Plan year 2027 · Medicare AdvantageCMS files of Sept. 22 and Oct. 1, 2026
Wellcare Carolina Complete Dual Reserve, 2027
H4073Contract003Plan
HMO-POS D-SNP · special needs plan, dual-eligible · 71 counties in North Carolina
Run by Wellcare Health Insurance of North Carolina, Inc. (contract H4073), sold as Wellcare, owned by Centene Corporation
Wellcare Carolina Complete Dual Reserve (H4073-003) costs $13.30 a month in 2027, down $14.20 from 2026, with an in-network out-of-pocket limit of $9,250. In 2026 it was called Wellcare Dual Reserve.
What changes from 2026 to 2027?
| What you pay or get | 2026 | 2027 | Change |
|---|---|---|---|
| Plan name | Wellcare Dual Reserve | Wellcare Carolina Complete Dual Reserve | renamed |
| Monthly premium | $27.50 | $13.30 | ▼down $14.20 |
| Drug deductible | $615 | $700 | ▲up $85 |
| Specialist visit | $15 copay | $20 copay | ▲up $5 |
| Hospital stay, in network | $300 a day for days 1–5, then $0 a day for days 6–90 | $325 a day for days 1–5, then $0 a day for days 6–90 | ▲up $125for a 5-day stay |
| Skilled nursing facility, in network | $0 a day for days 1–20, then $218 a day for days 21–70, then $0 a day for days 71–100 | $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 | $1,000 a year | ▼down $1,000 |
| Eyewear, yearly limit | $400 a year | $300 a year | ▼down $100 |
| Hearing aids, yearly limit for both ears | $1,500 a year | $1,000 a year | ▼down $500 |
| Over-the-counter items, yearly | not offered | $192 a year | ▲added |
| Drug tier 1, generic | $19 | $15 | ▼down $4 |
| Drug tier 2, preferred brand | $20 | 25% of the cost | changed |
| Drug tier 3, non-preferred drug | 25% of the cost | 30% of the cost | ▲up 5 points |
| Drug tier 4, injectable drugs | $100 | 25% of the cost | changed |
| 9 lines do not change | |||
| In-network out-of-pocket limit | $9,250 | $9,250 | 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 |
| Medical deductible, in network | none | none | no change |
| Ground ambulance, in network | $350 copay | $350 copay | no change |
| Counties served | 71 | 71 | 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?
| Tier | What the tier holds | 2026, standard pharmacy | 2027, standard pharmacy | 2027, preferred pharmacy |
|---|---|---|---|---|
| Tier 1 | Generic | $19 | $15 | $0 |
| Tier 2 | Preferred Brand | $20 | 25% of the cost | 25% of the cost |
| Tier 3 | Non-Preferred Drug | 25% of the cost | 30% of the cost | 29% of the cost |
| Tier 4 | Injectable Drugs | $100 | 25% of the cost | 25% 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, 26 dual-eligible special needs plans are sold for 2027, this one included. Against the others, 3 plans have a lower out-of-pocket limit, 22 a higher one. On the premium, 18 plans have a lower premium, 6 the same, 1 a higher one.
Out-of-pocket limits of the 26 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?
The premium and the out-of-pocket limit are the same in all 71 counties: $13.30 a month and $9,250.
North Carolina
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
- H4073-003
- Legal name of the contract
- Wellcare Health Insurance of North Carolina, Inc.
- Sold as
- Wellcare
- Parent company
- Centene Corporation
- Plan type
- HMO-POS D-SNP
- 2026 star rating of the contract
- 3.5 of 5 overall; health plan 3.5 of 5, drug plan 3 of 5
- Members, September 2026
- 638
- 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 Cumberland, NCWhere most of its members live; premiums and limits side by side
- Every Wellcare plan for 2027Its contracts, counties and plans that end
- The other 2 plans of contract H4073Same 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.