Medicare Advantage

Can You Join a D-SNP in Allen County for 2027?

For 2027, Fort Wayne is looking at 64 Medicare Advantage plans: 16 new, 10 gone since 2026, and 18 still here but changed on premium, deductible, plan type or name, 6 of them under a new name. Below, how the lineup shifted in Allen County and what to compare, with no plan ranked or recommended.

FORT WAYNE, Ind. — For the 2027 plan year, people in Allen County who have both Medicare and Indiana Medicaid will see 12 Dual Special Needs Plans (D-SNPs) on the shelf, offered by three carriers. The lineup matters now because the Annual Enrollment Period runs October 15 through December 7, 2026, and any change made in that window takes effect January 1, 2027.

But if you are "dual eligible," you also have options outside that fall window — and that is one of the most useful things to know before you start comparing.

What is a D-SNP, and who in Fort Wayne qualifies?

A D-SNP is a Medicare Advantage plan built for people who have both Medicare and Medicaid. In Indiana, Medicaid is run through FSSA, and your Medicaid category decides whether you are "full" dual-eligible (Medicaid pays for a broad set of services) or "partial" dual-eligible (Medicaid helps pay Medicare premiums or cost-sharing through a Medicare Savings Program like QMB, SLMB or QI).

Each D-SNP is designed for a specific group of dual-eligible members. Some are for people with full Medicaid; some accept partial dual-eligible members; some are tied to a nursing-facility level of care. The plan's materials spell out which group it serves. If you are not sure which category you fall into, FSSA or 1-800-MEDICARE can confirm it.

Which D-SNPs are offered in Allen County for 2027?

Twelve D-SNPs are offered in Allen County for 2027, from three carriers: Elevance Health (Anthem) with 4 plans, Humana with 4 plans, and UnitedHealthcare with 4 plans. All 12 include Part D drug coverage. The table below lists every plan with its type.

In alphabetical order by carrier, the D-SNPs are:

• Anthem Dual Advantage (HMO D-SNP) — Elevance Health (Anthem)
• Anthem Full Dual Advantage (HMO D-SNP) — Elevance Health (Anthem)
• Anthem I PathWays Dual Care Advantage (HMO D-SNP) — Elevance Health (Anthem)
• Anthem I PathWays Dual Care Advantage NFLOC (HMO D-SNP) — Elevance Health (Anthem)
• Humana Dual Select H4939-002 (HMO-POS D-SNP) — Humana
• Humana Gold Plus SNP-DE H4939-003 (HMO-POS D-SNP) — Humana
• Humana PathWays Dual Care (HMO-POS D-SNP) — Humana
• Humana PathWays Dual Care NFLOC (HMO-POS D-SNP) — Humana (new for 2027)
• UHC Dual Complete IN-Q1 (PPO D-SNP) — UnitedHealthcare (renamed from UHC Dual Complete IN-D001)
• UHC Dual Complete IN-S002 (PPO D-SNP) — UnitedHealthcare
• UHC PathWays Dual Care IN-Y1 (PPO D-SNP) — UnitedHealthcare (renamed from UHC PathWays Dual Care IN-S1)
• UHC PathWays Dual Care IN-YL (PPO D-SNP) — UnitedHealthcare (renamed from UHC PathWays Dual Care IN-S3)

A few of these plans are new or renamed for 2027. A rename does not change the plan's contract number, but your Annual Notice of Change (ANOC) will show whether anything else is different. Allen County also has other Special Needs Plans that are not for dual-eligible members — 5 Chronic Condition SNPs and 8 Institutional SNPs — out of 64 total Medicare Advantage plans countywide.

How often can a dual-eligible person in Fort Wayne change plans?

If you have Medicaid or Extra Help, you generally get more chances to change plans than someone who only has Medicare. In addition to the fall Annual Enrollment Period, dual-eligible members typically have a monthly Special Enrollment Period to join an integrated D-SNP, or to leave Medicare Advantage for Original Medicare paired with a stand-alone Part D drug plan.

The exact rules have been updated in recent years, so before you make a change, check the current window with 1-800-MEDICARE or at medicare.gov. The Medicare Advantage Open Enrollment Period (January 1 – March 31) is also available if you are already in a Medicare Advantage plan and want to switch once or go back to Original Medicare.

How do I confirm my Medicaid eligibility and D-SNP eligibility?

Your Medicare status is confirmed by the Social Security Administration or 1-800-MEDICARE. Your Medicaid status — including whether you are full or partial dual-eligible — is confirmed by Indiana's Family and Social Services Administration (FSSA), which runs the state's Medicaid program. When you apply for a D-SNP, the plan verifies both.

If your Medicaid coverage changes or ends, the D-SNP has a grace period for you to get it reinstated. If it is not restored in time, you may be moved out of the D-SNP. That is why it is worth responding promptly to any renewal paperwork from FSSA.

What is changing for Medicare in 2027 that dual-eligible members should know?

Two Part D numbers are confirmed for 2027: the out-of-pocket cap rises to $2,400 (up from $2,100 in 2026), and the maximum Part D deductible is $700 (up from $615 in 2026). CMS also set the 2027 national base beneficiary premium at $41.33; that is a formula input used across the program, not a figure any one plan charges.

Many dual-eligible members qualify automatically for Extra Help, which lowers Part D costs well below those caps. CMS typically announces the 2027 Part B standard premium, Part B deductible and IRMAA income brackets in the fall, usually in November. Partial dual-eligible members whose Medicaid pays their Part B premium will not feel a Part B increase the same way someone paying out of pocket would.

What should I do during the fall window if I already have a D-SNP?

If you do nothing, your current plan renews for 2027 as long as it is still offered — just with any changes listed in its Annual Notice of Change (ANOC), which arrives by late September. Read the ANOC for your drug list, provider network, and extra benefits like dental, vision, transportation and over-the-counter allowances, since those vary year to year.

Across Allen County for 2027, 10 Medicare Advantage plans are not returning, 16 are new, and 6 have been renamed. If your plan is one of the ones leaving, you will get a non-renewal letter and a Special Enrollment Period to choose another plan.