In-network
Inpatient hospital
Days 1–5 $290 / day
Days 6–90 $0 / day
Total of listed copays · 5 charged days $1,450
Out-of-network
Tier 1: 35% coinsurance
Point of service
Not separately reported
● CMS 2027 plan record
Anthem Veteran (PPO)
Choose and order benefitsSelections are saved only on this device.
Emergency transport
Ambulance
Ground · in-network$285 copay
Air · in-network$285 copay
Emergency services
Emergency room
$115 copay
Medical maximum
Maximum out-of-pocket
In-network$6,800
Combined in + out$10,000
Skilled care at home
Home health
In-network$0 copay
Out-of-network35% coinsurance
Monthly cost
Premium & giveback
Part C premium$0 / month
Consolidated C + DNot reported
CMS reports a Part B premium reduction of $80 per month.
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Primary care physician
In: Primary Care Physician Services: $0 copay · Out: 7a: $35 copay
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Specialist
In: Physician Specialist Services: $45 copay · Out: 7d: $60 copay
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Preventive care
In: Annual Physical Exam: $0 copay; Kidney Disease Education Services: $0 copay; Glaucoma Screening: $0 copay; Diabetes Self-Management Training: $0 copay; Digital Rectal Exams: $0 copay; EKG following Welcome Visit: $0 copay · Out: 14b: 35% coinsurance; 14d: 35% coinsurance; 14e1: 35% coinsurance; 14e2: 35% coinsurance; 14e4: 35% coinsurance; 14e5: 35% coinsurance; 14a: 35% coinsurance
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Diagnostic procedures & tests
In: Diagnostic Procedures/Tests: $0–$140 copay · Out: 8a1: 35% coinsurance
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Laboratory services
In: Lab Services: $0–$15 copay · Out: 8a2: 35% coinsurance
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X-rays & standard imaging
In: Outpatient X-Ray Services: $50–$110 copay · Out: 8b3: 35% coinsurance
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MRI, CT & PET imaging
In: Diagnostic Radiological Services: $50–$290 copay · Out: 8b1: 35% coinsurance
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Urgent care
In: Urgently Needed Services: $40 copay · Out: Not separately reported
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Emergency room
In: $115 copay · Out: Not separately reported
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Ground ambulance
In: $285 copay · Out: $285 copay
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Air ambulance
In: $285 copay · Out: $285 copay
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Outpatient hospital
In: Outpatient Hospital Services: $0–$290 copay; Observation Services: $290 copay · Out: 9a1: 35% coinsurance; 9a2: 35% coinsurance
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Outpatient surgery / ASC
In: Ambulatory Surgical Center (ASC) Services: $0–$240 copay · Out: 9b: 35% coinsurance
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Home health
In: $0 copay · Out: 35% coinsurance
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Skilled nursing facility
In: Skilled nursing facility: Tier 1: $0 / day for days 1–20; $218 / day for days 21–100 · Out: Skilled nursing facility: Tier 1: 35% coinsurance
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Cardiac & pulmonary rehabilitation
In: Cardiac Rehabilitation Services: $30 copay; Intensive Cardiac Rehabilitation Services: $30 copay; Pulmonary Rehabilitation Services: $15 copay; SET for PAD Services: $20 copay; 3-1(NMC): Not applicable; 3-2(NMC): Not applicable; 3-3(NMC): Not applicable; 3-4(NMC): Not applicable · Out: 3-1: 35% coinsurance; 3-2: 35% coinsurance; 3-3: 35% coinsurance; 3-4: 35% coinsurance
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Occupational therapy
In: Occupational Therapy Services: $35 copay · Out: 7c: 35% coinsurance
