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

Perennial Advantage Freedom, 2027

H3419Contract006Plan

HMO · 12 counties in Pennsylvania

Run by Perennial Advantage of Colorado, Inc. (contract H3419), sold as Perennial Advantage, owned by Perennial Consortium, LLC

Renews for 2027

2026 star rating, contract H3419: not rated (too little data)

Perennial Advantage Freedom (H3419-006) costs $0 a month in 2027, the same as in 2026, with an in-network out-of-pocket limit of $4,500 ($5,900 in 2026).

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	$5,900	$4,500	down $1,400
Eyewear, yearly limit	$1,200 a year	$150 a year	down $1,050
Hearing aids, yearly limit for both ears	$1,200 a year	$600 a year	down $600
Counties served	7	12	up 5
Drug tier 3, preferred brand	$45	25% of the cost	changed
Drug tier 4, non-preferred drug	$95	25% of the cost	changed
Drug tier 5, specialty tier	28% of the cost	29% of the cost	up 1 point
14 lines do not change
Monthly premium	$0	$0	no change
Drug deductible	$400	$400	no change
Part B premium reduction, monthly	none	none	no change
Primary care visit	$0 copay	$0 copay	no change
Specialist visit	$25 copay	$25 copay	no change
Emergency room	$90 copay	$90 copay	no change
Medical deductible, in network	none	none	no change
Hospital stay, in network	$225 a day for days 1–6, then $0 a day for days 7–90	$225 a day for days 1–6, then $0 a day for days 7–90	no change
Skilled nursing facility, in network	not filed	not filed	no change
Ground ambulance, in network	$250 copay	$250 copay	no change
Comprehensive dental, yearly limit	not offered	not offered	no change
Over-the-counter items, yearly	not offered	not offered	no change
Drug tier 1, preferred generic	$0	$0	no change
Drug tier 2, generic	$10	$10	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	$10	$10
Tier 3	Preferred Brand	$45	25% of the cost
Tier 4	Non-Preferred Drug	$95	25% of the cost
Tier 5	Specialty Tier	28% of the cost	29% 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, 167 plans open to everyone are sold for 2027, this one included. Against the others, 6 plans have a lower out-of-pocket limit, 5 the same, 155 a higher one. On the premium, 86 the same, 80 a higher one.

Out-of-pocket limits of the 167 plans open to everyone

$0 to under $2,0000 plans

$2,000 to under $4,0001 plan

$4,000 to under $6,000 (this plan)43 plans

$6,000 to under $8,00081 plans

$8,000 to $10,00042 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 12 counties: $0 a month and $4,500.

Pennsylvania

Allegheny Bedford Bucks Delaware Erie Lancaster Lawrence Lebanon Montgomery Philadelphia Washington 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: H3419-006
Legal name of the contract: Perennial Advantage of Colorado, Inc.
Sold as: Perennial Advantage
Parent company: Perennial Consortium, LLC
Plan type: HMO
2026 star rating of the contract: not rated (too little data) overall; health plan not rated, drug plan not rated
Members, September 2026: 34
Plan website, as filed with CMS: www.perennialadvantage.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 Bucks, PAWhere most of its members live; premiums and limits side by side
Every Perennial Advantage plan for 2027Its contracts, counties and plans that end
The other 5 plans of contract H3419Same 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.