered	no change
Counties served	39	39	no change
Drug tier 1, preferred generic	$0	$0	no change
Drug tier 2, generic	$2	$2	no change
Drug tier 3, preferred brand	16% of the cost	16% 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	$2	$2
Tier 3	Preferred Brand	16% of the cost	16% of the cost
Tier 4	Non-Preferred Drug	25% of the cost	40% 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, 96 plans open to everyone are sold for 2027, this one included. Against the others, 1 plan has a lower out-of-pocket limit, 1 the same, 93 a higher one. On the premium, 89 plans have a lower premium, 6 a higher one.

Out-of-pocket limits of the 96 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 $8,000 (this plan)31 plans

$8,000 to $10,00064 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 39 counties: $165 a month and $6,000.

New York

Albany Allegany Broome Cattaraugus Cayuga Chautauqua Chemung Chenango Columbia Cortland Delaware Dutchess Fulton Greene Herkimer Jefferson Lewis Madison Montgomery Oneida Onondaga Orange Oswego Otsego Putnam Rensselaer Rockland Saratoga Schenectady Schoharie Schuyler Steuben Sullivan Tioga Tompkins Ulster Warren Washington Westchester

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: H3305-022
Legal name of the contract: MVP Health Plan, Inc.
Sold as: MVP HEALTH CARE
Parent company: MVP Health Care, Inc.
Plan type: HMO-POS
2026 star rating of the contract: 4 of 5 overall; health plan 4 of 5, drug plan 4 of 5
Members, September 2026: 8,863
Plan website, as filed with CMS: www.mvphealthcare.com/plans/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 Ulster, NYWhere most of its members live; premiums and limits side by side
Every MVP HEALTH CARE plan for 2027Its contracts, counties and plans that end
The other 7 plans of contract H3305Same 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.