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

HealthSpring TotalCare Plus, 2027

H9725Contract013Plan

HMO D-SNP · special needs plan, dual-eligible · 24 counties in North Carolina

Run by Bravo Health Pennsylvania, Inc. (contract H9725), sold as HealthSpring, owned by Health Care Service Corporation

Renews in fewer counties

2026 star rating, contract H9725: 4 of 5

HealthSpring TotalCare Plus (H9725-013) costs $13.30 a month in 2027, down $14.90 from 2026, with an in-network out-of-pocket limit of $9,850 ($8,200 in 2026). It leaves 13 counties it served in 2026; they choose another plan for 2027 (the counties are listed below).

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	$28.20	$13.30	down $14.90
In-network out-of-pocket limit	$8,200	$9,850	up $1,650
Drug deductible	$615	$700	up $85
Primary care visit	20% of the cost	$0 copay	changed
Eyewear, yearly limit	$350 a year	$400 a year	up $50
Over-the-counter items, yearly	$820 a year	$860 a year	up $40
Counties served	37	24	down 13
Drug tier 3, preferred brand	23% of the cost	19% of the cost	down 4 points
13 lines do not change
Part B premium reduction, monthly	none	none	no change
Specialist visit	20% of the cost	20% 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	not filed	not filed	no change
Skilled nursing facility, in network	not filed	not filed	no change
Ground ambulance, in network	20% of the cost	20% of the cost	no change
Comprehensive dental, yearly limit	not offered	not offered	no change
Hearing aids, yearly limit for both ears	not offered	not offered	no change
Drug tier 1, preferred generic	$19	$19	no change
Drug tier 2, generic	$20	$20	no change
Drug tier 4, non-preferred drug	25% of the cost	25% of the cost	no change
Drug tier 5, specialty tier	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. 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	$19	$19	$0
Tier 2	Generic	$20	$20	$20
Tier 3	Preferred Brand	23% of the cost	19% of the cost	19% of the cost
Tier 4	Non-Preferred Drug	25% of the cost	25% of the cost	25% of the cost
Tier 5	Specialty Tier	25% of the cost	25% of the cost	25% 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, 25 dual-eligible special needs plans are sold for 2027, this one included. Against the others, 4 plans have a lower out-of-pocket limit, 20 the same. On the premium, 17 plans have a lower premium, 6 the same, 1 a higher one.

Out-of-pocket limits of the 25 dual-eligible special needs plans

$0 to under $2,0000 plans

$2,000 to under $4,0000 plans

$4,000 to under $6,0001 plan

$6,000 to under $8,0002 plans

$8,000 to $10,000 (this plan)22 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?

It stops serving 13 counties it served in 2026 (listed in the next section).

The premium and the out-of-pocket limit are the same in all 24 counties: $13.30 a month and $9,850.

North Carolina

Alamance Alexander Alleghany Anson Cabarrus Catawba Cleveland Davidson Davie Durham Forsyth Gaston Guilford Iredell Lincoln Mecklenburg Orange Randolph Rockingham Rowan Stokes Union Wilkes Yadkin

Source: CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision).

What if you live in a county it leaves?

Its 2026 members in the 13 counties listed below cannot stay in it for 2027; each county page lists the 2027 plans sold there.

Your coverage: This plan ends for you on December 31, 2026, because it is no longer sold where you live.
October 15 to December 7, 2026: Open enrollment: join another Medicare Advantage plan, or Original Medicare with a drug plan. Coverage starts January 1, 2027.
December 8, 2026 to the end of February 2027: A special enrollment period because the plan is leaving: you can still join a plan, but coverage starts the first day of the month after you join, so choose by December 31 to have no gap.
If you do nothing: You are enrolled in Original Medicare when the plan ends, and because you have Medicaid, Medicare enrolls you in a drug plan.
If you choose Original Medicare: You have a guaranteed right to buy Medigap Plan A, B, C, D, F, G, K or L sold in your state by any insurance company; if you were new to Medicare on or after January 1, 2020, Plans D and G take the place of C and F. Apply from 60 days before to 63 days after the plan ends; the policy starts once your Medicare Advantage coverage ends. Other Medigap plans are not covered by this right.
If you have Medicaid or Extra Help: You can switch to a different drug plan, or leave a Medicare Advantage plan for Original Medicare with a drug plan, once a calendar month; the change starts the first day of the next month.

The 13 counties it leaves, most members first
County	Members, Sept. 2026
Avery, NC	fewer than 11
Buncombe, NC	fewer than 11
Burke, NC	fewer than 11
Chatham, NC	fewer than 11
Henderson, NC	fewer than 11
Johnston, NC	fewer than 11
Madison, NC	fewer than 11
McDowell, NC	fewer than 11
Mitchell, NC	fewer than 11
Polk, NC	fewer than 11
Transylvania, NC	fewer than 11
Wake, NC	fewer than 11
Yancey, NC	fewer than 11

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); Medicare.gov, “Special enrollment periods” and “When can I buy Medigap?” (read Oct. 7, 2026).

Who runs this plan?

Plan ID: H9725-013
Legal name of the contract: Bravo Health Pennsylvania, Inc.
Sold as: HealthSpring
Parent company: Health Care Service Corporation
Plan type: HMO D-SNP
2026 star rating of the contract: 4 of 5 overall; health plan 4 of 5, drug plan 4 of 5
Members, September 2026: 266
Plan website, as filed with CMS: HealthSpringMedicare.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 Mecklenburg, NCWhere most of its members live; premiums and limits side by side
Every HealthSpring plan for 2027Its contracts, counties and plans that end
The other 7 plans of contract H9725Same 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.