Plan year 2027 · Medicare AdvantageCMS files of Sept. 22 and Oct. 1, 2026
Wellcare Meridian Health Dual Liberty, 2027
H7435Contract002Plan
HMO D-SNP · special needs plan, dual-eligible · 51 counties in Michigan
Run by Meridian Health Plan of Michigan, Inc. (contract H7435), sold as Wellcare, owned by Centene Corporation
Wellcare Meridian Health Dual Liberty (H7435-002) costs $0 a month in 2027, with an in-network out-of-pocket limit of $9,850. It is a new plan for 2027. It takes in the members of H5475-001.
What changes from 2026 to 2027?
| What you pay or get | 2026 | 2027 | Change |
|---|---|---|---|
| Monthly premium | not offered | $0 | new for 2027 |
| In-network out-of-pocket limit | not filed | $9,850 | new for 2027 |
| Drug deductible | not filed | $700 | new for 2027 |
| Primary care visit | not offered | 20% of the cost | changed |
| Specialist visit | not offered | 20% of the cost | changed |
| Emergency room | not offered | $115 copay | changed |
| Hospital stay, in network | not offered | $2,005 a stay | changed |
| Skilled nursing facility, in network | not offered | $0 a day for days 1–20, then $221 a day for days 21–70, then $0 a day for days 71–100 | changed |
| Ground ambulance, in network | not offered | 20% of the cost | changed |
| Comprehensive dental, yearly limit | not offered | $5,000 a year | ▲added |
| Over-the-counter items, yearly | not offered | $2,220 a year | ▲added |
| 5 lines do not change | |||
| Part B premium reduction, monthly | none | none | no change |
| Medical deductible, in network | none | none | no change |
| Eyewear, yearly limit | not offered | not offered | no change |
| Hearing aids, yearly limit for both ears | not offered | not offered | no change |
| Counties served | not offered | 51 | new for 2027 |
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?
| Tier | What the tier holds | 2026, standard pharmacy | 2027, standard pharmacy | 2027, preferred pharmacy |
|---|---|---|---|---|
| Tier 1 | Generic | not offered | $15 | $0 |
| Tier 2 | Preferred Brand | not offered | 25% of the cost | 20% of the cost |
| Tier 3 | Non-Preferred Drug | not offered | 46% of the cost | 42% of the cost |
| Tier 4 | Injectable Drugs | not offered | 15% of the cost | 0% of the cost |
| Tier 5 | Specialty Tier | not offered | 25% of the cost | 25% of the cost |
| Tier 6 | Select Care Drugs | not offered | $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, 16 dual-eligible special needs plans are sold for 2027, this one included. Against the others, 1 plan has a lower out-of-pocket limit, 14 the same. On the premium, 9 the same, 6 a higher one.
Out-of-pocket limits of the 16 dual-eligible special needs 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 51 counties: $0 a month and $9,850.
Michigan
Source: CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision).
Which 2026 plans move into it, and what changes for their members?
For 2027 this plan takes in the members of 1 other plan. 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 Dual AccessH5475-001 | 2,495 | 2,347 | $8.80 | ▼down $8.80 | $9,250 | ▲up $600 |
Only the members of Wellcare Dual Access (H5475-001) who live in the 27 counties where this plan is sold move into it (2,347 of its 2,495 members); in its other 1 county 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
- H7435-002
- Legal name of the contract
- Meridian Health Plan of Michigan, Inc.
- Sold as
- Wellcare
- Parent company
- Centene Corporation
- Plan type
- HMO D-SNP
- 2026 star rating of the contract
- not rated (too new) overall; health plan not rated, drug plan not rated
- Plan website, as filed with CMS
- go.wellcare.com/MeridianMI
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 Oakland, MIWhere most of its members live; premiums and limits side by side
- Every Wellcare plan for 2027Its contracts, counties and plans that end
- The other 1 plan of contract H7435Same 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.