Medicare Advantage

Living with a chronic condition in Gilbert? Here are the 2027 C-SNP choices in Maricopa County

Maricopa County has 92 Medicare Advantage plans for 2027. Compared with 2026, 13 plans are not coming back, 17 are new, and 33 continuing plans changed in some way you should check before December 7, 13 of them under a new name. This guide covers what those numbers mean for Gilbert, not which plan to pick.

GILBERT, Ariz. — If you live with a long-term condition such as diabetes, heart disease, chronic lung disease or end-stage kidney disease, Medicare offers a type of Advantage plan built around you. For 2027, Maricopa County — the county Gilbert sits in — will have 25 Chronic Condition Special Needs Plans (C-SNPs) from 11 carriers, according to the CMS Medicare Advantage Landscape Source File for the coming plan year.

The 2027 lineup takes effect January 1, 2027. The Annual Enrollment Period to pick a plan runs October 15 through December 7, 2026.

What is a C-SNP, and how is it different from a regular Medicare Advantage plan?

A Chronic Condition Special Needs Plan is a type of Medicare Advantage plan that only enrolls people who have a specific chronic illness. CMS allows C-SNPs for 15 condition categories, including diabetes, cardiovascular disorders, chronic heart failure, chronic lung disorders, and end-stage renal disease, among others.

Because every member shares a condition, the plan can shape its drug list, care management and provider network around that illness. All C-SNPs in Maricopa County for 2027 include Part D prescription drug coverage. Like other Medicare Advantage plans, they replace Original Medicare while you are enrolled, and you still pay your Part B premium.

How many C-SNPs will be offered in Gilbert for 2027, and from which carriers?

Gilbert is in Maricopa County, where CMS lists 25 C-SNPs for plan year 2027 — part of a broader Special Needs lineup that also includes 10 Dual Eligible plans (D-SNPs) and 5 Institutional plans (I-SNPs).

The 11 carriers offering C-SNPs in the county for 2027, in alphabetical order, are:

• Aetna (CVS Health) — 1 plan
• Alignment Health Plan — 3 plans
• Centene (WellCare) — 1 plan
• Devoted Health — 6 plans
• Elevance Health (Anthem) — 2 plans
• Gold Kidney Health Plan — 4 plans
• HealthSpring — 1 plan
• Humana — 2 plans
• SCAN Health Plan — 3 plans
• UnitedHealthcare — 1 plan
• Verda Health Plan of Arizona — 1 plan

The table below lists every C-SNP by carrier and plan type. Several are new for 2027, including Aetna Medicare Chronic Care, three new Devoted Health C-SNPs (DEVOTED C-SNP ENHANCED 092 AZ, DEVOTED C-SNP GIVEBACK EXTRAS 104 AZ and DEVOTED C-SNP PLUS 093 AZ), Gold Dialysis Premier from Gold Kidney Health Plan, and two new SCAN plans (SCAN DaVita Dialysis Care Complete and SCAN Walmart Medicare Complete). A few Alignment and Devoted plans have been renamed; the Annual Notice of Change (ANOC) from each carrier spells out what, if anything, is different for current members.

Who qualifies for a C-SNP in Gilbert, and how is the diagnosis confirmed?

To enroll in a C-SNP, you must have the chronic condition the plan is built for, and your provider must confirm it in writing. Plans use a short form, sometimes called a pre-enrollment qualification form, that the carrier sends to your doctor. If your provider cannot verify the condition within a set window (generally about a month after you sign up), the plan has to end your enrollment.

A couple of practical points for Gilbert readers:

• Only sign up for a C-SNP that matches a condition you actually have. If the plan name mentions a condition, that is the condition it covers; this article does not infer any condition that is not in the plan name.
• Keep a copy of the confirmation. If you switch to a different C-SNP later, the new plan will need its own verification.

When can I join a C-SNP — do I have to wait for fall enrollment?

No. People with a qualifying chronic condition get a Special Enrollment Period (SEP) that lets them join a C-SNP outside the normal fall window. The SEP is available once you have the qualifying diagnosis, and you can use it to enroll in a C-SNP in your area.

You can also enroll, switch or drop a C-SNP during:

• The Annual Enrollment Period, October 15 – December 7, 2026, for coverage starting January 1, 2027.
• The Medicare Advantage Open Enrollment Period, January 1 – March 31, 2027, if you are already in a Medicare Advantage plan.

If you do nothing during fall enrollment, your current plan simply renews for 2027 if it is still offered — with any changes described in that plan's ANOC.

What else is changing for 2027 that affects C-SNP members?

Because every Maricopa County C-SNP for 2027 includes drug coverage, two Part D figures CMS has already published matter:

• The Part D out-of-pocket cap rises to $2,400 in 2027 (up from $2,100 in 2026).
• The Part D maximum deductible rises to $700 in 2027 (up from $615 in 2026).

The 2027 Part B standard premium and deductible, and the 2027 IRMAA income brackets, had not been announced as of September 2026; CMS typically releases them later in the fall. The Medicare Prescription Payment Plan, which lets you spread drug costs across the year in monthly bills, remains available.

Where should I look up plan details for Gilbert?

Use the Medicare Plan Finder at medicare.gov to compare specific C-SNPs by ZIP code, see each plan's drug list and provider network, and estimate your out-of-pocket costs with your medications. You can also call 1-800-MEDICARE (TTY 1-877-486-2048), 24 hours a day, seven days a week. For the fine print on any specific plan, ask the carrier for the Evidence of Coverage and provider and pharmacy directories.