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

Wellcare Fidelis Dual Align Unity, 2027

H5599Contract003Plan

HMO D-SNP · special needs plan, dual-eligible · 60 counties in New York

Run by New York Quality Healthcare Corporation (contract H5599), sold as Wellcare, owned by Centene Corporation

Renews for 2027

2026 star rating, contract H5599: 3 of 5

Wellcare Fidelis Dual Align Unity (H5599-003) costs $40.50 a month in 2027, down $18.30 from 2026, with an in-network out-of-pocket limit of $9,850 ($9,250 in 2026). In 2026 it was called Wellcare Fidelis Dual Align.

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 Fidelis Dual Align	Wellcare Fidelis Dual Align Unity	renamed
Monthly premium	$58.80	$40.50	down $18.30
In-network out-of-pocket limit	$9,250	$9,850	up $600
Drug deductible	$615	$700	up $85
Hospital stay, in network	$2,230 a stay	$2,241 a stay	up $11for a 5-day stay
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
Hearing aids, yearly limit for both ears	$500 a year	not offered	dropped
Over-the-counter items, yearly	not offered	$1,980 a year	added
Counties served	59	60	up 1
Drug tier 1, generic	$19	$7	down $12
Drug tier 2, preferred brand	$20	25% of the cost	changed
Drug tier 3, non-preferred drug	$47	33% of the cost	changed
Drug tier 4, injectable drugs	31% of the cost	25% of the cost	down 6 points
Drug tier 6, select care drugs	$0	$5	up $5
9 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
Ground ambulance, in network	20% of the cost	20% of the cost	no change
Comprehensive dental, yearly limit	not offered	not offered	no change
Eyewear, yearly limit	not offered	not offered	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. 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	$7	$2
Tier 2	Preferred Brand	$20	25% of the cost	25% of the cost
Tier 3	Non-Preferred Drug	$47	33% of the cost	32% of the cost
Tier 4	Injectable Drugs	31% of the cost	25% of the cost	25% 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	$5	$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, 42 dual-eligible special needs plans are sold for 2027, this one included. Against the others, 2 plans have a lower out-of-pocket limit, 39 the same. On the premium, 27 plans have a lower premium, 14 the same.

Out-of-pocket limits of the 42 dual-eligible special needs plans

$0 to under $2,0001 plan

$2,000 to under $4,0000 plans

$4,000 to under $6,0000 plans

$6,000 to under $8,0000 plans

$8,000 to $10,000 (this plan)41 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 60 counties: $40.50 a month and $9,850.

New York

Albany Allegany Bronx Broome Cattaraugus Cayuga Chautauqua Chemung Chenango Clinton Columbia Cortland Delaware Dutchess Erie Essex Franklin Fulton Genesee Greene Hamilton Jefferson Kings Lewis Livingston Madison Monroe Montgomery Nassau New York Niagara Oneida Onondaga Ontario Orange Orleans Oswego Otsego Putnam Queens Rensselaer Richmond Rockland Saratoga Schenectady Schoharie Schuyler Seneca St. Lawrence Steuben Suffolk Sullivan Tioga Ulster Warren Washington Wayne Westchester Wyoming Yates

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: H5599-003
Legal name of the contract: New York Quality Healthcare Corporation
Sold as: Wellcare
Parent company: Centene Corporation
Plan type: HMO D-SNP
2026 star rating of the contract: 3 of 5 overall; health plan 2.5 of 5, drug plan 3.5 of 5
Members, September 2026: 5,929
Plan website, as filed with CMS: go.wellcare.com/FidelisNY

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 Kings, NYWhere most of its members live; premiums and limits side by side
Every Wellcare plan for 2027Its contracts, counties and plans that end
The other 7 plans of contract H5599Same 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.