Plan year 2027 · Medicare AdvantageCMS files of Sept. 22 and Oct. 1, 2026
Compass, 2027
H5211Contract003Plan
HMO · 33 counties in Wisconsin
Run by Security Health Plan of Wisconsin, Inc. (contract H5211), sold as Security Health Plan of Wisconsin, Inc., owned by Sanford Health
Compass (H5211-003) costs $0 a month in 2027, the same as in 2026, with an in-network out-of-pocket limit of $5,000 ($3,400 in 2026). It leaves 21 counties it served in 2026, where 890 of its members lived; they choose another plan for 2027 (the counties are listed below). It takes in the members of H5211-001.
What changes from 2026 to 2027?
| What you pay or get | 2026 | 2027 | Change |
|---|---|---|---|
| In-network out-of-pocket limit | $3,400 | $5,000 | ▲up $1,600 |
| Emergency room | $150 copay | $130 copay | ▼down $20 |
| Hospital stay, in network | $300 a day for days 1–5, then $0 a day for days 6–90 | $400 a day for days 1–4, then $0 a day for days 5–90 | ▲up $100for a 5-day stay |
| Skilled nursing facility, in network | $0 a day for days 1–6, then $20 a day for days 7–45, then $0 a day for days 46–100 | $0 a day for days 1–20, then $221 a day for days 21–100 | changed |
| Ground ambulance, in network | $225 copay | $275 copay | ▲up $50 |
| Over-the-counter items, yearly | $120 a year | $160 a year | ▲up $40 |
| Counties served | 54 | 33 | ▼down 21 |
| 8 lines do not change | |||
| Monthly premium | $0 | $0 | no change |
| Part B premium reduction, monthly | none | none | no change |
| Primary care visit | $0 copay | $0 copay | no change |
| Specialist visit | $50 copay | $50 copay | no change |
| Medical deductible, in network | none | none | no change |
| Comprehensive dental, yearly limit | not offered | not offered | no change |
| Eyewear, yearly limit | $175 a year | $175 a year | no change |
| Hearing aids, yearly limit for both ears | not offered | not offered | 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.
How does it compare with plans sold where it is?
In the counties it serves, 59 plans open to everyone are sold for 2027, this one included. Against the others, 18 plans have a lower out-of-pocket limit, 2 the same, 36 a higher one. On the premium, 28 the same, 30 a higher one.
Out-of-pocket limits of the 59 plans open to everyone
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?
It stops serving 21 counties it served in 2026 (listed in the next section).
The premium and the out-of-pocket limit are the same in all 33 counties: $0 a month and $5,000.
Wisconsin
Source: CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision).
What if you live in a county it leaves?
Its 2026 members in the 21 counties listed below cannot stay in it for 2027; each county page lists the 2027 plans sold there.
- Your coverage
- This plan ends for you on December 31, 2026, because it is no longer sold where you live.
- October 15 to December 7, 2026
- Open enrollment: join another Medicare Advantage plan, or Original Medicare with a drug plan. Coverage starts January 1, 2027.
- December 8, 2026 to the end of February 2027
- A special enrollment period because the plan is leaving: you can still join a plan, but coverage starts the first day of the month after you join, so choose by December 31 to have no gap.
- If you do nothing
- You are enrolled in Original Medicare when the plan ends, without a drug plan unless you join one (with Extra Help or full Medicaid, Medicare enrolls you in one).
- If you choose Original Medicare
- You have a guaranteed right to buy Medigap Plan A, B, C, D, F, G, K or L sold in your state by any insurance company; if you were new to Medicare on or after January 1, 2020, Plans D and G take the place of C and F. Apply from 60 days before to 63 days after the plan ends; the policy starts once your Medicare Advantage coverage ends. Other Medigap plans are not covered by this right.
| County | Members, Sept. 2026 |
|---|---|
| Bayfield, WI | 218 |
| La Crosse, WI | 201 |
| Douglas, WI | 114 |
| Pepin, WI | 100 |
| Dane, WI | 58 |
| Pierce, WI | 58 |
| Sauk, WI | 37 |
| Vernon, WI | 35 |
| Crawford, WI | 24 |
| Richland, WI | 19 |
| Brown, WI | 14 |
| Columbia, WI | 12 |
| Door, WI | fewer than 11 |
| Green Lake, WI | fewer than 11 |
| Iowa, WI | fewer than 11 |
| Kewaunee, WI | fewer than 11 |
| Marquette, WI | fewer than 11 |
| Oconto, WI | fewer than 11 |
| Outagamie, WI | fewer than 11 |
| Waukesha, WI | fewer than 11 |
| Winnebago, WI | fewer than 11 |
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); Medicare.gov, “Special enrollment periods” and “When can I buy Medigap?” (read Oct. 7, 2026).
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 16,105 members. In 2027 it costs $0 a month with a $5,000 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 |
|---|---|---|---|---|---|---|
| SpiritH5211-001 | 1,814 | 1,674 | $89 | ▼down $89 | $1,500 | ▲up $3,500 |
Only the members of Spirit (H5211-001) who live in the 33 counties where this plan is sold move into it (1,674 of its 1,814 members); in its other 21 counties the plan ends and members choose a new one. What happens where.
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
- H5211-003
- Legal name of the contract
- Security Health Plan of Wisconsin, Inc.
- Sold as
- Security Health Plan of Wisconsin, Inc.
- Parent company
- Sanford Health
- Plan type
- HMO
- 2026 star rating of the contract
- 4.5 of 5 overall; health plan 4 of 5, drug plan 4.5 of 5
- Members, September 2026
- 16,105
- Plan website, as filed with CMS
- www.securityhealth.org/medicareadvantage
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 Marathon, WIWhere most of its members live; premiums and limits side by side
- Every Security Health Plan of Wisconsin, Inc. plan for 2027Its contracts, counties and plans that end
- The other 4 plans of contract H5211Same 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.