Medicare Advantage

Indiana Medicare Advantage Plans for Chronic Conditions in 2027: 21 C-SNPs

INDIANAPOLIS — Hoosiers living with certain long-term health conditions will have 21 Chronic Condition Special Needs Plans (C-SNPs) to consider for 2027, out of 140 Medicare Advantage plans offered somewhere in Indiana, according to the federal Medicare Advantage Landscape files for the coming plan year. Whether any one of those 21 plans is available where a reader lives depends on the county.

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

A Chronic Condition Special Needs Plan is a type of Medicare Advantage plan limited to people who have a specific severe or disabling chronic condition on the federal list, and enrollment requires that a provider verify the diagnosis. Without that verification, a person is not eligible to stay enrolled.

C-SNPs are built around the condition they serve: the provider network, the drug formulary and the care-coordination features are designed with that diagnosis in mind. Someone considering a C-SNP in Indiana should expect the plan to ask for confirmation from a treating clinician before coverage begins or shortly after.

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

For 2027, Indiana has 21 C-SNPs out of 140 Medicare Advantage plans offered somewhere in the state. The other Special Needs Plan categories in Indiana are 12 Dual Eligible SNPs (D-SNPs) and 9 Institutional SNPs (I-SNPs).

Five carriers offer C-SNPs in Indiana for 2027: Aetna (CVS Health) with 4 plans, Devoted Health with 9, Humana with 1, UnitedHealthcare with 1, and Zing Health with 6. That statewide count treats each plan once, even though a single plan may be sold in only a handful of counties or across most of the state. The full plan-by-plan list, with the counties where each is offered, is in the tables on this page.

Which chronic conditions do Indiana C-SNP names mention for 2027?

Only some of the 21 plans name a condition in the plan title itself, and the rules for this article allow those conditions to be mentioned only when the plan's own name states them. For 2027 in Indiana, the plan names that call out a condition are:

• Humana Gold Plus - Diabetes and Heart (HMO C-SNP)
• Zing Elite Diabetes & Heart IN (HMO C-SNP)
• Zing Elite Essentials Diabetes & Heart IL-IN (HMO C-SNP)
• Zing Open Choice Diabetes & Heart IN (PPO C-SNP)
• Zing Select Diabetes & Heart IN (HMO C-SNP)
• Zing Select Dialysis IN (HMO C-SNP)

Other C-SNPs in Indiana — including the Aetna Medicare Chronic Care and Chronic Care Total plans, the Devoted C-SNP Choice plans, UHC Complete Care IN-21, and Zing Elite Balance IN-MI — do not state a condition in the name. For those, a reader should confirm which condition the plan is designed to serve by calling the carrier or using the Medicare Plan Finder before assuming eligibility.

The 21 total also includes four plans flagged as new for 2027: two Aetna Medicare Chronic Care (HMO C-SNP) plans, the four Devoted C-SNP Choice Giveback Extras plans (019, 020, 021 and 022), and Zing Elite Balance IN-MI (HMO C-SNP). Four Devoted plans have been renamed from "Choice Premium" to "Choice Enhanced" (014, 015, 016 and 017 IN) but kept the same plan identifier.

When can an Indiana resident with a qualifying condition enroll in a C-SNP?

Anyone can use the Annual Enrollment Period from October 15 through December 7, 2026, for coverage that starts January 1, 2027. In addition, a person with a qualifying chronic condition has a Special Enrollment Period that lets them join a matching C-SNP outside the fall window, once a provider confirms the diagnosis.

That Special Enrollment Period is tied to the condition itself: it opens when the person becomes eligible for a C-SNP that covers their diagnosis, and it generally ends once they enroll. If a C-SNP member no longer meets the condition requirement, there is also a grace period and a separate Special Enrollment Period to move to another Medicare Advantage plan or back to Original Medicare. The specific timing is set by the Centers for Medicare & Medicaid Services and can be confirmed at medicare.gov or by calling 1-800-MEDICARE.

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

Availability in Indiana is county by county, so a reader should check their own ZIP code before assuming any of the 21 statewide C-SNPs is sold where they live. The Devoted C-SNP Choice Plus 013 IN plan is listed in 70 counties and Humana Gold Plus - Diabetes and Heart in 91 counties, while several Zing and Aetna plans are listed in only 2 counties — the county-level tables on this page show each plan's footprint.

The most reliable way to confirm is the Medicare Plan Finder at medicare.gov, which filters plans by ZIP code and by Special Needs Plan type, or a call to 1-800-MEDICARE. Plan details — premiums, deductibles, copays, drug lists, provider networks and star ratings — come from the Plan Finder, from 1-800-MEDICARE, or from each plan's own Evidence of Coverage and provider and pharmacy directories. This article does not quote any of those figures.

Where can an Indiana resident get free help comparing C-SNPs for 2027?

Free, official help with Medicare questions in Indiana comes from two federal sources: medicare.gov, which hosts the Plan Finder and the enrollment tools, and 1-800-MEDICARE (TTY 1-877-486-2048), which is staffed 24 hours a day, seven days a week. Both can confirm whether a specific plan covers a specific condition, and whether it is offered in a specific county for 2027.

A person who is not yet enrolled in Medicare, or who has questions about eligibility and premiums, can also contact the Social Security Administration.