Plan year 2027 · Medicare AdvantageCMS files of Sept. 22 and Oct. 1, 2026
UHC Complete Care WV-7, 2027
H4604Contract037Plan
HMO-POS C-SNP · special needs plan, chronic or disabling condition · 17 counties in West Virginia
Run by UnitedHealthcare of the Rockies, Inc. (contract H4604), sold as UnitedHealthcare, owned by UnitedHealth Group, Inc.
UHC Complete Care WV-7 (H4604-037) costs $0 a month in 2027, with an in-network out-of-pocket limit of $7,150. It is a new plan for 2027.
What changes from 2026 to 2027?
| What you pay or get | 2026 | 2027 | Change |
|---|---|---|---|
| Monthly premium | not offered | $0 | new for 2027 |
| In-network out-of-pocket limit | not filed | $7,150 | new for 2027 |
| Drug deductible | not filed | $685 | new for 2027 |
| Primary care visit | not offered | $0 copay | changed |
| Specialist visit | not offered | $0 copay | changed |
| Emergency room | not offered | $130 copay | changed |
| Hospital stay, in network | not offered | $455 a day for days 1–6, then $0 a day for days 7–90 | changed |
| Skilled nursing facility, in network | not offered | $0 a day for days 1–20, then $221 a day for days 21–100 | changed |
| Ground ambulance, in network | not offered | $400 copay | changed |
| Eyewear, yearly limit | not offered | $100 a year | ▲added |
| Hearing aids, yearly limit for both ears | not offered | $1,000 a year | ▲added |
| 5 lines do not change | |||
| Part B premium reduction, monthly | none | none | no change |
| Medical deductible, in network | none | none | no change |
| Comprehensive dental, yearly limit | not offered | not offered | no change |
| Over-the-counter items, yearly | not offered | not offered | no change |
| Counties served | not offered | 17 | new for 2027 |
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 | not offered | $0 |
| Tier 2 | Generic | not offered | $4 |
| Tier 3 | Preferred Brand | not offered | 22% of the cost |
| Tier 4 | Non-Preferred Drug | not offered | 30% of the cost |
| Tier 5 | Specialty Tier | not offered | 26% 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.
Where is it sold, and what does it cost there?
The premium and the out-of-pocket limit are the same in all 17 counties: $0 a month and $7,150.
West Virginia
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
- H4604-037
- Legal name of the contract
- UnitedHealthcare of the Rockies, Inc.
- Sold as
- UnitedHealthcare
- Parent company
- UnitedHealth Group, Inc.
- Plan type
- HMO-POS C-SNP
- 2026 star rating of the contract
- 4 of 5 overall; health plan 4 of 5, drug plan 3.5 of 5
- Plan website, as filed with CMS
- UHC.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 Kanawha, WVWhere most of its members live; premiums and limits side by side
- Every UnitedHealthcare plan for 2027Its contracts, counties and plans that end
- The other 20 plans of contract H4604Same 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.