Medicare Advantage

Indianapolis Medicare Advantage C-SNPs for 2027: who qualifies and how to enroll

For 2027, Indianapolis is looking at 79 Medicare Advantage plans: 15 new, 14 gone since 2026, and 29 still here but changed on premium, deductible, plan type or name, 7 of them under a new name. Below, how the lineup shifted in Marion County and what to compare, with no plan ranked or recommended.

INDIANAPOLIS — As the fall 2026 Annual Enrollment Period opens, people in Marion County managing a long-term illness have a specific slice of the Medicare Advantage market to look at: Chronic Condition Special Needs Plans, or C-SNPs. For plan year 2027, 13 of the 79 Medicare Advantage plans offered in Marion County are C-SNPs, built for members with a qualifying chronic diagnosis confirmed by a provider.

The Annual Enrollment Period runs October 15 through December 7, 2026, and any change made in that window takes effect January 1, 2027.

What a C-SNP actually is

A Chronic Condition Special Needs Plan is a type of Medicare Advantage plan designed around one chronic illness or a defined group of related conditions. Like other Medicare Advantage plans, a C-SNP replaces Original Medicare as the way you get your Part A and Part B benefits, and every C-SNP available in Marion County for 2027 includes Part D prescription drug coverage.

What makes a C-SNP different is who can join. Enrollment is limited to people who have the qualifying diagnosis the plan is built around. The plan's care team, drug list and provider network are shaped around that condition. The specific conditions each plan serves, along with costs, networks and covered drugs, are in the plan's own materials on medicare.gov.

The 13 C-SNPs available in Marion County for 2027

The table on this page lists every Medicare Advantage plan in the county. The C-SNPs for 2027, in alphabetical order by carrier, are:

• Aetna (CVS Health) — Aetna Medicare Chronic Care (HMO C-SNP), new for 2027; Aetna Medicare Chronic Care Total (HMO C-SNP)
• Devoted Health — DEVOTED C-SNP CHOICE ENHANCED 014 IN (PPO C-SNP), renamed from DEVOTED C-SNP CHOICE PREMIUM 014 IN; DEVOTED C-SNP CHOICE GIVEBACK EXTRAS 022 IN (PPO C-SNP), new for 2027; DEVOTED C-SNP CHOICE PLUS 013 IN (PPO C-SNP)
• Humana — Humana Gold Plus - Diabetes and Heart (HMO C-SNP)
• UnitedHealthcare — UHC Complete Care IN-21 (HMO-POS C-SNP)
• Zing Health — Zing Elite Balance IN-MI (HMO C-SNP), new for 2027; 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)

For context, Marion County's broader 2027 Special Needs Plan picture also includes 12 Dual Eligible SNPs (D-SNPs) for people with both Medicare and Medicaid, and 9 Institutional SNPs (I-SNPs), typically for people living in a nursing facility.

Enrollment requires a provider to confirm the diagnosis

Signing up for a C-SNP is not a self-attestation. The plan has to verify that you have the qualifying chronic condition it covers. In practice, that means your doctor or another treating provider fills out a short form, or the plan contacts the provider directly, to confirm the diagnosis.

Medicare gives the plan a window to get that verification done after you apply. If the diagnosis cannot be confirmed, the enrollment does not go through. It is a good idea to have your provider's name and contact information ready when you call or apply, and to let the office know a verification request may be coming.

The Special Enrollment Period for a qualifying condition

Most people make Medicare Advantage changes during the October 15 – December 7 Annual Enrollment Period. People who qualify for a Special Needs Plan have more flexibility.

If you are newly diagnosed with a condition a C-SNP covers, you generally get a Special Enrollment Period that lets you join a C-SNP outside the fall window. You can also switch from one C-SNP to another if your situation changes. These SEPs have their own rules about when the coverage starts and how often you can use them, so medicare.gov or 1-800-MEDICARE can confirm the exact dates for your case.

If you later lose eligibility — for example, the plan can no longer verify the qualifying condition — Medicare gives you a grace period to move to another Medicare Advantage plan or back to Original Medicare without a gap.

What is changing in Marion County for 2027

Across the full Medicare Advantage lineup in Marion County, 15 plans are new for 2027, 14 are not returning, and 7 have been renamed. Current members of a plan that is returning do not have to do anything; coverage renews automatically on January 1, 2027. The Annual Notice of Change (ANOC) your plan mailed in September spells out what is different for next year — the drug list, the provider network, the cost shares and the extras — and it is worth reading before the December 7 deadline even if you plan to stay put.

A few 2027 program-level figures are already set by CMS: the Part D out-of-pocket cap rises to $2,400 (up from $2,100 in 2026), and the Part D maximum deductible rises to $700 (up from $615 in 2026). The 2027 Part B standard premium and deductible, and the 2027 IRMAA income brackets, have not been announced yet; CMS typically publishes those in the fall.