Medicare Advantage

Kentucky Medicare Advantage Plans for Chronic Conditions in 2027: 15 C-SNPs

FRANKFORT, Ky. — Kentuckians living with a long-term health condition will have 15 Chronic Condition Special Needs Plans (C-SNPs) to consider for 2027, out of 123 Medicare Advantage plans listed statewide in the CMS Landscape files. The plans come from five carriers and are offered county by county, so what shows up on a Louisville screen may look different from a listing in Pikeville or Paducah.

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

What is a C-SNP and who qualifies for one in Kentucky in 2027?

A C-SNP is a type of Medicare Advantage plan built for people with a specific qualifying chronic condition, and you qualify when a provider confirms you have that condition. Enrollment is limited to beneficiaries whose diagnosis matches the condition the plan is designed to serve.

Like other Medicare Advantage plans, C-SNPs bundle Part A and Part B, and all 15 Kentucky C-SNPs for 2027 include drug coverage. The care model is typically organized around the targeted condition, which can mean coordinated services tailored to that diagnosis. The plan asks for verification of the condition — usually by contacting your doctor — before coverage begins or shortly after you enroll.

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

Kentucky has 15 C-SNPs for 2027, offered by five carriers: Aetna (CVS Health) with 3 plans, Devoted Health with 5, Elevance Health (Anthem) with 2, Humana with 3, and UnitedHealthcare with 2. These sit within a wider 2027 Kentucky landscape of 123 Medicare Advantage plans, which also includes 22 D-SNPs (for people with both Medicare and Medicaid) and 6 I-SNPs (for people living in or needing an institutional level of care).

The full plan-by-plan breakdown — including each plan's type (HMO, HMO-POS, or PPO), whether it is new or renamed for 2027, and the number of Kentucky counties where it appears — is rendered as a table on this page. County reach varies widely from plan to plan: some C-SNPs on the Kentucky list are offered in a single county, while others appear in more than 100 counties. Being on the statewide list does not mean a plan is sold in every county.

Which chronic conditions do the Kentucky C-SNP plan names call out for 2027?

Only a few of the 15 Kentucky C-SNPs name a condition directly in the plan name. Those that do are Anthem Kidney Care (HMO-POS C-SNP) from Elevance Health (Anthem), and three Humana plans — Humana Community HMO Diabetes and Heart (HMO C-SNP) and two plans named Humana Gold Plus - Diabetes and Heart (HMO C-SNP).

Where a plan name does not state a condition — for example, the Aetna Medicare Chronic Care plans, the Devoted Health C-SNP plans, Anthem Chronic Care Advantage, and the UHC Complete Care C-SNPs — the targeted condition is not inferred here. For the specific condition any particular plan is built around, check the plan's own materials, the Medicare Plan Finder, or 1-800-MEDICARE.

Is there a Special Enrollment Period for Kentuckians with a qualifying chronic condition?

Yes. People with a qualifying chronic condition can use a Special Enrollment Period (SEP) to join a C-SNP outside the Annual Enrollment Period, once a provider confirms the condition. That means a Kentuckian newly diagnosed in, say, March 2027 does not have to wait for the next fall enrollment window to join a C-SNP that serves that condition.

Separately, the Annual Enrollment Period of October 15 – December 7, 2026, is open to everyone with Medicare and is when most changes for January 1, 2027 coverage are made. The chronic-condition SEP is in addition to that window, not a replacement for it. Rules about how often the SEP can be used, and when it ends if a condition changes, are set by CMS; Medicare.gov and 1-800-MEDICARE can walk you through the specifics.

How do I check which C-SNPs are offered in my Kentucky county for 2027?

The reliable way to see which of Kentucky's 15 C-SNPs are offered in your county for 2027 is the Medicare Plan Finder at medicare.gov, which filters plans by ZIP code, or a call to 1-800-MEDICARE. County availability varies: for example, Humana Community HMO Diabetes and Heart (HMO C-SNP) is listed in one county, while Anthem Chronic Care Advantage (HMO C-SNP) and Anthem Kidney Care (HMO-POS C-SNP) are each listed in 120 counties, and Devoted Health's DEVOTED C-SNP CHOICE PLUS 004 KY (PPO C-SNP) is listed in 101.

When you look up a plan, you can also confirm the condition it serves, its network, its drug list, and its cost-sharing — details that are set by the plan and are not part of this explainer. The Evidence of Coverage and provider and pharmacy directories from the plan itself are the authoritative source for those details.

Where can Kentuckians get free help comparing C-SNPs for 2027?

Free, unbiased help is available year-round from Medicare directly: medicare.gov hosts the Plan Finder and plan documents, and 1-800-MEDICARE (TTY 1-877-486-2048) is staffed 24 hours a day, seven days a week. Both can confirm which of the 15 Kentucky C-SNPs are offered in a specific county and explain how the chronic-condition SEP works.

Have your Medicare number, your ZIP code, a list of your prescriptions, and your preferred doctors and pharmacies ready. That makes any Plan Finder comparison faster and more accurate.