MVP Medicare Preferred Gold with Part D (HMO-POS) Medicare Advantage Plan H3305-015 • 2027
- Monthly Premium
- $277.00Plus Part B premium.
- Medical Deductible
- $0.00
- Maximum Out-of-Pocket
- $6800.00In-network
- Part B Giveback
- Not offered
- Prescription Coverage
- Enhanced, $400.00 deductible
- Additional Benefits
- Dental, Vision, Hearing
- Service Area
- See List
- Total Enrollment
- 4,444 beneficiaries
MVP Medicare Preferred Gold with Part D (HMO-POS) Introduction
This Medicare Advantage HMO-POS plan, MVP Medicare Preferred Gold with Part D, is offered by MVP HEALTH CARE and uses a Health Maintenance Organization with a Point of Service (HMO-POS) provider network. It comes with prescription drug coverage. For the 2027 plan year, the monthly premium is $277.00, the medical deductible is $0.00, and the in-network maximum out-of-pocket is $6800.00. The plan is identified by CMS Plan ID H3305-015. The 2027 Part D prescription drug deductible is $400.00.
Plan Benefits
MVP Medicare Preferred Gold with Part D includes cost-sharing, which refers to out-of-pocket expenses for covered healthcare services. The tables below outline the most common in-network out-of-pocket costs associated with plan H3305-015.
Compare 2027 plan benefits with 2026.
Office Visits
| Covered Service | 2027 | 2026 |
|---|---|---|
| Primary care | In-network: $0 copay Out-of-network: 30% coinsurance |
In-network: $0 copay Out-of-network: 30% coinsurance |
| Specialist | In-network: $40 copay Out-of-network: 30% coinsurance |
In-network: $40 copay Out-of-network: 30% coinsurance |
Preventive and Wellness Services
| Covered Service | 2027 | 2026 |
|---|---|---|
| Annual wellness exam | In-network: $0 copay | In-network: $0 copay |
| Telehealth benefit | In-network: $0 copay | In-network: $0 copay |
| Routine chiropractic | Not covered | Not covered |
| Fitness benefits | Coming soon | In-network: $0 copay |
| Health education | In-network: $0 copay | In-network: $0 copay |
| Counseling services | Not covered | Not covered |
| Over-the-counter drug benefits | In-network: $0 copay | In-network: $0 copay |
| Health transportation (non-emergency) | Coming soon | In-network: $0 copay |
Diagnostic, Lab, and Imaging Services
| Covered Service | 2027 | 2026 |
|---|---|---|
| Diagnostic radiology services | In-network: $40-$200 copay Out-of-network: 30% coinsurance |
In-network: $40-$200 copay Out-of-network: 30% coinsurance |
| Lab services | In-network: $0 copay Out-of-network: 30% coinsurance |
In-network: $0 copay Out-of-network: 30% coinsurance |
| Outpatient x-rays | In-network: $40 copay Out-of-network: 30% coinsurance |
In-network: $40 copay Out-of-network: 30% coinsurance |
| Diagnostic tests and procedures | In-network: $15 copay Out-of-network: 30% coinsurance |
In-network: $15 copay Out-of-network: 30% coinsurance |
Emergency and Urgent Care Services
| Covered Service | 2027 | 2026 |
|---|---|---|
| Emergency room care | $115 copay | $115 copay |
| Worldwide emergency care | Coming soon | $115 copay |
| Urgent care | $35 copay | $35 copay |
| Inpatient hospital care | In-network: Tier 1 $400 per day for days 1-5 $0 per day for days 6-90 $0 per stay Out-of-network: 30% per stay |
In-network: Tier 1 $375 per day for days 1-5 $0 per day for days 6-90 $0 per stay Out-of-network: 30% per stay |
| Skilled Nursing Facility | In-network: Tier 1 $0 per day for days 1-20 $221 per day for days 21-100 |
In-network: Tier 1 $0 per day for days 1-20 $218 per day for days 21-100 |
| Ground ambulance | In-network: $200 copay Out-of-network: $200-$400 copay |
In-network: $200 copay Out-of-network: $200-$400 copay |
Mental Health Services
| Covered Service | 2027 | 2026 |
|---|---|---|
| Outpatient individual therapy | In-network: $10 copay | In-network: $10 copay |
| Outpatient group therapy | In-network: $10 copay | In-network: $10 copay |
| Inpatient psychiatric hospital care | In-network: Tier 1 $400 per day for days 1-5 $0 per day for days 6-90 $0 per stay Out-of-network: 30% per stay |
