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HomeMedicare AdvantageIllinoisMedicare and Medicaid in Illinois: 4 Dual Special Needs Plans for 2027

Medicare Advantage

Medicare and Medicaid in Illinois: 4 Dual Special Needs Plans for 2027

SPRINGFIELD, Ill. — For Illinoisans who qualify for both Medicare and Medicaid, the 2027 plan year brings a familiar lineup of coordinated coverage options. According to the CMS Medicare Advantage Landscape Source File for CY2027, Illinois will have 4 Dual Special Needs Plans (D-SNPs) available somewhere in the state, out of 139 Medicare Advantage plans offered statewide. They sit alongside 23 Chronic Condition SNPs (C-SNPs) and 3 Institutional SNPs (I-SNPs).

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Medicare + MedicaidIllinois
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Key takeaways

  • If you have both Medicare and full or partial Medicaid confirmed by the Illinois Medicaid agency, you may be eligible for a D-SNP in 2027.
  • Illinois will have 4 D-SNPs statewide for 2027, from Aetna (CVS Health), Centene (WellCare), Humana, and Molina Healthcare of Illinois.
  • Statewide availability is not the same as county availability; check your ZIP code on the Medicare Plan Finder at medicare.gov.
  • The Annual Enrollment Period runs October 15 – December 7, 2026, with coverage effective January 1, 2027, and dual-eligible members generally have additional chances to change plans during the year.

The four D-SNPs come from four carriers: Aetna (CVS Health), Centene (WellCare), Humana, and Molina Healthcare of Illinois. Each carrier offers one D-SNP, and each is listed as available in 102 Illinois counties. The point of this article is to explain what a D-SNP is, who qualifies, when you can change plans, and how to confirm what's actually offered where you live.

What a D-SNP is and who qualifies

A Dual Special Needs Plan is a type of Medicare Advantage plan built specifically for people who have both Medicare and Medicaid. All four of Illinois' 2027 D-SNPs are HMO D-SNPs and include drug coverage. These plans coordinate Medicare benefits (hospital, doctor, and in these cases prescription drug coverage) with the Medicaid benefits the state provides, so members don't have to piece the two programs together on their own.

Eligibility has two parts. First, you must be entitled to Medicare Part A and enrolled in Part B. Second, you must qualify for Medicaid in Illinois — either as a "full" dual eligible (receiving the full scope of Medicaid benefits) or as a "partial" dual eligible (receiving help with Medicare premiums or cost sharing through a Medicare Savings Program). The Illinois Medicaid agency — the Department of Healthcare and Family Services — is the office that confirms your Medicaid category. A D-SNP will verify that status before enrollment, and will check it periodically to make sure you still qualify.

If you lose Medicaid eligibility, D-SNPs typically allow a grace period while you work with the state to restore coverage. If it isn't restored in that window, you may be moved out of the plan. This is one more reason to keep your Medicaid renewal paperwork current with the state.

The statewide count and the carriers offering them

For 2027, CMS lists 4 D-SNPs in Illinois: Aetna Medicare FIDE (HMO D-SNP) from Aetna (CVS Health); Wellcare Meridian Dual Align (HMO D-SNP) from Centene (WellCare); Humana Dual Fully Integrated (HMO D-SNP) from Humana; and Molina Medicare Complete Care Plus (HMO D-SNP) from Molina Healthcare of Illinois. The full plan-by-plan details, including the counties each one serves, are shown in the tables elsewhere on this page.

A few things worth noting about this list. All four plans are categorized as HMO D-SNPs that include Part D drug coverage. Each is marked as offered in 102 Illinois counties, but "offered somewhere in the state" is not the same as "offered in your county." Illinois has 102 counties total, and county-level service areas can differ from the statewide total in any given year, so your personal choices depend on your ZIP code.

This article does not compare premiums, cost sharing, provider networks, drug lists, extra benefits, or star ratings for any of these plans. Those details live in each plan's Evidence of Coverage and in the Medicare Plan Finder, and they can change from year to year.

How often a dual-eligible person can change plans

Most people with Medicare use the Annual Enrollment Period — October 15 through December 7, 2026 — to pick or switch a plan for 2027. Choices made during that window take effect January 1, 2027.

Dual-eligible members typically have more flexibility. Under current Medicare rules, people who have both Medicare and Medicaid generally qualify for a Special Enrollment Period that lets them make a change once per calendar quarter during the first three quarters of the year (January–March, April–June, and July–September). In the fourth quarter, changes are made through the regular Annual Enrollment Period. There is also a Medicare Advantage Open Enrollment Period from January 1 through March 31 for people already in a Medicare Advantage plan.

Exact Special Enrollment Period rules can be confirmed on medicare.gov or by calling 1-800-MEDICARE.

Checking a plan in your county

The simplest way to see which of the four D-SNPs are actually offered where you live is to use the Medicare Plan Finder at medicare.gov. Enter your ZIP code, indicate that you have Medicaid, and the tool will narrow the results to the D-SNPs available in your county. You can also call 1-800-MEDICARE (TTY 1-877-486-2048), which operates 24 hours a day, seven days a week.

Before you enroll, it's worth asking the plan directly whether your doctors, hospitals, pharmacies, and regular prescriptions are covered under its network and formulary for 2027. The Evidence of Coverage and provider and pharmacy directories from the plan are the authoritative sources for those answers.

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For 2027, the Illinois D-SNP picture is compact: 4 plans, 4 carriers, available county by county. The dates to remember are October 15 – December 7, 2026, for the Annual Enrollment Period, with coverage starting January 1, 2027.

