Plan year 2027 · Medicare AdvantageCMS files of Sept. 22 and Oct. 1, 2026
Wellcare Carolina Complete Dual Liberty, 2027
H4073Contract004Plan
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 Liberty (H4073-004) costs $0 a month in 2027, down $36.20 from 2026, with an in-network out-of-pocket limit of $9,850 ($9,250 in 2026). In 2026 it was called Wellcare Dual Liberty. It takes in the members of H4073-002.
What changes from 2026 to 2027?
| What you pay or get | 2026 | 2027 | Change |
|---|---|---|---|
| Plan name | Wellcare Dual Liberty | Wellcare Carolina Complete Dual Liberty | renamed |
| Monthly premium | $36.20 | $0 | ▼down $36.20 |
| In-network out-of-pocket limit | $9,250 | $9,850 | ▲up $600 |
| Drug deductible | $425 | $700 | ▲up $275 |
| Part B premium reduction, monthly | $1 | none | ▼dropped |
| Hospital stay, in network | $2,000 a stay | $1,775 a stay | ▼down $225for 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 | not offered | $1,000 a year | ▲added |
| Over-the-counter items, yearly | not offered | $2,364 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 | 28% of the cost | ▲up 3 points |
| Drug tier 4, injectable drugs | $100 | 25% of the cost | changed |
| 10 lines do not change | |||
| Primary care visit | 20% of the cost | 20% of the cost | no change |
| Specialist visit | 20% of the cost | 20% of the cost | no change |
| Emergency room | $115 copay | $115 copay | no change |
| Medical deductible, in network | none | none | no change |
| Ground ambulance, in network | 20% of the cost | 20% of the cost | no change |
| Eyewear, yearly limit | $400 a year | $400 a year | no change |
| Hearing aids, yearly limit for both ears | $500 a year | $500 a year | 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 | 28% of the cost | 28% 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, 4 plans have a lower out-of-pocket limit, 21 the same. On the premium, 13 the same, 12 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: $0 a month and $9,850.
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).
Which 2026 plans move into it, and what changes for their members?
For 2027 this plan takes in the members of 1 other plan, beside its own 366 members. In 2027 it costs $0 a month with a $9,850 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 |
|---|---|---|---|---|---|---|
| Wellcare Dual AccessH4073-002 | 923 | 703 | $32.20 | ▼down $32.20 | $9,250 | ▲up $600 |
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
- H4073-004
- 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
- 366
- 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 Mecklenburg, 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.