Medicare Advantage

Delaware Medicare Advantage Plans for Chronic Conditions in 2027: 7 C-SNPs

DOVER — Delawareans living with certain long-term health conditions will have seven Chronic Condition Special Needs Plans (C-SNPs) to consider for 2027, according to the Centers for Medicare & Medicaid Services (CMS) Medicare Advantage Landscape Source File. These plans sit inside the broader Medicare Advantage menu in the state, which totals 38 plans for the coming year, and they are designed specifically for people whose care revolves around a qualifying chronic illness.

What is a C-SNP and who qualifies for one in Delaware?

A C-SNP is a type of Medicare Advantage plan built around a specific chronic condition, and in Delaware for 2027 you qualify by having that condition confirmed by a provider. CMS requires the plan to collect verification from your doctor or clinician — typically a signed form — that you live with the qualifying illness the plan is designed to serve. Common examples across the country include diabetes, chronic heart conditions, and chronic lung disorders, though the specific condition depends on each plan.

Because C-SNPs tailor their care model to one condition, they are not for everyone on Medicare. If the verification does not come through, enrollment cannot stand. A C-SNP also includes Part D drug coverage; all seven Delaware C-SNPs for 2027 include drug coverage.

How many C-SNPs are offered in Delaware for 2027 and which carriers offer them?

Delaware has 7 C-SNPs for 2027, offered by four carriers: Aetna (CVS Health) with 2 plans, Devoted Health with 2 plans, HealthSpring with 1 plan, and UnitedHealthcare with 2 plans. These sit alongside 6 Dual Eligible Special Needs Plans (D-SNPs) and 1 Institutional Special Needs Plan (I-SNP) in the state's Special Needs Plan lineup.

The full plan-by-plan list — including plan type (HMO, HMO-POS, or PPO) and the number of Delaware counties each plan covers — is shown in the table on this page. One plan on the Devoted Health side, DEVOTED C-SNP CHOICE GIVEBACK EXTRAS 004 DE, is new for the 2027 plan year.

Which chronic conditions are named in Delaware C-SNP plan names for 2027?

For Delaware's 7 C-SNPs in 2027, the plan names themselves do not call out a specific chronic condition. Names such as Aetna Medicare Chronic Care, Aetna Medicare Chronic Care Total, DEVOTED C-SNP CHOICE GIVEBACK EXTRAS 004 DE, DEVOTED C-SNP CHOICE PLUS 003 DE, HealthSpring Achieve, UHC Complete Care DE-4, and UHC Complete Care Support DE-5A describe the product line rather than the qualifying illness.

That means the condition each plan serves must be confirmed directly with the carrier or through the Medicare Plan Finder at medicare.gov. Do not assume a condition from a plan's branding; ask the carrier which chronic condition the plan is approved to serve, and confirm that your diagnosis matches before you apply.

Is there a Special Enrollment Period for Delawareans with a qualifying chronic condition?

Yes. People with a qualifying chronic condition have a Special Enrollment Period (SEP) that lets them enroll in a C-SNP outside the normal fall window, once eligibility is verified. The SEP is tied to the condition, not to the calendar, so a Delawarean who is newly diagnosed — or who newly learns a C-SNP is available in their county — generally has an opportunity to enroll without waiting for Annual Enrollment 2027.

The SEP ends once you are enrolled in a C-SNP. If you later want to switch, you would typically use the Annual Enrollment Period (October 15 – December 7, 2026, for coverage starting January 1, 2027) or another SEP you qualify for. CMS lists the full set of enrollment periods at medicare.gov.

How do I check whether a C-SNP is offered in my Delaware county for 2027?

Delaware's C-SNPs are offered county by county, so the first step is to check your specific county on the Medicare Plan Finder at medicare.gov using your ZIP code. A plan listed statewide in the CMS Landscape File may be offered in only one of Delaware's three counties — Kent, New Castle, or Sussex — and the county counts in the table on this page show how far each plan reaches.

For the 2027 lineup, some C-SNPs are offered in just 1 county while others are offered in all 3. Entering your ZIP code on medicare.gov filters the view to the plans actually sold where you live, and you can narrow further to Special Needs Plans. If a plan interests you, confirm the qualifying condition, the service area, and the plan's own documents — the Evidence of Coverage, pharmacy directory, and provider directory — before enrolling.

Where can Delawareans get free help comparing C-SNPs for 2027?

Free, unbiased help is available from Medicare itself. You can call 1-800-MEDICARE (1-800-633-4227), which operates 24 hours a day, 7 days a week, including TTY service at 1-877-486-2048, and speak with a representative about Special Needs Plans in Delaware.

You can also use the Medicare Plan Finder at medicare.gov to compare plans side by side, read each plan's Summary of Benefits and Evidence of Coverage, and check provider and drug lists. The carriers themselves — Aetna (CVS Health), Devoted Health, HealthSpring, and UnitedHealthcare — can confirm whether a specific plan is accepting enrollments in your county and what condition verification they require.