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

Wellcare Meridian Health Dual Access, 2027

H5475Contract001Plan

HMO-POS D-SNP · special needs plan, dual-eligible · 28 counties in Michigan

Run by Meridian Health Plan of Michigan, Inc. (contract H5475), sold as Wellcare, owned by Centene Corporation

Renews, split in two

2026 star rating, contract H5475: 3 of 5

Wellcare Meridian Health Dual Access (H5475-001) costs $0 a month in 2027, down $8.80 from 2026, with an in-network out-of-pocket limit of $9,850 ($9,250 in 2026). In 2026 it was called Wellcare Dual Access. Some of its 2026 members move to H7435-002 instead (CMS crosswalk).

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
Plan name	Wellcare Dual Access	Wellcare Meridian Health Dual Access	renamed
Monthly premium	$8.80	$0	down $8.80
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 21–70, 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	$4,000 a year	$2,000 a year	down $2,000
Eyewear, yearly limit	$400 a year	$200 a year	down $200
Hearing aids, yearly limit for both ears	$1,500 a year	$750 a year	down $750
Over-the-counter items, yearly	not offered	$1,872 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	$47	44% of the cost	changed
Drug tier 4, injectable drugs	42% of the cost	15% of the cost	down 27 points
10 lines do not change
Part B premium reduction, monthly	none	none	no 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
Hospital stay, in network	$2,200 a stay	$2,200 a stay	no change
Ground ambulance, in network	20% of the cost	20% of the cost	no change
Counties served	28	28	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?

Your share for a 30-day supply at a retail pharmacy, as filed with CMS; tiers whose share changes are marked. The plan charges less at its preferred pharmacies
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	20% of the cost
Tier 3	Non-Preferred Drug	$47	44% of the cost	42% of the cost
Tier 4	Injectable Drugs	42% of the cost	15% of the cost	0% 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, 16 dual-eligible special needs plans are sold for 2027, this one included. Against the others, 1 plan has a lower out-of-pocket limit, 14 the same. On the premium, 9 the same, 6 a higher one.

Out-of-pocket limits of the 16 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)15 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 28 counties: $0 a month and $9,850.

Michigan

Allegan Arenac Bay Genesee Gladwin Gratiot Hillsdale Huron Jackson Kent Lake Lapeer Livingston Mecosta Monroe Montcalm Muskegon Newaygo Oakland Oceana Osceola Ottawa Saginaw Sanilac Shiawassee St. Clair Tuscola Washtenaw

Source: CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision).

Where do its 2026 members go?

The CMS crosswalk moves the members of the 2026 plan into 2 plans for 2027. It names the plans but not which member goes to which; the counties show where each 2027 plan is sold, and the plan's Annual Notice of Change says which one is yours.

2027 plan	Sold in	Members in those counties, Sept. 2026	Premium 2027	Limit 2027
Stays in this plan	28 of its 28 2026 counties, in Michigan	2,424	$0	$9,850
Wellcare Meridian Health Dual LibertyH7435-002	27 of its 28 2026 counties, in Michigan	2,347	$0	$9,850

Where the plans are sold in the same counties, the member counts overlap, so they add up to more than the plan's members.

Source: CMS plan crosswalk from 2026 to 2027 (Oct. 1, 2026); CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision); CMS monthly enrollment by plan and by county, September 2026 (CMS hides counts under 11).

Who runs this plan?

Plan ID: H5475-001
Legal name of the contract: Meridian Health Plan of Michigan, Inc.
Sold as: Wellcare
Parent company: Centene Corporation
Plan type: HMO-POS D-SNP
2026 star rating of the contract: 3 of 5 overall; health plan 3 of 5, drug plan 3 of 5
Members, September 2026: 2,495
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 Oakland, MIWhere most of its members live; premiums and limits side by side
Every Wellcare plan for 2027Its contracts, counties and plans that end
The other 3 plans of contract H5475Same 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.