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Physical & speech therapy
In: Physical Therapy and Speech-Language Pathology Services: $35 copay · Out: 7i: 35% coinsurance
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Mental health services
In: Partial Hospitalization Program: $40 copay; Individual Sessions for Mental Health Specialty Services: $45 copay; Group Sessions for Mental Health Specialty Services: $45 copay; Individual Sessions for Psychiatric Services: $45 copay; Group Sessions for Psychiatric Services: $45 copay; Inpatient psychiatric hospital: Tier 1: $290 / day for days 1–5; $0 / day for days 6–90 · Out: 5a: 35% coinsurance; 7e1: 35% coinsurance; 7e2: 35% coinsurance; 7h1: 35% coinsurance; 7h2: 35% coinsurance; Inpatient psychiatric hospital: Tier 1: 35% coinsurance
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Substance use treatment
In: Intensive Outpatient Program Services: $40 copay; Individual Sessions for Outpatient Substance Abuse: $45 copay; Group Sessions for Outpatient Substance Abuse: $45 copay · Out: 5b: 35% coinsurance; 9c1: 35% coinsurance; 9c2: 35% coinsurance
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Podiatry
In: Podiatry Services: $45 copay; 7f(NMC): Not applicable · Out: 7f: $60 copay
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Chiropractic
In: Chiropractic Services: $15 copay · Out: 7b: 35% coinsurance
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Dental
In: Medicare Dental Services: $0 copay; Diagnostic and Preventive Dental: $0 cost share; Oral Exams: $0 copay; Dental X-Rays: $0 copay; Other Diagnostic Dental Services: $0 copay; Prophylaxis (Cleaning): $0 copay; Fluoride Treatment: $0 copay; Other Preventive Dental Services: $0 copay; Restorative Services: 25% coinsurance; Endodontics: 25% coinsurance; Periodontics: 25% coinsurance; Prosthodontics, removable: 25% coinsurance; Prosthodontics, fixed: 25% coinsurance; Oral and Maxillofacial Surgery: 25% coinsurance; Adjunctive General Services: 25% coinsurance · Out: 16a: $0 copay; 16b1: 20% coinsurance; 16b2: 20% coinsurance; 16b3: 20% coinsurance; 16b4: 20% coinsurance; 16b5: 20% coinsurance; 16b6: 20% coinsurance; 16c1: 50% coinsurance; 16c2: 50% coinsurance; 16c3: 50% coinsurance; 16c4: 50% coinsurance; 16c7: 50% coinsurance; 16c8: 50% coinsurance; 16c10: 50% coinsurance
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Vision
In: Eye Exams: $0–$45 copay; Routine Eye Exams: $0 copay; Other Eye Exam Services: Not applicable; Eyewear: $0 copay; Contact Lenses: $0 copay; Eyeglasses (lenses and frames): $0 copay; Eyeglass lenses: $0 copay; Eyeglass frames: $0 copay; Upgrades: Not applicable · Out: 17a: $60 copay; 17a1: $0 copay; 17b: $60 copay; 17b1: $0 copay; 17b2: $0 copay; 17b3: $0 copay; 17b4: $0 copay
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Hearing
In: Hearing Exams: $45 copay; Routine Hearing Exams: $0 copay; Fitting/Evaluation for Hearing Aid: $0 copay; Prescription Hearing Aids (all types): $0 copay; Prescription Hearing Aids - Inner Ear: Not applicable; Prescription Hearing Aids - Outer Ear: Not applicable; Prescription Hearing Aids - Over the Ear: Not applicable; OTC Hearing Aids: $0 copay · Out: 18a: $60 copay; 18a1: 20% coinsurance; 18a2: 20% coinsurance; 18b1: 80% coinsurance; 18c: 80% coinsurance
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Transportation
In: 10b(NMC): Not applicable · Out: Not separately reported
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Fitness & wellness
In: Fitness Benefit: $0 copay · Out: 14c4: 75% coinsurance
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Over-the-counter allowance
In: Over-the-Counter (OTC) Items: $0 copay · Out: 13b: $0 copay
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Meals
In: Meal Benefit: Not applicable · Out: Not separately reported
Plan details
All plan benefits
No benefits match that search.
