Medicare Advantage

Before You Pick a D-SNP in Jacksonville: Read This

Duval County has 87 Medicare Advantage plans for 2027. Compared with 2026, 18 plans are not coming back, 15 are new, and 48 continuing plans changed in some way you should check before December 7, 17 of them under a new name. This guide covers what those numbers mean for Jacksonville, not which plan to pick.

JACKSONVILLE, Fla. — For people in Jacksonville who have both Medicare and Florida Medicaid, the Dual Special Needs Plan (D-SNP) lineup for 2027 is set. Jacksonville is in Duval County, where 24 D-SNPs will be offered next year from seven carriers, with some plans new, some renamed, and the rest returning. The Annual Enrollment Period runs Oct. 15 – Dec. 7, 2026, and any change you make now takes effect Jan. 1, 2027 — but if you qualify as a "dual eligible," you also have more chances to switch than most people.

What a D-SNP is, in plain terms

A Dual Special Needs Plan is a type of Medicare Advantage plan built for people who have Medicare and also get help from Medicaid. Every D-SNP in Duval County includes prescription drug coverage, and each one coordinates with Florida Medicaid in some way — some tightly, some loosely, depending on the plan design.

D-SNPs are not the only kind of Special Needs Plan. For 2027, Duval County also has 14 Chronic Condition SNPs (C-SNPs) and 7 Institutional SNPs (I-SNPs). Those are for different situations and are not the focus here.

Who qualifies: full vs. partial dual eligibility

To join a D-SNP, you must have Medicare (Part A and Part B) and also qualify for Medicaid in Florida. There are two broad groups:

• Full dual eligible. You have Medicare and full Florida Medicaid benefits. Medicaid may help with Medicare cost sharing and also cover services Medicare does not, like long-term services and supports.
• Partial dual eligible. You qualify for a Medicare Savings Program (such as QMB, SLMB or QI) that helps with Medicare premiums and sometimes cost sharing, but you do not get full Medicaid benefits.

Different D-SNPs are designed for different levels. For example, among the 2027 plans in Duval County, Aetna offers both Aetna Medicare Full Dual Select (HMO D-SNP) and Aetna Medicare Partial Dual Select (HMO D-SNP), and Devoted Health offers DEVOTED DUAL QMB 052 FL (HMO D-SNP) alongside DEVOTED DUAL FULL 083 FL (HMO D-SNP). The plan you can enroll in depends on the Medicaid category Florida has you in — so your eligibility level is the first thing to confirm.

The Florida Department of Children and Families and the Agency for Health Care Administration determine Medicaid eligibility; your Medicaid card or notice shows your category.

The 2027 D-SNP lineup in Duval County

Duval County has 24 D-SNPs for 2027 across seven carriers. The table below lists every plan. By carrier, the counts are:

• Aetna (CVS Health): 2
• Centene (WellCare): 3
• Devoted Health: 3
• Elevance Health (Anthem): 2
• Florida Complete Care: 1
• Humana: 7
• UnitedHealthcare: 6

Several plans are new for 2027, including Wellcare Sunshine Health Dual Access (HMO-POS D-SNP), Wellcare Sunshine Health Dual Align (HMO D-SNP), Simply Complete Platinum (HMO D-SNP), Simply Integrated Platinum (HMO D-SNP), Florida Complete Care-Duals VIP (HMO-POS D-SNP), Humana Dual Integrated (PPO D-SNP) and UHC Dual Complete FL-Y5 (HMO-POS D-SNP). Others have been renamed — for example, several of UnitedHealthcare's UHC Dual Complete plans carry new plan IDs for 2027, and some Humana D-SNPs now use the "Dual Select" name. If your plan was renamed, your coverage doesn't automatically change, but you should read your Annual Notice of Change (ANOC) for the specifics.

How often you can change plans

Most people with Medicare can only change plans during the Annual Enrollment Period (Oct. 15 – Dec. 7) or the Medicare Advantage Open Enrollment Period (Jan. 1 – March 31). Dual-eligible members have more flexibility:

• If you have Medicaid or qualify for Extra Help with Part D, you generally get a monthly Special Enrollment Period to join an integrated D-SNP or to move to Original Medicare with a stand-alone Part D plan.
• You can also change plans when your eligibility status changes — for example, if you gain, lose or change your Medicaid category.

The exact rules on these Special Enrollment Periods have been updated by CMS in recent years, so confirm what applies to your situation by calling 1-800-MEDICARE (TTY 1-877-486-2048) before you make a move.

How to confirm your eligibility

Three practical steps:

1. Confirm your Medicaid level with Florida. Call the Florida Medicaid Choice Counseling line (1-877-711-3662) or check your account at myaccess.myflfamilies.com. You want to know whether you have full Medicaid, QMB, SLMB or QI. 2. Confirm your Medicare status. Sign in at medicare.gov or call 1-800-MEDICARE to verify you have Part A and Part B. 3. Compare D-SNPs that match your level. Use the Medicare Plan Finder at medicare.gov to see which Duval County D-SNPs you can actually join, since some are limited to certain dual categories.

What else is changing for 2027

Two Part D figures are already set for next year and apply to the drug coverage inside a D-SNP:

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

The 2027 Part B standard premium and deductible, and the 2027 IRMAA income brackets, have not yet been announced; CMS typically publishes those in the fall. For many dual-eligible members, Medicaid helps with the Part B premium — another reason to keep your Medicaid status current.

If you do nothing during the fall window, your current plan renews for 2027 if it's still offered, with any changes spelled out in the ANOC the plan mails you.