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

First Choice VIP Care, 2027

H4739Contract001Plan

HMO D-SNP · special needs plan, dual-eligible · 46 counties in South Carolina

Run by Select Health of South Carolina, Inc. (contract H4739), sold as First Choice VIP Care (HMO D-SNP), owned by Independence Health Group, Inc.

Renews for 2027

2026 star rating, contract H4739: not rated (too little data)

First Choice VIP Care (H4739-001) costs $7.30 a month in 2027, down $28.40 from 2026, with an in-network out-of-pocket limit of $9,850 ($9,250 in 2026).

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
Monthly premium	$35.70	$7.30	down $28.40
In-network out-of-pocket limit	$9,250	$9,850	up $600
Drug deductible	$615	$700	up $85
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
Comprehensive dental, yearly limit	$3,000 a year	$2,000 a year	down $1,000
Eyewear, yearly limit	$355 a year	$300 a year	down $55
Hearing aids, yearly limit for both ears	$833.33 a year	not offered	dropped
Over-the-counter items, yearly	$424 a year	not offered	dropped
Drug tier 1, preferred generic	25% of the cost	$0	changed
Drug tier 2, generic	25% of the cost	$10	changed
11 lines do not change
Part B premium reduction, monthly	none	none	no change
Primary care visit	0% of the cost	0% of the cost	no change
Specialist visit	0% of the cost	0% of the cost	no change
Emergency room	$115 copay	$115 copay	no change
Medical deductible, in network	none	none	no change
Hospital stay, in network	$750 a day for days 1–2, then $0 a day for days 3–90	$750 a day for days 1–2, then $0 a day for days 3–90	no change
Ground ambulance, in network	30% of the cost	30% of the cost	no change
Counties served	46	46	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
Drug tier 5, specialty tier	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?

Your share for a 30-day supply at a retail pharmacy, as filed with CMS; tiers whose share changes are marked
Tier	What the tier holds	2026	2027
Tier 1	Preferred Generic	25% of the cost	$0
Tier 2	Generic	25% of the cost	$10
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	25% 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, 10 dual-eligible special needs plans are sold for 2027, this one included. Against the others, 1 plan has a lower out-of-pocket limit, 8 the same. On the premium, 7 plans have a lower premium, 2 the same.

Out-of-pocket limits of the 10 dual-eligible special needs plans

$0 to under $2,0000 plans

$2,000 to under $4,0000 plans

$4,000 to under $6,0000 plans

$6,000 to under $8,0001 plan

$8,000 to $10,000 (this plan)9 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 46 counties: $7.30 a month and $9,850.

South Carolina

Abbeville Aiken Allendale Anderson Bamberg Barnwell Beaufort Berkeley Calhoun Charleston Cherokee Chester Chesterfield Clarendon Colleton Darlington Dillon Dorchester Edgefield Fairfield Florence Georgetown Greenville Greenwood Hampton Horry Jasper Kershaw Lancaster Laurens Lee Lexington Marion Marlboro McCormick Newberry Oconee Orangeburg Pickens Richland Saluda Spartanburg Sumter Union Williamsburg York

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: H4739-001
Legal name of the contract: Select Health of South Carolina, Inc.
Sold as: First Choice VIP Care (HMO D-SNP)
Parent company: Independence Health Group, Inc.
Plan type: HMO D-SNP
2026 star rating of the contract: not rated (too little data) overall; health plan not rated, drug plan 3 of 5
Members, September 2026: 2,583
Plan website, as filed with CMS: www.firstchoicevipcare.com

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 Spartanburg, SCWhere most of its members live; premiums and limits side by side
Every First Choice VIP Care (HMO D-SNP) plan for 2027Its contracts, counties and plans that end
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.