Plan year 2027 · Medicare AdvantageCMS files of Sept. 22 and Oct. 1, 2026
AARP Medicare Advantage from UHC IA-0003, 2027
H8768Contract017Plan
PPO · 57 counties in Illinois, Iowa
Run by Care Improvement Plus South Central Insurance Co. (contract H8768), sold as UnitedHealthcare, owned by UnitedHealth Group, Inc.
AARP Medicare Advantage from UHC IA-0003 (H8768-017) costs $45 to $46 a month in 2027, up $8 from 2026, with an in-network out-of-pocket limit of $7,150 ($5,900 to $6,700 in 2026).
What changes from 2026 to 2027?
| What you pay or get | 2026 | 2027 | Change |
|---|---|---|---|
| Monthly premium | $37 to $38 | $45 to $46 | ▲up $8 |
| In-network out-of-pocket limit, by county | $5,900 to $6,700 | $7,150 | ▲up $450 at the top |
| Drug deductible | $600 | $685 | ▲up $85 |
| Medical deductible, in network (best in its area) | $1,250 | $1,000 | ▼down $250 |
| Hospital stay, in network (best in its area) | $550 a day for days 1–5, then $0 a day for days 6–90 | $685 a day for days 1–4, then $0 a day for days 5–90 | changed |
| Skilled nursing facility, in network (best in its area) | $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 |
| Eyewear, yearly limit (best in its area) | $75 a year | not offered | ▼dropped |
| Hearing aids, yearly limit for both ears (best in its area) | not offered | $700 a year | ▲added |
| Drug tier 2, generic | $10 | $5 | ▼down $5 |
| Drug tier 3, preferred brand | 16% of the cost | 22% of the cost | ▲up 6 points |
| Drug tier 4, non-preferred drug | 42% of the cost | 27% of the cost | ▼down 15 points |
| 10 lines do not change | |||
| Part B premium reduction, monthly (best in its area) | none | none | no change |
| Primary care visit (best in its area) | $0 copay | $0 copay | no change |
| Specialist visit (best in its area) | $0 copay | $0 copay | no change |
| Emergency room (best in its area) | $130 copay | $130 copay | no change |
| Ground ambulance, in network (best in its area) | $150 copay | $150 copay | no change |
| Comprehensive dental, yearly limit (best in its area) | not offered | not offered | no change |
| Over-the-counter items, yearly (best in its area) | not offered | not offered | no change |
| Counties served | 57 | 57 | no change |
| Drug tier 1, preferred generic | $0 | $0 | no change |
| Drug tier 5, specialty tier | 26% of the cost | 26% 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?
| Tier | What the tier holds | 2026 | 2027 |
|---|---|---|---|
| Tier 1 | Preferred Generic | $0 | $0 |
| Tier 2 | Generic | $10 | $5 |
| Tier 3 | Preferred Brand | 16% of the cost | 22% of the cost |
| Tier 4 | Non-Preferred Drug | 42% of the cost | 27% of the cost |
| Tier 5 | Specialty Tier | 26% of the cost | 26% 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, 66 plans open to everyone are sold for 2027, this one included. Against the others, 40 plans have a lower out-of-pocket limit, 7 the same, 11 a higher one. On the premium, 44 plans have a lower premium, 21 a higher one.
Out-of-pocket limits of the 66 plans open to everyone
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?
| Monthly premium | Out-of-pocket limit | Where |
|---|---|---|
| $45 | $7,150 | Benton (IA), Black Hawk (IA), Boone (IA), Buena Vista (IA), Butler (IA), Calhoun (IA), Carroll (IA), Cedar (IA), Cerro Gordo (IA), Clay (IA), Clayton (IA), Clinton (IA), Crawford (IA), Delaware (IA), Des Moines (IA), Dickinson (IA), Dubuque (IA), Emmet (IA), Fayette (IA), Floyd (IA), Franklin (IA), Grundy (IA), Hamilton (IA), Hancock (IA), Hardin (IA), Henry (IA), Humboldt (IA), Iowa (IA), Jackson (IA), Johnson (IA), Jones (IA), Keokuk (IA), Kossuth (IA), Lee (IA), Linn (IA), Louisa (IA), Muscatine (IA), Palo Alto (IA), Pocahontas (IA), Poweshiek (IA), Sac (IA), Scott (IA), Tama (IA), Washington (IA), Webster (IA), Winnebago (IA), Wright (IA), Henry (IL), Mercer (IL), Rock Island (IL) |
| $46 | $7,150 | Dallas (IA), Jasper (IA), Madison (IA), Marshall (IA), Polk (IA), Story (IA), Warren (IA) |
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
- H8768-017
- Legal name of the contract
- Care Improvement Plus South Central Insurance Co.
- Sold as
- UnitedHealthcare
- Parent company
- UnitedHealth Group, 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
- 6,856
- Plan website, as filed with CMS
- AARPMedicarePlans.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 Polk, IAWhere most of its members live; premiums and limits side by side
- Every UnitedHealthcare plan for 2027Its contracts, counties and plans that end
- The other 33 plans of contract H8768Same 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.