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

AmeriHealth Caritas VIP Care, 2027

H6341Contract001Plan

HMO D-SNP · special needs plan, dual-eligible · 2 counties in Michigan

Run by Amerihealth Michigan, Inc. (contract H6341), sold as AmeriHealth Caritas VIP Care, owned by Independence Health Group, Inc.

Renews for 2027

2026 star rating, contract H6341: not rated (too new)

AmeriHealth Caritas VIP Care (H6341-001) 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).

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	$8.80	$0	down $8.80
In-network out-of-pocket limit	$9,250	$9,850	up $600
Drug deductible	$615	$350	down $265
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
Comprehensive dental, yearly limit	$5,000 a year	$2,500 a year	down $2,500
Eyewear, yearly limit	$520 a year	$300 a year	down $220
Hearing aids, yearly limit for both ears	$833.33 a year	not offered	dropped
Over-the-counter items, yearly	$320 a year	not offered	dropped
Drug tier 1, preferred generic	25% of the cost	$0	changed
Drug tier 2, generic	25% of the cost	$4	changed
Drug tier 5, specialty tier	25% of the cost	29% of the cost	up 4 points
10 lines do not change
Part B premium reduction, monthly	none	none	no change
Primary care visit	0% of the cost	0% of the cost	no change
Specialist visit	0% of the cost	0% 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	$900 a day for days 1–2, then $0 a day for days 3–90	$900 a day for days 1–2, then $0 a day for days 3–90	no change
Ground ambulance, in network	30% of the cost	30% of the cost	no change
Counties served	2	2	no change
Drug tier 3, preferred brand	25% of the cost	25% of the cost	no change
Drug tier 4, 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	25% of the cost	$0
Tier 2	Generic	25% of the cost	$4
Tier 3	Preferred Brand	25% of the cost	25% of the cost
Tier 4	Non-Preferred Drug	25% of the cost	25% of the cost
Tier 5	Specialty Tier	25% of the cost	29% 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, 8 dual-eligible special needs plans are sold for 2027, this one included. Against the others, 7 the same. On the premium, 5 the same, 2 a higher one.

Out-of-pocket limits of the 8 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 $8,0000 plans

$8,000 to $10,000 (this plan)8 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 2 counties: $0 a month and $9,850.

Michigan

Macomb Wayne

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: H6341-001
Legal name of the contract: Amerihealth Michigan, Inc.
Sold as: AmeriHealth Caritas VIP Care
Parent company: Independence Health Group, Inc.
Plan type: HMO D-SNP
2026 star rating of the contract: not rated (too new) overall; health plan not rated, drug plan not rated
Members, September 2026: 1,801
Plan website, as filed with CMS: www.amerihealthcaritasvipcare.com/mi

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 Wayne, MIWhere most of its members live; premiums and limits side by side
Every AmeriHealth Caritas VIP Care plan for 2027Its contracts, counties and plans that end
The other 1 plan of contract H6341Same 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.