Health First Premier Access H1099-025 (HMO-POS) in Lake County, Florida — 2026 plan details
Last updated Jul 18, 2026
Reviewed by Jason Burns, Editorial Steward
Published by Senior Direct Answers · Licensed under Citation License 1.0
Health First Premier Access H1099-025 (HMO-POS) (H1099-025) is a $0-premium Medicare Advantage HMO-POS from Health First Shared Services, Inc. available in Lake County, Florida in 2026, with a 4.0-star overall rating, a $4,500 in-network out-of-pocket maximum, and a $200 annual Part D drug deductible.
Plan facts (CMS CY2026 Landscape file)
| Organization | Health First Shared Services, Inc. |
|---|---|
| Plan name | Health First Premier Access H1099-025 (HMO-POS) |
| Contract ID | H1099 |
| Plan ID | 025 |
| Segment ID | 0 |
| Contract year | 2026 |
| Contract category | MA-PD |
| Plan type | HMO-POS |
| SNP | No |
| Monthly consolidated premium | $0.00 |
| Part C premium | $0.00 |
| Part D basic premium | $0.00 |
| Part D total premium | $0.00 |
| Annual Part D deductible | $200.00 |
| Maximum out-of-pocket (in-network) | $4500.00 |
| Overall star rating | 4.0 |
How this plan is structured
- $0 consolidated premium. A $0 or near-$0 consolidated premium does not remove the Part B premium — the standard 2026 Part B premium is $202.90 per month and still applies. See the 2026 Medicare Part B premium.
- HMO-POS plan type. In an HMO-style Medicare Advantage plan, in-network care and primary-care referral rules generally apply. See how Medicare Advantage HMO and PPO plans differ.
- $4,500 in-network out-of-pocket maximum. The MOOP is the annual cap on what a member pays in-network for covered Part A and Part B services. See how the Medicare Advantage MOOP works.
- Service area = Lake County. Medicare Advantage plans are sold by service area; moving out of the plan's service area triggers a Special Enrollment Period to switch plans. See how moving changes your Medicare options.
How it compares in Lake County
The CMS CY2026 Landscape file lists 106 Medicare Advantage plans in Lake County, Florida, of which 8 carry a 5.0-star overall rating and 84 have a $0 consolidated monthly premium. Consolidated premiums range from $0.00 to $184.00 per month, and in-network out-of-pocket maximums range from $500.00 to $9250.00.
Other 5.0-star Medicare Advantage plans in Lake County (first three alphabetically):
| Plan | Organization | Premium | MOOP |
|---|---|---|---|
| DEVOTED C-SNP PLUS 091 FL (HMO C-SNP) | Devoted Health, Inc. | $4.80 | $9250.00 |
| DEVOTED C-SNP PREMIUM 070 FL (HMO C-SNP) | Devoted Health, Inc. | $4.80 | $3900.00 |
| DEVOTED CORE 027 FL (HMO) | Devoted Health, Inc. | $0.00 | $3900.00 |
For the full county plan directory, see all Medicare plans in Lake County, Florida.
How to verify your doctors take this plan
Network participation changes throughout the year; we hold no provider-network data, so verify directly with these three sources before you decide:
- Open the plan's official Medicare.gov page and use its provider-directory link: Medicare.gov Plan Finder — H1099-025.
- Call the plan (Health First Shared Services, Inc.) using the member-services number listed on that plan page and ask whether each doctor, hospital, and pharmacy is in-network for 2026.
- Get free, unbiased help from your State Health Insurance Assistance Program (SHIP) — see free unbiased Medicare help from SHIP.
What H1099-025 means
CMS assigns every Medicare Advantage and Part D offering a plan identifier made of three parts. In H1099-025, the leading H marks the contract type (H = Medicare Advantage / Part C contract), the four digits 1099 are the contract number issued to the organization, and the three-digit 025 is the plan benefit package under that contract. The segment ID 0 identifies the service-area segment within the plan (0 = the default single segment).
Frequently asked questions
Is Health First Premier Access H1099-025 (HMO-POS) an HMO or PPO?
Health First Premier Access H1099-025 (HMO-POS) is an HMO-POS — a Health Maintenance Organization-style Medicare Advantage plan, meaning in-network care and referral rules generally apply.
Does Health First Premier Access H1099-025 (HMO-POS) include prescription drug coverage?
Yes — Health First Premier Access H1099-025 (HMO-POS) is a Medicare Advantage plan with prescription drug coverage (MA-PD) and a $200.00 annual Part D drug deductible for 2026.
What is the maximum out-of-pocket cost for Health First Premier Access H1099-025 (HMO-POS)?
The 2026 in-network maximum out-of-pocket limit for Health First Premier Access H1099-025 (HMO-POS) is $4500.00, per the CMS CY2026 Landscape file.
What counties offer Health First Premier Access H1099-025 (HMO-POS) (H1099-025)?
Health First Premier Access H1099-025 (HMO-POS) (H1099-025) is offered in seven Florida counties: Hernando County, Lake County, Orange County, Osceola County, Pasco County, Polk County, and Seminole County.
Sources
- CMS, Plan Year 2026 Medicare Advantage & Part D Landscape source file (March 2026) — retrieved 2026-07-18. Overall star rating year: 2026.
- Medicare.gov Plan Finder — compare plans and enroll.