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

UHC Complete Care VA-23, 2027

H5253Contract197Plan

HMO-POS C-SNP · special needs plan, chronic or disabling condition · 31 counties in Virginia

Run by UnitedHealthcare of Wisconsin, Inc. (contract H5253), sold as UnitedHealthcare, owned by UnitedHealth Group, Inc.

Renews for 2027

2026 star rating, contract H5253: 4 of 5

UHC Complete Care VA-23 (H5253-197) costs $0 a month in 2027, the same as in 2026, with an in-network out-of-pocket limit of $5,900.

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
Drug deductible	$355	$595	up $240
Hospital stay, in network	$385 a day for days 1–6, then $0 a day for days 7–90	$455 a day for days 1–6, then $0 a day for days 7–90	up $350for a 5-day stay
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
Ground ambulance, in network	$275 copay	$300 copay	up $25
Eyewear, yearly limit	$75 a year	$100 a year	up $25
Hearing aids, yearly limit for both ears	not offered	$700 a year	added
Drug tier 2, generic	$14	$5	down $9
Drug tier 3, preferred brand	19% of the cost	22% of the cost	up 3 points
Drug tier 4, non-preferred drug	41% of the cost	30% of the cost	down 11 points
Drug tier 5, specialty tier	29% of the cost	27% of the cost	down 2 points
11 lines do not change
Monthly premium	$0	$0	no change
In-network out-of-pocket limit	$5,900	$5,900	no change
Part B premium reduction, monthly	none	none	no change
Primary care visit	$0 copay	$0 copay	no change
Specialist visit	$0 copay	$0 copay	no change
Emergency room	$130 copay	$130 copay	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	31	31	no change
Drug tier 1, preferred generic	$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?

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	$0	$0
Tier 2	Generic	$14	$5
Tier 3	Preferred Brand	19% of the cost	22% of the cost
Tier 4	Non-Preferred Drug	41% of the cost	30% of the cost
Tier 5	Specialty Tier	29% of the cost	27% 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, 9 chronic or disabling condition special needs plans are sold for 2027, this one included. Against the others, 8 a higher one. On the premium, 6 the same, 2 a higher one.

Out-of-pocket limits of the 9 chronic or disabling condition special needs plans

$0 to under $2,0000 plans

$2,000 to under $4,0000 plans

$4,000 to under $6,000 (this plan)1 plan

$6,000 to under $8,0003 plans

$8,000 to $10,0005 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 31 counties: $0 a month and $5,900.

Virginia

Alleghany Amherst Appomattox Augusta Bedford Botetourt Buena Vista City Campbell Charlotte Covington City Craig Danville City Floyd Franklin Giles Halifax Henry Lexington City Lynchburg City Martinsville City Montgomery Pittsylvania Prince Edward Pulaski Radford City Roanoke Roanoke City Rockbridge Salem City Staunton City Waynesboro City

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: H5253-197
Legal name of the contract: UnitedHealthcare of Wisconsin, 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 4 of 5
Members, September 2026: 4,407
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 Campbell, VAWhere most of its members live; premiums and limits side by side
Every UnitedHealthcare plan for 2027Its contracts, counties and plans that end
The other 125 plans of contract H5253Same 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.