Medicare Advantage

Do You Have Both Medicare and Medicaid in Miami?

For 2027, Miami is looking at 101 Medicare Advantage plans: 16 new, 30 gone since 2026, and 61 still here but changed on premium, deductible, plan type or name, 20 of them under a new name. Below, how the lineup shifted in Miami-Dade County and what to compare, with no plan ranked or recommended.

MIAMI — For people in Miami who have both Medicare and Florida Medicaid, the 2027 plan year brings a wider set of Dual Special Needs Plans (D-SNPs) to consider, along with some familiar plan names that have been renamed. Miami is in Miami-Dade County, where the Centers for Medicare & Medicaid Services (CMS) lists 34 D-SNPs for 2027 from 11 carriers. If you are "dual eligible," the fall Annual Enrollment Period that runs October 15 through December 7, 2026 is one chance to review, but it is not your only one — people with Medicaid or Extra Help generally get extra opportunities to change during the year.

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 both Medicare and Medicaid. Every D-SNP in Miami-Dade County includes prescription drug coverage, and each one coordinates with Florida Medicaid in some way. Some D-SNPs are "fully integrated" or "highly integrated," which means the plan works more closely with your Medicaid benefits; others coordinate benefits more loosely. The plan's Evidence of Coverage spells out which model it uses.

D-SNPs are not the only Special Needs Plans in the county. For 2027, Miami-Dade County also has 20 Chronic Condition SNPs (C-SNPs), for people with specific long-term conditions, and 6 Institutional SNPs (I-SNPs), for people who live in nursing facilities or need that level of care. This article is about the D-SNPs.

Who qualifies: full vs. partial dual eligibility

To join a D-SNP, you must have Medicare Part A and Part B and also be enrolled in Medicaid in Florida. Within Medicaid, your "category" matters because D-SNPs are designed around it:

• Full-benefit dual eligible: You have Medicare and the full package of Florida Medicaid benefits.
• Partial dual eligible: Medicaid helps with Medicare costs through a Medicare Savings Program, such as the Qualified Medicare Beneficiary (QMB) program, but you do not get full Medicaid benefits.

You can see this split in the plan names themselves. For 2027, Aetna offers Aetna Medicare Full Dual Select (HMO D-SNP), a new Aetna Medicare Partial Dual Select (HMO D-SNP), and Aetna Medicare QMB Only Select (HMO D-SNP) (renamed from Aetna Medicare Dual Select). Devoted Health lists DEVOTED DUAL 019 FL, DEVOTED DUAL FULL 078 FL, and DEVOTED DUAL QMB 053 FL. Doctors HealthCare Plans has DrFullDual-SFL (HMO D-SNP) and a new DrPartialDual-SFL (HMO D-SNP). Each plan's materials describe exactly which Medicaid category it accepts.

The Florida Department of Children and Families and the Florida Agency for Health Care Administration determine your Medicaid category. If you are unsure what level you have, that is the office to call before you shop.

The 34 D-SNPs available in Miami-Dade County for 2027

The table on this page lists every D-SNP available in the county for 2027. The 11 carriers offering D-SNPs, in alphabetical order, are:

• Aetna (CVS Health) — 3 plans
• AmeriHealth Caritas VIP Care (HMO-D-SNP) — 1 plan
• Centene (WellCare) — 4 plans
• Devoted Health — 3 plans
• Doctors HealthCare Plans, Inc. — 2 plans
• Elevance Health (Anthem) — 3 plans
• Florida Complete Care — 1 plan
• Humana — 7 plans
• Leon Health, Inc. — 2 plans
• Solis Health Plans — 1 plan
• UnitedHealthcare — 7 plans

Several D-SNPs are new for 2027, including Aetna Medicare Partial Dual Select, Wellcare Sunshine Health Dual Access, Wellcare Sunshine Health Dual Align, Wellcare Sunshine Health Dual Align Unity, DrPartialDual-SFL, Simply Complete Platinum (from Elevance Health), and a PPO D-SNP version of Humana Dual Integrated. Others have been renamed — for example, the UnitedHealthcare "UHC Dual Complete" and "UHC Preferred Dual Complete" plans all carry new identifiers for 2027, and three Humana plans dropped the "Gold Plus" or "HumanaChoice" prefix in favor of "Humana Dual Select." The plan is the same contract from CMS's point of view, but the mailings will look different.

For costs, provider networks, drug lists and star ratings, use the Medicare Plan Finder at medicare.gov, call 1-800-MEDICARE, or read the plan's Evidence of Coverage.

How often a dual-eligible person can change plans

Most people with Medicare can only change Medicare Advantage or Part D coverage during the Annual Enrollment Period (October 15 – December 7) or the Medicare Advantage Open Enrollment Period (January 1 – March 31). People who are dual eligible or who get Extra Help with Part D have more flexibility.

Under current rules, dual-eligible and Extra Help enrollees generally get a monthly Special Enrollment Period that lets them either:

• enroll in or switch to an integrated D-SNP that aligns with their Medicaid plan, or
• drop Medicare Advantage and return to Original Medicare, picking up a stand-alone Part D plan.

CMS has been adjusting these special enrollment rules in recent years. Before you make a change, call 1-800-MEDICARE to confirm which SEP applies to your situation this month, and what the effective date would be.

How to confirm your eligibility

Three things to check before you choose a D-SNP:

1. Confirm your Medicaid status with Florida. Contact the Florida Department of Children and Families (myflfamilies.com or 1-866-762-2237) to confirm you are active and to learn your category (full Medicaid, QMB, SLMB, etc.). The plan you pick must match that category. 2. Confirm your Medicare status. Sign in at medicare.gov or call 1-800-MEDICARE to see your Part A and Part B effective dates and any current plan enrollment. 3. Check the plan against your doctors and drugs. Use the Medicare Plan Finder at medicare.gov to compare the D-SNPs in Miami-Dade County and see which include your providers and prescriptions. The site is also where plan documents live.

What is changing for 2027 across all Medicare plans

A few program-wide figures are set for next year and apply no matter which plan you choose:

• 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 Part D national base beneficiary premium for 2027 is $41.33 — this is a formula input, not the premium any specific plan charges.
• The 2027 Part B standard premium, Part B deductible, and IRMAA income brackets have not yet been announced. CMS typically publishes those in the fall, usually in November.

Across Miami-Dade County's broader Medicare Advantage market for 2027, CMS data show 30 plans are not returning, 16 are new, and 20 have been renamed. If your current plan is affected, the Annual Notice of Change your carrier mails in September will spell out what is different.