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

The Health Plan SecureChoice Reliance, 2027

H8604Contract015Plan

PPO · 55 counties in West Virginia

Run by Thp Insurance Company (contract H8604), sold as The Health Plan, owned by The Health Plan of West Virginia, Inc.

Renews for 2027

2026 star rating, contract H8604: 3.5 of 5

The Health Plan SecureChoice Reliance (H8604-015) costs $67 a month in 2027, up $24 from 2026, with an in-network out-of-pocket limit of $7,000 ($5,300 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	$43	$67	up $24
In-network out-of-pocket limit	$5,300	$7,000	up $1,700
Drug deductible	$150	$300	up $150
Primary care visit	$0 copay	$15 copay	up $15
Specialist visit	$40 copay	$45 copay	up $5
Hospital stay, in network	$475 a stay	$525 a stay	up $50for a 5-day stay
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
Ground ambulance, in network	$200 copay	$275 copay	up $75
Comprehensive dental, yearly limit	$1,500 a year	$1,000 a year	down $500
Over-the-counter items, yearly	$300 a year	not offered	dropped
Drug tier 4, non-preferred drug	40% of the cost	30% of the cost	down 10 points
Drug tier 5, specialty tier	31% of the cost	30% of the cost	down 1 point
9 lines do not change
Part B premium reduction, monthly	none	none	no change
Emergency room	$130 copay	$130 copay	no change
Medical deductible, in network	none	none	no change
Eyewear, yearly limit	$200 a year	$200 a year	no change
Hearing aids, yearly limit for both ears	not offered	not offered	no change
Counties served	55	55	no change
Drug tier 1, preferred generic	$13	$13	no change
Drug tier 2, generic	$20	$20	no change
Drug tier 3, preferred brand	20% of the cost	20% 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	Preferred Generic	$13	$13	$0
Tier 2	Generic	$20	$20	$0
Tier 3	Preferred Brand	20% of the cost	20% of the cost	20% of the cost
Tier 4	Non-Preferred Drug	40% of the cost	30% of the cost	30% of the cost
Tier 5	Specialty Tier	31% of the cost	30% of the cost	30% 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, 42 plans open to everyone are sold for 2027, this one included. Against the others, 8 plans have a lower out-of-pocket limit, 1 the same, 32 a higher one. On the premium, 35 plans have a lower premium, 6 a higher one.

Out-of-pocket limits of the 42 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 $8,000 (this plan)23 plans

$8,000 to $10,00018 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 55 counties: $67 a month and $7,000.

West Virginia

Barbour Berkeley Boone Braxton Brooke Cabell Calhoun Clay Doddridge Fayette Gilmer Grant Greenbrier Hampshire Hancock Hardy Harrison Jackson Jefferson Kanawha Lewis Lincoln Logan Marion Marshall Mason McDowell Mercer Mineral Mingo Monongalia Monroe Morgan Nicholas Ohio Pendleton Pleasants Pocahontas Preston Putnam Raleigh Randolph Ritchie Roane Summers Taylor Tucker Tyler Upshur Wayne Webster Wetzel Wirt Wood Wyoming

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: H8604-015
Legal name of the contract: Thp Insurance Company
Sold as: The Health Plan
Parent company: The Health Plan of West Virginia, Inc.
Plan type: PPO
2026 star rating of the contract: 3.5 of 5 overall; health plan 3.5 of 5, drug plan 3.5 of 5
Members, September 2026: 1,169
Plan website, as filed with CMS: www.healthplan.org/medicare

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 Logan, WVWhere most of its members live; premiums and limits side by side
Every The Health Plan plan for 2027Its contracts, counties and plans that end
The other 1 plan of contract H8604Same 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.