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

Optimum Emerald Full, 2027

H5594Contract017Plan

HMO D-SNP · special needs plan, dual-eligible · 1 county in Florida

Run by Optimum Healthcare, Inc. (contract H5594), sold as Optimum HealthCare, Inc., owned by Elevance Health, Inc.

Takes in 1 plan

2026 star rating, contract H5594: 4.5 of 5

Optimum Emerald Full (H5594-017) costs $7.30 a month in 2027, up $7.30 from 2026, with an in-network out-of-pocket limit of $500. It takes in the members of H5427-087. Some of its 2026 members move to H5427-087, H5431-026, H5471-135 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
Monthly premium	$0	$7.30	up $7.30
Drug deductible	$615	$105	down $510
Over-the-counter items, yearly	$1,560 a year	$600 a year	down $960
Counties served	24	1	down 23
Drug tier 4, specialty tier	25% of the cost	32% of the cost	up 7 points
15 lines do not change
In-network out-of-pocket limit	$500	$500	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	$0 copay	$0 copay	no change
Medical deductible, in network	none	none	no change
Hospital stay, in network	$0 a stay	$0 a stay	no change
Skilled nursing facility, in network	$0 a day for days 1–100	$0 a day for days 1–100	no change
Ground ambulance, in network	$0 copay	$0 copay	no change
Comprehensive dental, yearly limit	not offered	not offered	no change
Eyewear, yearly limit	$400 a year	$400 a year	no change
Hearing aids, yearly limit for both ears	$1,000 a year	$1,000 a year	no change
Drug tier 1, preferred generic	$0	$0	no change
Drug tier 2, preferred brand	25% of the cost	25% of the cost	no change
Drug tier 3, non-preferred drug	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	$0	$0
Tier 2	Preferred Brand	25% of the cost	25% of the cost
Tier 3	Non-Preferred Drug	25% of the cost	25% of the cost
Tier 4	Specialty Tier	25% of the cost	32% 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, 15 dual-eligible special needs plans are sold for 2027, this one included. Against the others, 2 the same, 12 a higher one. On the premium, 13 plans have a lower premium, 1 the same.

Out-of-pocket limits of the 15 dual-eligible special needs plans

$0 to under $2,000 (this plan)3 plans

$2,000 to under $4,0002 plans

$4,000 to under $6,0001 plan

$6,000 to under $8,0000 plans

$8,000 to $10,0009 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 1 county: $7.30 a month and $500.

Florida

Collier

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 4 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
Freedom Medi-Medi FullH5427-087	1 of its 24 2026 counties, in Florida	fewer than 11 a county	$0	$500
HealthSun MediSun Full Dual ExtraH5431-026	2 of its 24 2026 counties, in Florida	fewer than 11 a county	$0	$3,450
Simply Integrated PlatinumH5471-135	20 of its 24 2026 counties, in Florida	1,018	$0	$500
Stays in this plan	1 of its 24 2026 counties, in Florida	fewer than 11 a county	$7.30	$500

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).

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 1,078 members. In 2027 it costs $7.30 a month with a $500 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
Freedom Medi-Medi FullH5427-087	1,396	15	$0	up $7.30	$500	no change

Only the members of Freedom Medi-Medi Full (H5427-087) who live in the 1 county where this plan is sold move into it (15 of its 1,396 members); in its other 23 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: H5594-017
Legal name of the contract: Optimum Healthcare, Inc.
Sold as: Optimum HealthCare, Inc.
Parent company: Elevance Health, Inc.
Plan type: HMO D-SNP
2026 star rating of the contract: 4.5 of 5 overall; health plan 4.5 of 5, drug plan 4 of 5
Members, September 2026: 1,078
Plan website, as filed with CMS: www.YourOptimumHealthcare.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 Hillsborough, FLWhere most of its members live; premiums and limits side by side
Every Optimum HealthCare, Inc. plan for 2027Its contracts, counties and plans that end
The other 12 plans of contract H5594Same 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.