Medicare Advantage

Do You Qualify for a C-SNP in Louisville for 2027?

Jefferson County has 67 Medicare Advantage plans for 2027. Compared with 2026, 13 plans are not coming back, 13 are new, and 23 continuing plans changed in some way you should check before December 7, 9 of them under a new name. This guide covers what those numbers mean for Louisville, not which plan to pick.

Louisville, Ky. — Fall 2026. If you live with a long-term health condition like diabetes, heart disease or chronic kidney disease, Medicare offers a specific type of Advantage plan built around that diagnosis. For 2027, Jefferson County — the county Louisville sits in — will have 8 Chronic Condition Special Needs Plans (C-SNPs) from five carriers, according to the CMS Medicare Advantage Landscape Source File for the 2027 plan year. The Annual Enrollment Period runs October 15 through December 7, 2026, and any change you make takes effect January 1, 2027.

What a C-SNP actually is

A Chronic Condition Special Needs Plan is a Medicare Advantage plan (Part C) that is limited by law to people who have a specific chronic illness. CMS defines a list of qualifying conditions — among them diabetes, chronic heart failure, cardiovascular disorders and chronic kidney disease. Every C-SNP includes Part D drug coverage, and the plan's benefits, drug list and care team are shaped around the condition it serves.

In practice, that often means the plan's formulary includes the medicines commonly used for that condition, and the care coordination is designed around it. The trade-off is that a C-SNP is only open to people who actually have the qualifying diagnosis.

The 8 C-SNPs offered in Jefferson County for 2027

The table below lists every Medicare Advantage plan available in the county. The eight C-SNPs, in alphabetical order by carrier, are:

• Aetna (CVS Health) — Aetna Medicare Chronic Care (HMO C-SNP) — new for 2027
• Devoted Health — DEVOTED C-SNP CHOICE ENHANCED 006 KY (PPO C-SNP) — renamed from DEVOTED C-SNP CHOICE PREMIUM 006 KY
• Devoted Health — DEVOTED C-SNP CHOICE GIVEBACK EXTRAS 008 KY (PPO C-SNP) — new for 2027
• Devoted Health — DEVOTED C-SNP CHOICE PLUS 004 KY (PPO C-SNP)
• Elevance Health (Anthem) — Anthem Chronic Care Advantage (HMO C-SNP) — new for 2027
• Elevance Health (Anthem) — Anthem Kidney Care (HMO-POS C-SNP)
• Humana — Humana Community HMO Diabetes and Heart (HMO C-SNP)
• UnitedHealthcare — UHC Complete Care KY-6 (HMO-POS C-SNP)

A plan's name sometimes tells you which condition it serves — Anthem Kidney Care and Humana Community HMO Diabetes and Heart are examples — but when the name doesn't say, you'll need to check the plan's own materials or Medicare's Plan Finder for the qualifying diagnosis.

For context, C-SNPs are one of three Special Needs Plan types. Jefferson County will also have 16 D-SNPs (for people with both Medicare and Medicaid) and 6 I-SNPs (for people who live in a long-term care setting) in 2027.

How you qualify — and the Special Enrollment Period

Three things are true of every C-SNP:

1. You need the diagnosis. You must have the specific chronic condition the plan is built for. 2. A provider has to confirm it. The plan will ask for written verification from a physician or other qualifying provider, usually within a short window after you enroll. If your provider can't confirm the condition, enrollment can be reversed. 3. You keep Original Medicare's basics. Like other Medicare Advantage plans, a C-SNP replaces the way you get Part A and Part B services, and it comes with Part D drug coverage.

Because of the diagnosis rule, people with a qualifying chronic condition get a Special Enrollment Period to join a C-SNP — you don't have to wait for the fall Annual Enrollment window. You can use that SEP once per calendar year to enroll in a C-SNP that fits your condition.

The Annual Enrollment Period (October 15 – December 7, 2026) is still the main time to review and switch any Medicare Advantage or Part D plan for 2027. Medicare Advantage Open Enrollment runs January 1 – March 31, 2027, for people already enrolled in a Medicare Advantage plan.

What's changing in Jefferson County for 2027

Across all Medicare Advantage plans in the county, CMS data show 13 plans not returning in 2027, 13 new plans, and 9 renamed plans. For C-SNPs specifically, three are new for 2027 (one each from Aetna, Devoted Health and Elevance Health) and one Devoted Health C-SNP has been renamed.

If you're already in a plan, your carrier mailed you an Annual Notice of Change (ANOC) in late September. That document spells out what's different about your plan for 2027 — premium, drug list, copays, provider network and extras. If you do nothing and your plan is offered again next year, it renews automatically on January 1, 2027.

Program figures to keep in mind for 2027

A few Medicare-wide numbers are already set for next year:

• Part D out-of-pocket cap: $2,400 in 2027 (up from $2,100 in 2026).
• Part D maximum deductible: $700 in 2027 (up from $615 in 2026).
• The Part D national base beneficiary premium for 2027 is $41.33 — that's a formula input Medicare uses, not what any specific plan charges.

CMS has not yet announced the 2027 Part B standard premium and deductible, or the 2027 IRMAA income brackets; those figures are usually published in November.

How to decide if a C-SNP fits

A C-SNP is worth a close look if you have one of the qualifying conditions and want a plan whose drug list and care coordination are organized around that illness. It's less of a fit if your condition is well-managed with a plan you're happy with, or if the C-SNPs in the county use networks or formularies that don't line up with your doctors and medicines.

Three practical steps:

• Confirm your diagnosis with your doctor and ask whether it qualifies under CMS's chronic condition list.
• Check the plan's drug list and provider network on medicare.gov's Plan Finder, using your actual prescriptions and doctors.
• Compare total expected costs — premium, deductible, copays and the Part D cap — not just the headline premium.