Medical care3 benefits
Primary care physician
In-networkPrimary Care Physician Services: $0 copay
Out-of-network7a: $35 copay
Specialist
In-networkPhysician Specialist Services: $45 copay
Out-of-network7d: $60 copay
Preventive care
In-networkAnnual Physical Exam: $0 copay; Kidney Disease Education Services: $0 copay; Glaucoma Screening: $0 copay; Diabetes Self-Management Training: $0 copay; Digital Rectal Exams: $0 copay; EKG following Welcome Visit: $0 copay
Out-of-network14b: 35% coinsurance; 14d: 35% coinsurance; 14e1: 35% coinsurance; 14e2: 35% coinsurance; 14e4: 35% coinsurance; 14e5: 35% coinsurance; 14a: 35% coinsurance
Diagnostics & imaging4 benefits
Diagnostic procedures & tests
In-networkDiagnostic Procedures/Tests: $0–$140 copay
Out-of-network8a1: 35% coinsurance
Laboratory services
In-networkLab Services: $0–$15 copay
Out-of-network8a2: 35% coinsurance
X-rays & standard imaging
In-networkOutpatient X-Ray Services: $50–$110 copay
Out-of-network8b3: 35% coinsurance
MRI, CT & PET imaging
In-networkDiagnostic Radiological Services: $50–$290 copay
Out-of-network8b1: 35% coinsurance
Urgent & hospital care6 benefits
Urgent care
In-networkUrgently Needed Services: $40 copay
Out-of-networkNot separately reported
Emergency room
In-network$115 copay
Out-of-networkNot separately reported
Ground ambulance
In-network$285 copay
Out-of-network$285 copay
Air ambulance
In-network$285 copay
Out-of-network$285 copay
Outpatient hospital
In-networkOutpatient Hospital Services: $0–$290 copay; Observation Services: $290 copay
Out-of-network9a1: 35% coinsurance; 9a2: 35% coinsurance
Outpatient surgery / ASC
In-networkAmbulatory Surgical Center (ASC) Services: $0–$240 copay
Out-of-network9b: 35% coinsurance
Recovery & therapy5 benefits
Home health
In-network$0 copay
Out-of-network35% coinsurance
Skilled nursing facility
In-networkSkilled nursing facility: Tier 1: $0 / day for days 1–20; $218 / day for days 21–100
Out-of-networkSkilled nursing facility: Tier 1: 35% coinsurance
Cardiac & pulmonary rehabilitation
In-networkCardiac Rehabilitation Services: $30 copay; Intensive Cardiac Rehabilitation Services: $30 copay; Pulmonary Rehabilitation Services: $15 copay; SET for PAD Services: $20 copay; 3-1(NMC): Not applicable; 3-2(NMC): Not applicable; 3-3(NMC): Not applicable; 3-4(NMC): Not applicable
Out-of-network3-1: 35% coinsurance; 3-2: 35% coinsurance; 3-3: 35% coinsurance; 3-4: 35% coinsurance
Occupational therapy
In-networkOccupational Therapy Services: $35 copay
Out-of-network7c: 35% coinsurance
Physical & speech therapy
In-networkPhysical Therapy and Speech-Language Pathology Services: $35 copay
Out-of-network7i: 35% coinsurance
Behavioral health2 benefits
Mental health services
In-networkPartial Hospitalization Program: $40 copay; Individual Sessions for Mental Health Specialty Services: $45 copay; Group Sessions for Mental Health Specialty Services: $45 copay; Individual Sessions for Psychiatric Services: $45 copay; Group Sessions for Psychiatric Services: $45 copay; Inpatient psychiatric hospital: Tier 1: $290 / day for days 1–5; $0 / day for days 6–90
Out-of-network5a: 35% coinsurance; 7e1: 35% coinsurance; 7e2: 35% coinsurance; 7h1: 35% coinsurance; 7h2: 35% coinsurance; Inpatient psychiatric hospital: Tier 1: 35% coinsurance
Substance use treatment
In-networkIntensive Outpatient Program Services: $40 copay; Individual Sessions for Outpatient Substance Abuse: $45 copay; Group Sessions for Outpatient Substance Abuse: $45 copay
Out-of-network5b: 35% coinsurance; 9c1: 35% coinsurance; 9c2: 35% coinsurance
Specialty care2 benefits
Podiatry
In-networkPodiatry Services: $45 copay; 7f(NMC): Not applicable
Out-of-network7f: $60 copay
Chiropractic
In-networkChiropractic Services: $15 copay
Out-of-network7b: 35% coinsurance
Supplemental benefits7 benefits
Dental
