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

Florida Complete Care-Duals VIP, 2027

H9986Contract004Plan

HMO-POS D-SNP · special needs plan, dual-eligible · 22 counties in Florida

Run by Hpmp of Florida, Inc. (contract H9986), sold as Florida Complete Care, owned by Independent Living Systems, LLC

Renews for 2027

2026 star rating, contract H9986: not rated (too little data)

Florida Complete Care-Duals VIP (H9986-004) costs $0 a month in 2027, down $4.80 from 2026, with an in-network out-of-pocket limit of $3,400.

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. The plan files its benefits in parts for different counties, so lines marked ◆ show the most generous part of its area and some counties get less: the plan's Evidence of Coverage gives your county's amounts.
What you pay or get	2026	2027	Change
Monthly premium	$4.80	$0	down $4.80
Drug deductible	$615	$260	down $355
14 lines do not change
In-network out-of-pocket limit	$3,400	$3,400	no 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)	20% of the cost	20% of the cost	no change
Emergency room (best in its area)	20% of the cost	20% of the cost	no change
Medical deductible, in network (best in its area)	none	none	no change
Hospital stay, in network (best in its area)	not filed	not filed	no change
Skilled nursing facility, in network (best in its area)	$0 a stay	$0 a stay	no change
Ground ambulance, in network (best in its area)	20% of the cost	20% of the cost	no change
Comprehensive dental, yearly limit (best in its area)	not offered	not offered	no change
Eyewear, yearly limit (best in its area)	not offered	not offered	no change
Hearing aids, yearly limit for both ears (best in its area)	not offered	not offered	no change
Over-the-counter items, yearly (best in its area)	$1,200 a year	$1,200 a year	no change
Counties served	22	22	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	not offered	$0
Tier 2	Generic	not offered	$0
Tier 3	Preferred Brand	not offered	25% of the cost
Tier 4	Non-Preferred Drug	not offered	25% of the cost
Tier 5	Specialty Tier	not offered	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, 124 dual-eligible special needs plans are sold for 2027, this one included. Against the others, 11 plans have a lower out-of-pocket limit, 21 the same, 91 a higher one. On the premium, 105 the same, 18 a higher one.

Out-of-pocket limits of the 124 dual-eligible special needs plans

$0 to under $2,0009 plans

$2,000 to under $4,000 (this plan)28 plans

$4,000 to under $6,00012 plans

$6,000 to under $8,0002 plans

$8,000 to $10,00073 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 22 counties: $0 a month and $3,400.

Florida

Alachua Brevard Broward Duval Escambia Hillsborough Indian River Lee Marion Martin Miami-Dade Orange Osceola Palm Beach Pasco Pinellas Polk Santa Rosa Sarasota Seminole St. Lucie Volusia

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: H9986-004
Legal name of the contract: Hpmp of Florida, Inc.
Sold as: Florida Complete Care
Parent company: Independent Living Systems, LLC
Plan type: HMO-POS D-SNP
2026 star rating of the contract: not rated (too little data) overall; health plan 2.5 of 5, drug plan 4.5 of 5
Members, September 2026: 112
Plan website, as filed with CMS: www.fc2healthplan.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 Miami-Dade, FLWhere most of its members live; premiums and limits side by side
Every Florida Complete Care plan for 2027Its contracts, counties and plans that end
The other 2 plans of contract H9986Same 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.