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

Liberty Medicare Advantage, 2027

H6351Contract004Plan

HMO C-SNP · special needs plan, chronic or disabling condition · 54 counties in North Carolina

Run by Liberty Advantage, LLC (contract H6351), sold as Liberty Medicare Advantage, owned by Liberty Healthcare Insurance

Renews for 2027

2026 star rating, contract H6351: not rated (too little data)

Liberty Medicare Advantage (H6351-004) costs $0 a month in 2027, the same as in 2026, with an in-network out-of-pocket limit of $3,800 ($4,000 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
In-network out-of-pocket limit	$4,000	$3,800	down $200
Emergency room	$100 copay	$150 copay	up $50
Hospital stay, in network	$250 a day for days 1–6, then $0 a day for days 7–90	$375 a day for days 1–6, then $0 a day for days 7–90	up $625for a 5-day stay
Eyewear, yearly limit	$3,000 a year	not offered	dropped
Hearing aids, yearly limit for both ears	$3,000 a year	not offered	dropped
Over-the-counter items, yearly	$960 a year	$600 a year	down $360
Drug tier 3, preferred brand	$35	$40	up $5
15 lines do not change
Monthly premium	$0	$0	no change
Drug deductible	$0	$0	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
Medical deductible, in network	none	none	no change
Skilled nursing facility, in network	not filed	not filed	no change
Ground ambulance, in network	$175 copay	$175 copay	no change
Comprehensive dental, yearly limit	not offered	not offered	no change
Counties served	54	54	no change
Drug tier 1, preferred generic	$0	$0	no change
Drug tier 2, generic	$0	$0	no change
Drug tier 4, non-preferred drug	$95	$95	no change
Drug tier 5, specialty tier	33% of the cost	33% of the cost	no change
Drug tier 6, select diabetic 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
Tier	What the tier holds	2026	2027
Tier 1	Preferred Generic	$0	$0
Tier 2	Generic	$0	$0
Tier 3	Preferred Brand	$35	$40
Tier 4	Non-Preferred Drug	$95	$95
Tier 5	Specialty Tier	33% of the cost	33% of the cost
Tier 6	Select Diabetic Drugs	$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, 21 chronic or disabling condition special needs plans are sold for 2027, this one included. Against the others, 1 plan has a lower out-of-pocket limit, 19 a higher one. On the premium, 19 the same, 1 a higher one.

Out-of-pocket limits of the 21 chronic or disabling condition special needs plans

$0 to under $2,0000 plans

$2,000 to under $4,000 (this plan)2 plans

$4,000 to under $6,0007 plans

$6,000 to under $8,0008 plans

$8,000 to $10,0004 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 54 counties: $0 a month and $3,800.

North Carolina

Alamance Bertie Bladen Brunswick Buncombe Burke Cabarrus Caldwell Catawba Chatham Columbus Cumberland Davidson Davie Durham Forsyth Franklin Granville Greene Guilford Halifax Harnett Haywood Henderson Hyde Johnston Lee Lenoir Martin Mecklenburg Moore New Hanover Orange Pender Person Pitt Polk Randolph Richmond Robeson Rockingham Rowan Sampson Scotland Stokes Union Vance Wake Warren Watauga Wayne Wilkes Wilson Yadkin

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: H6351-004
Legal name of the contract: Liberty Advantage, LLC
Sold as: Liberty Medicare Advantage
Parent company: Liberty Healthcare Insurance
Plan type: HMO C-SNP
2026 star rating of the contract: not rated (too little data) overall; health plan not rated, drug plan 4.5 of 5
Members, September 2026: 1,868
Plan website, as filed with CMS: http://www.LibertyMedicareAdvantage.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 Robeson, NCWhere most of its members live; premiums and limits side by side
Every Liberty Medicare Advantage plan for 2027Its contracts, counties and plans that end
The other 2 plans of contract H6351Same 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.