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

Wellcare Fidelis Patriot Simple, 2027

H5599Contract010Plan

HMO-POS · 58 counties in New York

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

Takes in 1 plan

2026 star rating, contract H5599: 3 of 5

Wellcare Fidelis Patriot Simple (H5599-010) costs $0 a month in 2027, the same as in 2026, with an in-network out-of-pocket limit of $9,850 ($9,250 in 2026). It leaves 3 counties it served in 2026, where 11 of its members lived; they choose another plan for 2027 (the counties are listed below). It takes in the members of H4868-003.

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
In-network out-of-pocket limit	$9,250	$9,850	up $600
Hospital stay, in network	$300 a day for days 1–5, then $0 a day for days 6–90	$400 a day for days 1–5, then $0 a day for days 6–90	up $500for 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
Comprehensive dental, yearly limit	$3,000 a year	$2,000 a year	down $1,000
Counties served	60	58	down 2
10 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	$20 copay	$20 copay	no change
Emergency room	$115 copay	$115 copay	no change
Medical deductible, in network	none	none	no change
Ground ambulance, in network	$250 copay	$250 copay	no change
Eyewear, yearly limit	$200 a year	$200 a year	no change
Hearing aids, yearly limit for both ears	$750 a year	$750 a year	no change
Over-the-counter items, yearly	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, 134 plans open to everyone are sold for 2027, this one included. Against the others, 67 plans have a lower out-of-pocket limit, 66 the same. On the premium, 55 the same, 78 a higher one.

Out-of-pocket limits of the 134 plans open to everyone

$0 to under $2,0000 plans

$2,000 to under $4,0000 plans

$4,000 to under $6,0001 plan

$6,000 to under $8,00035 plans

$8,000 to $10,000 (this plan)98 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?

It stops serving 3 counties it served in 2026 (listed in the next section).

The premium and the out-of-pocket limit are the same in all 58 counties: $0 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 Herkimer Jefferson Kings Lewis Livingston Madison Monroe Montgomery Nassau New York Niagara Oneida Ontario Orange Orleans Oswego Otsego Putnam Rensselaer 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).

What if you live in a county it leaves?

Its 2026 members in the 3 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.

The 3 counties it leaves, most members first
County	Members, Sept. 2026
Queens, NY	11
Onondaga, NY	fewer than 11
Richmond, NY	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 137 members. In 2027 it costs $0 a month with a $9,850 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
Wellcare Patriot SimpleH4868-003	275	218	$0	no change	$6,700	up $3,150

Only the members of Wellcare Patriot Simple (H4868-003) who live in the 18 counties where this plan is sold move into it (218 of its 275 members); in its other 2 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: H5599-010
Legal name of the contract: New York Quality Healthcare Corporation
Sold as: Wellcare
Parent company: Centene Corporation
Plan type: HMO-POS
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: 137
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 New York, 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.