In-networkMedicare Dental Services: $0 copay; Diagnostic and Preventive Dental: $0 cost share; Oral Exams: $0 copay; Dental X-Rays: $0 copay; Other Diagnostic Dental Services: $0 copay; Prophylaxis (Cleaning): $0 copay; Fluoride Treatment: $0 copay; Other Preventive Dental Services: $0 copay; Restorative Services: 25% coinsurance; Endodontics: 25% coinsurance; Periodontics: 25% coinsurance; Prosthodontics, removable: 25% coinsurance; Prosthodontics, fixed: 25% coinsurance; Oral and Maxillofacial Surgery: 25% coinsurance; Adjunctive General Services: 25% coinsurance
Out-of-network16a: $0 copay; 16b1: 20% coinsurance; 16b2: 20% coinsurance; 16b3: 20% coinsurance; 16b4: 20% coinsurance; 16b5: 20% coinsurance; 16b6: 20% coinsurance; 16c1: 50% coinsurance; 16c2: 50% coinsurance; 16c3: 50% coinsurance; 16c4: 50% coinsurance; 16c7: 50% coinsurance; 16c8: 50% coinsurance; 16c10: 50% coinsurance
Vision
In-networkEye Exams: $0–$45 copay; Routine Eye Exams: $0 copay; Other Eye Exam Services: Not applicable; Eyewear: $0 copay; Contact Lenses: $0 copay; Eyeglasses (lenses and frames): $0 copay; Eyeglass lenses: $0 copay; Eyeglass frames: $0 copay; Upgrades: Not applicable
Out-of-network17a: $60 copay; 17a1: $0 copay; 17b: $60 copay; 17b1: $0 copay; 17b2: $0 copay; 17b3: $0 copay; 17b4: $0 copay
Hearing
In-networkHearing Exams: $45 copay; Routine Hearing Exams: $0 copay; Fitting/Evaluation for Hearing Aid: $0 copay; Prescription Hearing Aids (all types): $0 copay; Prescription Hearing Aids - Inner Ear: Not applicable; Prescription Hearing Aids - Outer Ear: Not applicable; Prescription Hearing Aids - Over the Ear: Not applicable; OTC Hearing Aids: $0 copay
Out-of-network18a: $60 copay; 18a1: 20% coinsurance; 18a2: 20% coinsurance; 18b1: 80% coinsurance; 18c: 80% coinsurance
Transportation
Not applicableIn-network10b(NMC): Not applicable
Out-of-networkNot separately reported
Fitness & wellness
In-networkFitness Benefit: $0 copay
Out-of-network14c4: 75% coinsurance
Over-the-counter allowance
In-networkOver-the-Counter (OTC) Items: $0 copay
Out-of-network13b: $0 copay
Meals
Not applicableIn-networkMeal Benefit: Not applicable
Out-of-networkNot separately reported
Plan costs & rulesCoverage overview
Premium & Part B giveback
$0 Part C premium / month · CMS reports a Part B premium reduction of $80 per month.
Maximum out-of-pocket (MOOP)
In-network$6,800
Combined in + out$10,000
Medical deductibles
In-networkNot reported
Out-of-networkNot reported
Annual health deductible
$750
Combined network deductible
Not separately reported
Part D premium
Not reported
Network & referrals
Local PPO · Referrals: Not required · Out-of-network coverage: Yes
Prescription drugs0 tiers
Part D deductible
Not reported
Using this plan
Understand H4909-020-000
Plain-language context built from this plan’s 2027 CMS record. It is a guide to the reported benefits, not a personalized cost estimate.
Plan at a glance
A quick read on this plan
Anthem Veteran (PPO) is a 2027 Local PPO offered by Anthem Blue Cross and Blue Shield in Select counties in Virginia. The CMS record indicates out-of-network coverage, although member costs may differ from in-network care. The plan record does not require referrals. Its listed inpatient copay stages total $1,450 across 5 charged days.
Common benefit costs
What you may pay
These are individual in-network benefit amounts. A real visit may involve more than one separately billed service.
Routine care
- Primary care physician
- Primary Care Physician Services: $0 copay
- Specialist
- Physician Specialist Services: $45 copay
- Laboratory services
- Lab Services: $0–$15 copay
Separate visits or services; costs are not added together.
Tests & outpatient care
- Diagnostic procedures & tests
- Diagnostic Procedures/Tests: $0–$140 copay
- MRI, CT & PET imaging
- Diagnostic Radiological Services: $50–$290 copay
- Outpatient hospital
- Outpatient Hospital Services: $0–$290 copay; Observation Services: $290 copay
The service setting and billing details can change what you pay.
Emergency & hospital care
- Emergency room
- $115 copay
- Listed inpatient stages
- $1,450 total
5 charged inpatient days are included in the calculated total. Actual costs depend on the care received and plan rules.
