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

Wellcare Simple Open, 2027

H3975Contract001Plan

PPO · 120 counties in Kentucky

Run by Wellcare Health Insurance Company of Kentucky, Inc (contract H3975), sold as Wellcare, owned by Centene Corporation

Renews for 2027

2026 star rating, contract H3975: 3 of 5

Wellcare Simple Open (H3975-001) costs $0 a month in 2027, the same as in 2026, with an in-network out-of-pocket limit of $7,500.

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
Drug deductible	$615	$700	up $85
Specialist visit	$40 copay	$45 copay	up $5
Medical deductible, in network	none	$310	added
Hospital stay, in network	$375 a day for days 1–7, then $0 a day for days 8–90	$475 a day for days 1–5, then $0 a day for days 6–90	up $500for a 5-day stay
Skilled nursing facility, in network	$0 a day for days 1–20, then $218 a day for days 21–60, then $0 a day for days 61–100	$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
Comprehensive dental, yearly limit	$2,000 a year	$1,500 a year	down $500
Eyewear, yearly limit	$300 a year	not offered	dropped
Hearing aids, yearly limit for both ears	$750 a year	not offered	dropped
Over-the-counter items, yearly	not offered	$228 a year	added
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	35% of the cost	up 10 points
Drug tier 4, injectable drugs	34% of the cost	15% of the cost	down 19 points
9 lines do not change
Monthly premium	$0	$0	no change
In-network out-of-pocket limit	$7,500	$7,500	no change
Part B premium reduction, monthly	none	none	no change
Primary care visit	$0 copay	$0 copay	no change
Emergency room	$115 copay	$115 copay	no change
Ground ambulance, in network	$350 copay	$350 copay	no change
Counties served	120	120	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	35% of the cost	35% of the cost
Tier 4	Injectable Drugs	34% of the cost	15% of the cost	15% 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, 71 plans open to everyone are sold for 2027, this one included. Against the others, 52 plans have a lower out-of-pocket limit, 18 a higher one. On the premium, 49 the same, 21 a higher one.

Out-of-pocket limits of the 71 plans open to everyone

$0 to under $2,0000 plans

$2,000 to under $4,0001 plan

$4,000 to under $6,00019 plans

$6,000 to under $8,000 (this plan)35 plans

$8,000 to $10,00016 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 120 counties: $0 a month and $7,500.

Kentucky

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: H3975-001
Legal name of the contract: Wellcare Health Insurance Company of Kentucky, Inc
Sold as: Wellcare
Parent company: Centene Corporation
Plan type: PPO
2026 star rating of the contract: 3 of 5 overall; health plan 2.5 of 5, drug plan 3.5 of 5
Members, September 2026: 1,773
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 Jefferson, KYWhere most of its members live; premiums and limits side by side
Every Wellcare plan for 2027Its contracts, counties and plans that end
The other 1 plan of contract H3975Same 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.