Plan year 2027 · Medicare AdvantageCMS files of Sept. 22 and Oct. 1, 2026
UHC Dual Advantage WI-V1, 2027
H3794Contract004Plan
HMO-POS D-SNP · special needs plan, dual-eligible · 70 counties in Wisconsin
Run by UnitedHealthcare of Wisconsin, Inc. (contract H3794), sold as UnitedHealthcare, owned by UnitedHealth Group, Inc.
UHC Dual Advantage WI-V1 (H3794-004) costs $0 a month in 2027, down $17.30 from 2026, with an in-network out-of-pocket limit of $5,400 ($4,900 in 2026). In 2026 it was called UHC Dual Complete WI-V001. It takes in the members of H3794-002, H3794-006, H5253-024. Some of its 2026 members move to H3794-002, H3794-011 instead (CMS crosswalk).
What changes from 2026 to 2027?
| What you pay or get | 2026 | 2027 | Change |
|---|---|---|---|
| Plan name | UHC Dual Complete WI-V001 | UHC Dual Advantage WI-V1 | renamed |
| Monthly premium | $17.30 | $0 | ▼down $17.30 |
| In-network out-of-pocket limit | $4,900 | $5,400 | ▲up $500 |
| Drug deductible | $615 | $145 | ▼down $470 |
| Part B premium reduction, monthly | $0.30 | none | ▼dropped |
| Hospital stay, in network | $455 a day for days 1–6, then $0 a day for days 7–90 | $550 a day for days 1–5, then $0 a day for days 6–90 | ▲up $475for a 5-day stay |
| 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 |
| Ground ambulance, in network | $275 copay | $220 copay | ▼down $55 |
| Hearing aids, yearly limit for both ears | not offered | $700 a year | ▲added |
| Counties served | 72 | 70 | ▼down 2 |
| Drug tier 2, generic | 25% of the cost | $0 | changed |
| Drug tier 5, specialty tier | 25% of the cost | 31% of the cost | ▲up 6 points |
| 10 lines do not change | |||
| Primary care visit | $0 copay | $0 copay | no change |
| Specialist visit | $0 copay | $0 copay | no change |
| Emergency room | $130 copay | $130 copay | no change |
| Medical deductible, in network | none | none | no change |
| Comprehensive dental, yearly limit | not offered | not offered | no change |
| Eyewear, yearly limit | $200 a year | $200 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?
| 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 | 31% 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, 17 dual-eligible special needs plans are sold for 2027, this one included. Against the others, 1 plan has a lower out-of-pocket limit, 15 a higher one. On the premium, 11 the same, 5 a higher one.
Out-of-pocket limits of the 17 dual-eligible special needs 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 2 counties it served in 2026 (listed in the next section).
The premium and the out-of-pocket limit are the same in all 70 counties: $0 a month and $5,400.
Wisconsin
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 3 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 WI-Q1H3794-002 | 70 of its 72 2026 counties, in Wisconsin | 798 | $0 | $9,850 |
| Stays in this plan | 70 of its 72 2026 counties, in Wisconsin | 798 | $0 | $5,400 |
| UHC Dual Complete WI-S1H3794-011 | 70 of its 72 2026 counties, in Wisconsin | 798 | $0 | $9,850 |
In 2 counties it served in 2026 (Eau Claire, WI, La Crosse, WI) none of these plans is sold; members there choose a new plan by December 31 to have no gap (they can still join until the end of February 2027, with coverage from the first of the next month).
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 3 other plans, beside its own 1,007 members. In 2027 it costs $0 a month with a $5,400 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 WI-D002H3794-002 | 24,492 | 24,011 | $18.90 | ▼down $18.90 | $9,250 | ▼down $3,850 |
| UHC Dual Complete WI-D3H3794-006 | 21,698 | 21,634 | $21.10 | ▼down $21.10 | $9,250 | ▼down $3,850 |
| UHC Dual Complete WI-D003H5253-024 | 2,812 | 2,773 | $7.50 | ▼down $7.50 | $9,250 | ▼down $3,850 |
Only the members of UHC Dual Complete WI-D002 (H3794-002) who live in the 70 counties where this plan is sold move into it (24,011 of its 24,492 members); in its other 2 counties the plan ends and members choose a new one. What happens where.
Only the members of UHC Dual Complete WI-D003 (H5253-024) who live in the 19 counties where this plan is sold move into it (2,773 of its 2,812 members); in its other 1 county the plan ends and members choose a new one. What happens where.
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
- H3794-004
- Legal name of the contract
- UnitedHealthcare of Wisconsin, Inc.
- Sold as
- UnitedHealthcare
- Parent company
- UnitedHealth Group, Inc.
- Plan type
- HMO-POS D-SNP
- 2026 star rating of the contract
- 4 of 5 overall; health plan 3.5 of 5, drug plan 4 of 5
- Members, September 2026
- 1,007
- 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 Milwaukee, WIWhere 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 H3794Same 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.