Helpful context
Terms worth knowing
Maximum out-of-pocket (MOOP)
This is the most you generally pay during the plan year for covered Part A and Part B medical services under the applicable network limit. Premiums and prescription drug costs generally do not count toward it.
Part B premium reduction (“giveback”)
A giveback may reduce the amount you pay toward Medicare Part B; it is not usually paid to you as cash. The CMS record notes: CMS reports a Part B premium reduction of $80 per month.
Availability
Who can enroll
- Service area
- Select counties in Virginia (VA)
- Plan type
- Local PPO
- Contract / plan
- H4909-020
- Coverage year
- 2027
Enrollment generally requires Medicare eligibility and residence in the plan's service area. Confirm eligibility and the exact service area with the plan before enrolling.
Supplemental coverage
Extra benefits reported
Availability is summarized here; allowances, frequency limits, networks, and prior-authorization rules may apply.
DentalMedicare Dental Services: $0 copay; Diagnostic and Preventive Dental: $0 cost share; Oral Exams: $0 copay; Dental X-Rays: $0 copay; Other Diagnostic Dental Services: $0 copay; Prophylaxis (Cleaning): $0 copay; Fluoride Treatment: $0 copay; Other Preventive Dental Services: $0 copay; Restorative Services: 25% coinsurance; Endodontics: 25% coinsurance; Periodontics: 25% coinsurance; Prosthodontics, removable: 25% coinsurance; Prosthodontics, fixed: 25% coinsurance; Oral and Maxillofacial Surgery: 25% coinsurance; Adjunctive General Services: 25% coinsurance
VisionEye Exams: $0–$45 copay; Routine Eye Exams: $0 copay; Other Eye Exam Services: Not applicable; Eyewear: $0 copay; Contact Lenses: $0 copay; Eyeglasses (lenses and frames): $0 copay; Eyeglass lenses: $0 copay; Eyeglass frames: $0 copay; Upgrades: Not applicable
HearingHearing Exams: $45 copay; Routine Hearing Exams: $0 copay; Fitting/Evaluation for Hearing Aid: $0 copay; Prescription Hearing Aids (all types): $0 copay; Prescription Hearing Aids - Inner Ear: Not applicable; Prescription Hearing Aids - Outer Ear: Not applicable; Prescription Hearing Aids - Over the Ear: Not applicable; OTC Hearing Aids: $0 copay
Over-the-counter allowanceOver-the-Counter (OTC) Items: $0 copay
Fitness & wellnessFitness Benefit: $0 copay
Plan-specific answers
Frequently asked questions
Where is H4909-020-000 available?
Anthem Veteran (PPO) is listed for Select counties in Virginia (VA). Enrollment generally requires Medicare eligibility and residence in the plan's service area.
What is the in-network maximum out-of-pocket limit for H4909-020-000?
The 2027 CMS record lists an in-network medical maximum out-of-pocket limit of $6,800. Prescription drug spending generally does not count toward this medical limit.
What is the monthly plan premium for H4909-020-000?
The listed Part C premium is $0 per month. This does not replace the standard Medicare Part B premium.
What does an emergency room visit cost on H4909-020-000?
The plan record lists $115 copay.
Does H4909-020-000 report extra benefits?
Yes. CMS reports dental, vision, hearing, over-the-counter allowance, fitness & wellness. See the detailed benefit rows and official plan documents for limits and conditions.
Source trail
Official CMS, Contract Year 2027
Plan identity and benefits come from CMS PBP data. Benefits and drug cost sharing come from the approved annual PBP tabular extract and its CMS dictionary. Premiums and drug deductibles are cross-checked with the annual Landscape. Geography comes from annual PlanArea and PlanRegionArea records, including exact segments and partial-county or employer/group qualifiers. Quick-reference values should be confirmed in current official plan documents.
Plan context
Where H4909-020-000 fits
- Full CMS plan ID
H4909-020-000- Contract
H4909- Base plan code
H4909-020- Segment
000- Carrier
- Anthem Blue Cross and Blue Shield
- Plan type
- Local PPO
- Service area
- Select counties in Virginia (VA)
County/service-area foundation
CMS service-area entries
Service areas come from the annual CMS PlanArea and PlanRegionArea tables for this exact contract, plan, and segment. Partial-county and employer/group qualifiers remain part of the coverage area. Regional PPO county entries use the matching annual Landscape expansion of the CMS region.
