Plan year 2027 · Medicare AdvantageCMS files of Sept. 22 and Oct. 1, 2026
Univera Medicare Freedom, 2027
H3351Contract001Plan
HMO-POS · 8 counties in New York
Run by Excellus Health Plan, Inc. (contract H3351), sold as Excellus Health Plan, Inc, owned by Lifetime Healthcare, Inc.
Univera Medicare Freedom (H3351-001) costs $0 a month in 2027, the same as in 2026, with an in-network out-of-pocket limit of $6,500 ($4,500 in 2026).
What changes from 2026 to 2027?
| What you pay or get | 2026 | 2027 | Change |
|---|---|---|---|
| In-network out-of-pocket limit | $4,500 | $6,500 | ▲up $2,000 |
| Part B premium reduction, monthly | $35 | $25 | ▼down $10 |
| Skilled nursing facility, in network | $0 a day for days 1–20, then $218 a day for days 21–100 | $0 a day for days 1–20, then $221 a day for days 21–100 | ▲up $30for a 30-day stay |
| Comprehensive dental, yearly limit | $1,000 a year | $500 a year | ▼down $500 |
| Over-the-counter items, yearly | $200 a year | not offered | ▼dropped |
| 10 lines do not change | |||
| Monthly premium | $0 | $0 | no change |
| Primary care visit | $5 copay | $5 copay | no change |
| Specialist visit | $35 copay | $35 copay | no change |
| Emergency room | $115 copay | $115 copay | no change |
| Medical deductible, in network | none | none | no change |
| Hospital stay, in network | $260 a day for days 1–5, then $0 a day for days 6–90 | $260 a day for days 1–5, then $0 a day for days 6–90 | no change |
| Ground ambulance, in network | $150 copay | $150 copay | no change |
| Eyewear, yearly limit | $250 a year | $250 a year | no change |
| Hearing aids, yearly limit for both ears | not offered | not offered | no change |
| Counties served | 8 | 8 | 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.
How does it compare with plans sold where it is?
In the counties it serves, 45 plans open to everyone are sold for 2027, this one included. Against the others, 3 plans have a lower out-of-pocket limit, 41 a higher one. On the premium, 21 the same, 23 a higher one.
Out-of-pocket limits of the 45 plans open to everyone
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 8 counties: $0 a month and $6,500.
New York
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
- H3351-001
- Legal name of the contract
- Excellus Health Plan, Inc.
- Sold as
- Excellus Health Plan, Inc
- Parent company
- Lifetime Healthcare, 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
- 269
- Plan website, as filed with CMS
- www.UniveraHealthcare.com
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 Erie, NYWhere most of its members live; premiums and limits side by side
- Every Excellus Health Plan, Inc plan for 2027Its contracts, counties and plans that end
- The other 18 plans of contract H3351Same 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.