Medicare Advantage

Jacksonville Medicare Advantage C-SNPs for 2027: how chronic condition plans work and who can join

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 — For Medicare shoppers in Duval County who live with a serious ongoing illness, the 2027 plan year brings 14 Chronic Condition Special Needs Plans (C-SNPs) to choose from — a slice of Medicare Advantage built specifically for people with a qualifying diagnosis. The Annual Enrollment Period runs Oct. 15 through Dec. 7, 2026, and any change you make takes effect Jan. 1, 2027.

C-SNPs are not open to everyone. They are a type of Medicare Advantage plan designed around one or more chronic conditions, and you need a provider to confirm the diagnosis before you can enroll. If you qualify, you also get a Special Enrollment Period, which means you do not have to wait for the fall window to join.

How a C-SNP works

A Chronic Condition Special Needs Plan is a Medicare Advantage plan — so it bundles Part A, Part B, and (in every C-SNP offered in Duval County) Part D drug coverage into one plan. What makes a C-SNP different is who it serves and how it is built.

Each C-SNP is approved by CMS to serve people with specific chronic conditions, such as diabetes, chronic heart failure, chronic lung disorders, or end-stage renal disease. The plan's provider network, drug list and extra benefits are tailored around managing that condition. Most C-SNPs also include care coordination to help you keep up with specialists, medications and follow-ups.

Because the plan is condition-specific, enrollment is condition-specific too. The insurer must confirm your qualifying diagnosis with your provider, usually through a short form your doctor's office signs. If the diagnosis cannot be verified within the time CMS allows, the enrollment does not stand.

Who can join, and when

You can join a C-SNP if:

• You have both Medicare Part A and Part B.
• You live in the plan's service area (for the plans listed here, that is Duval County).
• You have a chronic condition the plan is approved to cover, and your provider confirms it.

A qualifying diagnosis also triggers a Special Enrollment Period for Special Needs Plans. In plain terms, you do not have to wait for Oct. 15 – Dec. 7 to enroll in — or switch — a C-SNP once you qualify. If your condition changes or you lose eligibility, you also get a window to move into a different plan.

The 14 C-SNPs in Duval County for 2027

The table below lists every C-SNP available in Duval County for 2027, with its carrier and plan type. Four carriers offer C-SNPs here: Aetna (CVS Health) with 1 plan, Devoted Health with 2, Gold Kidney Health Plan with 5, and Humana with 6.

Listed alphabetically by carrier:

• Aetna (CVS Health): Aetna Medicare Chronic Care (HMO C-SNP)
• Devoted Health: DEVOTED C-SNP ENHANCED 071 FL (HMO C-SNP) — renamed from DEVOTED C-SNP PREMIUM 071 FL; DEVOTED C-SNP PLUS 090 FL (HMO C-SNP)
• Gold Kidney Health Plan: Gold Dialysis & Kidney (HMO-POS C-SNP); Gold Dialysis & Kidney Complete (HMO-POS C-SNP); Gold Heart & Diabetes (HMO-POS C-SNP); Gold Heart & Diabetes Complete (HMO-POS C-SNP); Gold Heart & Diabetes Plus (HMO-POS C-SNP) — new for 2027
• Humana: CareBreeze (HMO C-SNP); CareBreeze Platinum (HMO C-SNP); CareComplete (HMO C-SNP); CareComplete Platinum (HMO C-SNP); Humana Gold Plus - Diabetes and Heart (HMO C-SNP); Humana Gold Plus Lung (HMO C-SNP)

A plan name only tells you the broad condition group it is approved for when the name itself says so (for example, a plan with "Diabetes and Heart" or "Lung" in the name). For every other plan, you will need to confirm which conditions qualify by checking the plan's materials, calling the carrier, or looking at the Medicare Plan Finder at medicare.gov.

C-SNPs are one slice of a bigger Special Needs Plan picture in Duval County. For 2027, the county also has 24 Dual Eligible Special Needs Plans (D-SNPs), for people with both Medicare and Medicaid, and 7 Institutional Special Needs Plans (I-SNPs), for people living in nursing homes or needing a similar level of care.

Costs and rules that apply to all C-SNPs in 2027

Because a C-SNP is a Medicare Advantage plan with Part D drug coverage, the Part D rules that take effect in 2027 apply:

• The Part D out-of-pocket cap is $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 Medicare Prescription Payment Plan — the option to spread your drug costs across the year in level monthly payments — continues.
• The 2027 Part B standard premium and deductible, and the 2027 IRMAA income brackets, have not yet been announced. CMS typically publishes them in the fall.

Plan-specific costs — premiums, copays, deductibles, provider networks and drug lists — vary by plan and are set by the carrier. Those are in each plan's Summary of Benefits and Evidence of Coverage on the carrier's site, or on the Plan Finder.

What to do between now and Dec. 7

If you are already in a C-SNP in Duval County, your plan's Annual Notice of Change (ANOC) arrived in September. Read it. It shows what changes between 2026 and 2027 — including anything that affects your drugs, your doctors, or the plan's name. (Across all Medicare Advantage plans in Duval County, CMS data shows 18 plans not returning for 2027, 15 new plans, and 17 renamed plans — so a name change does not always mean a benefits change, but it is worth checking.)

If you are newly diagnosed with a qualifying chronic condition, you do not have to wait for the Oct. 15 – Dec. 7 window. Your Special Enrollment Period lets you enroll in a C-SNP once your provider confirms the diagnosis.

If you are weighing a C-SNP against a general Medicare Advantage plan or Original Medicare with a Medigap and Part D plan, compare them side by side on the Medicare Plan Finder before you decide. Pay attention to the drug list, the specialist network, and any care coordination that comes with the plan.