- Albemarle, VA
- Amelia, VA
- Appomattox, VA
- Augusta, VA
- Bath, VA
- Bedford, VA
- Bland, VA
- Botetourt, VA
- Bristol City, VA
- Brunswick, VA
- Buchanan, VA
- Buena Vista City, VA
91 additional service-area entries are retained in the data record.
Exact county navigation
Counties with exact segment geography
These links are limited to named counties tied to this exact medical plan segment. Partial-county entries remain labeled for verification.
Show 103 county links
Virginia
- Albemarle County, Virginia
- Amelia County, Virginia
- Appomattox County, Virginia
- Augusta County, Virginia
- Bath County, Virginia
- Bedford County, Virginia
- Bland County, Virginia
- Botetourt County, Virginia
- Bristol City County, Virginia
- Brunswick County, Virginia
- Buchanan County, Virginia
- Buena Vista City County, Virginia
- Campbell County, Virginia
- Caroline County, Virginia
- Charles City County, Virginia
- Charlotte County, Virginia
- Chesapeake City County, Virginia
- Chesterfield County, Virginia
- Clarke County, Virginia
- Colonial Heights City County, Virginia
- Covington City County, Virginia
- Craig County, Virginia
- Cumberland County, Virginia
- Dickenson County, Virginia
- Dinwiddie County, Virginia
- Emporia City County, Virginia
- Fauquier County, Virginia
- Floyd County, Virginia
- Fluvanna County, Virginia
- Franklin City County, Virginia
- Franklin County, Virginia
- Frederick County, Virginia
- Galax City County, Virginia
- Giles County, Virginia
- Gloucester County, Virginia
- Goochland County, Virginia
- Grayson County, Virginia
- Greene County, Virginia
- Greensville County, Virginia
- Halifax County, Virginia
- Hampton City County, Virginia
- Hanover County, Virginia
- Henrico County, Virginia
- Henry County, Virginia
- Highland County, Virginia
- Isle of Wight County, Virginia
- King and Queen County, Virginia
- King George County, Virginia
- King William County, Virginia
- Lancaster County, Virginia
- Lee County, Virginia
- Lexington City County, Virginia
- Louisa County, Virginia
- Lunenburg County, Virginia
- Lynchburg City County, Virginia
- Madison County, Virginia
- Manassas City County, Virginia
- Manassas Park City County, Virginia
- Mathews County, Virginia
- Middlesex County, Virginia
- New Kent County, Virginia
- Newport News City County, Virginia
- Norfolk City County, Virginia
- Northampton County, Virginia
- Northumberland County, Virginia
- Norton City County, Virginia
- Nottoway County, Virginia
- Orange County, Virginia
- Page County, Virginia
- Patrick County, Virginia
- Petersburg City County, Virginia
- Poquoson City County, Virginia
- Portsmouth City County, Virginia
- Powhatan County, Virginia
- Prince Edward County, Virginia
- Prince George County, Virginia
- Pulaski County, Virginia
- Radford City County, Virginia
- Rappahannock County, Virginia
- Richmond City County, Virginia
- Richmond County, Virginia
- Roanoke City County, Virginia
- Roanoke County, Virginia
- Rockbridge County, Virginia
- Rockingham County, Virginia
- Russell County, Virginia
- Salem City County, Virginia
- Scott County, Virginia
- Shenandoah County, Virginia
- Spotsylvania County, Virginia
- Stafford County, Virginia
- Staunton City County, Virginia
- Suffolk City County, Virginia
- Surry County, Virginia
- Tazewell County, Virginia
- Virginia Beach City County, Virginia
- Washington County, Virginia
- Waynesboro City County, Virginia
- Westmoreland County, Virginia
- Williamsburg City County, Virginia
- Winchester City County, Virginia
- Wise County, Virginia
- Wythe County, Virginia
About this code
What H4909-020-000 identifies
H4909-020-000 is a Contract Year 2027 Medicare plan segment code. Searches written as H4909-020, H4909 020, or the compact full CMS ID H4909020000 refer to this plan or its base plan code.
Medicare Plan Lookup uses official CMS data as a quick reference. Benefit details, eligibility, service-area rules, and cost sharing should be confirmed in the current Summary of Benefits or Evidence of Coverage.