In-network: Tier 1 $375 per day for days 1-5 $0 per day for days 6-90 $0 per stay Out-of-network: 30% per stay |
Rehabilitation Services
| Covered Service | 2027 | 2026 |
|---|---|---|
| Physical therapy and speech and language therapy | In-network: $20 copay Out-of-network: 30% coinsurance |
In-network: $20 copay Out-of-network: 30% coinsurance |
| Occupational therapy | In-network: $20 copay Out-of-network: 30% coinsurance |
In-network: $20 copay Out-of-network: 30% coinsurance |
Medical Equipment and Supplies
| Covered Service | 2027 | 2026 |
|---|---|---|
| Diabetes supplies | In-network: $0 copay | In-network: $0 copay |
| Durable medical equipment | In-network: 20% coinsurance Out-of-network: 30% coinsurance |
In-network: 20% coinsurance Out-of-network: 30% coinsurance |
| Prosthetics | In-network: 0%-20% coinsurance Out-of-network: 30% coinsurance |
In-network: 0%-20% coinsurance Out-of-network: 30% coinsurance |
Medicare Part B Drugs
| Covered Service | 2027 | 2026 |
|---|---|---|
| Chemotherapy | In-network: 0%-20% coinsurance | In-network: 0%-20% coinsurance |
| Other Part B drugs (Medicare-covered) | In-network: 0%-20% coinsurance | In-network: 0%-20% coinsurance |
Dental Services
| Covered Service | 2027 | 2026 |
|---|---|---|
| Oral exam | In-network: $0 copay | In-network: $0 copay Out-of-network: $0 copay, 0% coinsurance |
| Dental x-rays | In-network: $0 copay | In-network: $0 copay Out-of-network: $0 copay, 0% coinsurance |
| Cleaning | In-network: $0 copay | In-network: $0 copay Out-of-network: $0 copay, 0% coinsurance |
| Periodontics | In-network: $0 copay | In-network: $0 copay Out-of-network: $0 copay, 0% coinsurance |
| Endodontics | In-network: $0 copay | In-network: $0 copay Out-of-network: $0 copay, 0% coinsurance |
| Restorative services | In-network: $0 copay | In-network: $0 copay Out-of-network: $0 copay, 0% coinsurance |
| Implant services | Not covered | In-network: $0 copay Out-of-network: $0 copay, 0% coinsurance |
| Orthodontics | Not covered | Not covered |
| Oral/Maxillofacial surgery | In-network: $0 copay | In-network: $0 copay Out-of-network: $0 copay, 0% coinsurance |
Vision Services
| Covered Service | 2027 | 2026 |
|---|---|---|
| Routine eye exam | In-network: $0 copay Out-of-network: $0 copay, 0% coinsurance |
In-network: $0 copay Out-of-network: $0 copay, 0% coinsurance |
| Contact lenses | In-network: $0 copay | In-network: $0 copay |
| Eyeglass frames only | In-network: $0 copay | In-network: $0 copay |
| Eyeglass lenses only | In-network: $0 copay | In-network: $0 copay |
| Eyeglasses (frames & lenses) | In-network: $0 copay | In-network: $0 copay |
| Upgrades | In-network: $0 copay | In-network: $0 copay |
Hearing Services
| Covered Service | 2027 | 2026 |
|---|---|---|
| Hearing exam | In-network: $0 copay | In-network: $0 copay |
| Fitting/evaluation | In-network: $0 copay | In-network: $0 copay |
| Prescription hearing aids | In-network: $699-$999 copay | In-network: $699-$999 copay |
| OTC hearing aids | Not covered | Not covered |
Additional and Special Needs Services
| Covered Service | 2027 | 2026 |
|---|---|---|
| Adult day health services | Not covered | Not covered |
| Home-based palliative care | Not covered | Not covered |
| Personal emergency response system | Coming soon | Not covered |
| Weight management programs | Not covered | Not covered |
| Wigs for chemotherapy-related hair loss | Coming soon | Not covered |
| Alternative therapies | Not covered | Not covered |
| Massage therapy | Not covered | Not covered |
| Home/bathroom safety devices | Not covered | Not covered |
Certain preventive services are covered 100% by MVP Medicare Preferred Gold with Part D as a Part B benefit.
Prescription Drug Coverage
MVP Medicare Preferred Gold with Part D includes a Medicare Part D prescription drug plan (PDP). Plan type and coverage level are defined by CMS and may vary between basic and enhanced benefit designs.
This plan includes an enhanced benefit Medicare Part D plan (PDP), providing coverage beyond the standard CMS-defined minimum.