By the numbers

Medicare Part B premium, 2006–2026

The standard monthly Part B premium has climbed from $88.50 in 2006 to $202.90 in 2026. Hover any point for that year’s premium.

$0$50$100$150$200200820122016202020242026

Source: CMS. Standard premium shown; in some hold-harmless years many existing enrollees paid less. Confirm at Medicare.gov.

Medicare + Medicaid

Dual Special Needs Plans (D-SNP) across Illinois for 2027

CMS lists 4 D-SNPs across Illinois for 2027, alphabetically by carrier. A D-SNP is open to people who have both Medicare and Medicaid; the state Medicaid agency confirms the level of eligibility.

PlanTypeDrug coverageCounties
Aetna (CVS Health) 1 plan
Aetna Medicare FIDE (HMO D-SNP)HMO D-SNPYes102
Centene (WellCare) 1 plan
Wellcare Meridian Dual Align (HMO D-SNP)HMO D-SNPYes102
Humana 1 plan
Humana Dual Fully Integrated (HMO D-SNP)HMO D-SNPYes102
Molina Healthcare of Illinois 1 plan
Molina Medicare Complete Care Plus (HMO D-SNP)HMO D-SNPYes102

Source: CMS Medicare Advantage Landscape Source Files, plan years 2026 and 2027. Plans are offered county by county; a plan listed for the state may not be offered in your county. No plan is ranked or recommended; premiums, benefits, networks and star ratings are not shown. Plan details come from the Medicare Plan Finder at medicare.gov or the plan itself.

The 2027 choices, by type

HMO, PPO and Special Needs Plans across Illinois for 2027

139
Medicare Advantage plans
13
Carriers
44
HMO plans
24
HMO-POS plans
66
PPO plans
2
PFFS plans
4
Dual Special Needs (D-SNP)
23
Chronic-condition (C-SNP)
  • Aetna (CVS Health) 22 plans: HMO, HMO-POS, PPO
  • Blue Cross Blue Shield (HCSC) 2 plans: HMO, HMO-POS
  • Centene (WellCare) 7 plans: HMO, HMO-POS
  • Devoted Health 24 plans: HMO, PPO
  • Essence Healthcare 9 plans: HMO, PPO
  • HealthSpring 6 plans: HMO, HMO-POS, PPO
  • Humana 32 plans: HMO, PFFS, PPO
  • Longevity Health 1 plan: HMO
  • Medical Associates Health Plan, Inc. 3 plans: Cost
  • Molina Healthcare of Illinois 1 plan: HMO
  • Provider Partners Health Plans 1 plan: HMO
  • UnitedHealthcare 24 plans: HMO-POS, PPO
  • Zing Health 7 plans: HMO

HMO plans use a network and usually a primary-care doctor and referrals; HMO-POS plans add some out-of-network coverage; PPO plans also cover out-of-network care, at a higher share; PFFS plans pay any provider that accepts the plan’s terms. Special Needs Plans serve people with Medicare and Medicaid (D-SNP), certain chronic conditions (C-SNP) or living in an institution (I-SNP).

Source: CMS Medicare Advantage Landscape Source Files, plan years 2026 and 2027. Plans are offered county by county; a plan listed for the state may not be offered in your county. No plan is ranked or recommended; premiums, benefits, networks and star ratings are not shown. Plan details come from the Medicare Plan Finder at medicare.gov or the plan itself.

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When can you enroll? An interactive year

JFMAMJJASOND
October 15 – December 7 — anyone with Medicare can join, switch, or drop a Medicare Advantage or Part D plan. Changes take effect January 1.

Enrollment windows are federal and the same nationwide. Confirm your personal dates at Medicare.gov or 1-800-MEDICARE.

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The parts of Medicare

Part A covers inpatient hospital stays, skilled nursing facility care, hospice, and some home health care. Most people pay no premium for Part A.

Good to know

Frequently asked questions

Who qualifies for a D-SNP in Illinois in 2027?
People who have Medicare Parts A and B and who also qualify for Medicaid in Illinois — either full or partial dual eligibility — may enroll in a D-SNP. The Illinois Department of Healthcare and Family Services confirms your Medicaid category, and the plan verifies it before and during enrollment.
How many D-SNPs are available in Illinois for 2027, and from which carriers?
CMS lists 4 D-SNPs statewide for 2027, from Aetna (CVS Health), Centene (WellCare), Humana, and Molina Healthcare of Illinois. Each carrier offers one D-SNP, and availability varies by county.
When can I enroll or switch plans?
The Annual Enrollment Period runs October 15 – December 7, 2026, for coverage starting January 1, 2027. Dual-eligible members also generally have a Special Enrollment Period once per quarter in the first three quarters of the year, and a Medicare Advantage Open Enrollment Period from January 1 through March 31.
How do I find out which D-SNPs are offered in my county?
Use the Medicare Plan Finder at medicare.gov with your ZIP code, or call 1-800-MEDICARE (TTY 1-877-486-2048). Those sources show which of the four Illinois D-SNPs are available where you live for 2027.
Sources & further reading
  • CMS — MA Landscape Source File (plan-level availability by county)
  • CMS — MA Landscape Source Files, current and coming plan year (year-over-year comparison)
  • CMS — Medicare enrollment periods (medicare.gov)

For personalized answers, contact Medicare.gov or 1-800-MEDICARE.

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This page was last updated: October 2026.

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