Prescription Drug Plan Premium
The Part D prescription drug plan premium is included in the overall Medicare Advantage plan cost. Additional adjustments may apply through the Low-Income Subsidy (LIS) program, also known as Extra Help, administered by Social Security. LIS benefits are separate from Medicare Special Needs Plan coverage.
| Part D Premium Component | Amount |
|---|---|
| Basic Part D Premium: | $119.10 |
| Supplemental Part D Premium: | $$0.00 |
| Total Part D Premium: | $119.10 |
| Low-Income Premium Subsidy: | $40.45 |
| Low-Income Premium Subsidy Paid by CMS: | $40.50 |
| Low-Income Subsidy Premium: | $78.60 |
For more details, visit the Social Security Extra Help program .
Prescription Drug Plan Deductible
This plan has a $400.00 annual Part D deductible. You'll pay this deductible at the pharmacy before MVP HEALTH CARE starts contributing towards your prescription costs.
Prescription Drug Plan Out-of-Pocket Costs
Beyond premiums and deductibles, MVP Medicare Preferred Gold with Part D may have additional costs at pharmacies. The table below outlines out-of-pocket expenses by drug tier.
| Drug Tier | Retail | Mail Order |
|---|---|---|
| Preferred Generic | $0.00 copay | Coming soon |
| Generic | $2.00 copay | Coming soon |
| Preferred Brand | 16% coinsurance | Coming soon |
| Non-Preferred Drug | 40% coinsurance | Coming soon |
| Specialty Tier | 29% coinsurance | Coming soon |
| *Deductible does not apply. | ||
CMS 5-Star Performance Ratings (Contract ID: H3305)
Medicare Advantage (Part C) and Part D plans are rated each year by CMS on a 5-star scale. Ratings summarize plan performance across clinical care and member experience measures.
| CMS Measure | Star Rating |
|---|---|
| 2027 Overall Rating | |
| Staying Healthy: Screenings, Tests, Vaccines | |
| Managing Chronic (Long Term) Conditions | |
| Member Experience with Health Plan | |
| Complaints and Changes in Plans Performance | |
| Health Plan Customer Service | |
| Drug Plan Customer Service | |
| Complaints and Changes in the Drug Plan | |
| Member Experience with the Drug Plan | |
| Drug Safety and Accuracy of Drug Pricing |
Contact Information for MVP HEALTH CARE
- Website
- MVP HEALTH CARE Plan Page
- Providers
- MVP HEALTH CARE Providers Page
- Formulary
- MVP HEALTH CARE Formulary Page
- Pharmacy
- MVP HEALTH CARE Pharmacy Page
- New Member Health Plan Help
- (800)324-3899
- New Member Health Plan TTY
- 711
- New Member Part D Help
- (800)324-3899
- New Member Part D TTY Users
- 711
Enrollment status and eligibility information are available through the Social Security Administration. Additional information about Medicare Advantage is available at Medicare.gov.
Plan Availability
MVP Medicare Preferred Gold with Part D (H3305-015-0) is available in the following locations:
Frequently Asked Questions
Here are some of the most frequently asked questions about this plan (click to open).
Frequently Asked Questions About MVP Medicare Preferred Gold with Part D (HMO-POS)
What is the monthly premium for MVP Medicare Preferred Gold with Part D (HMO-POS)?
The plan’s monthly premium is $277.00 for 2027. The Part B premium is not included.
What is the MOOP for MVP Medicare Preferred Gold with Part D in 2027?
For 2027, the in-network maximum out-of-pocket is $6800.00. The plan pays 100% of covered in-network services beyond this amount.
What is the CMS star rating for MVP Medicare Preferred Gold with Part D?
The 2027 CMS star rating for MVP Medicare Preferred Gold with Part D is ★3.5 out of 5.
How many beneficiaries are enrolled in this plan?
CMS reports 4,444 beneficiaries enrolled in this plan.
What is the Part D deductible for plan H3305-015?
The plan’s Part D deductible is $400.00, applied to covered prescription drug costs.
Medicare Plan Data Sources and Methodology
| Data Source | Publisher | Last Accessed |
|---|---|---|
| Landscape Source Files | Centers for Medicare & Medicaid Services | October 5, 2026 |
| Medicare Part C & D Performance | Centers for Medicare & Medicaid Services | October 5, 2026 |
| Plan Benefits Package | Centers for Medicare & Medicaid Services | October 5, 2026 |
| Monthly Enrollment by Contract/Plan/State/County | Centers for Medicare & Medicaid Services | October 5, 2026 |
Data sources and methodology documentation.
| Publisher | Reference | Last Accessed |
|---|---|---|
| MVP HEALTH CARE (official source) | http://www.mvphealthcare.com/plans/medicare | October 4, 2026 |
| Medicare.gov | Understanding Medicare Advantage Plans | 25 May, 2025 |
| AARP.org | The Big Choice: Original Medicare vs. Medicare Advantage | 25 May, 2025 |
| Medicare.gov | Your coverage options | 25 May, 2025 |
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