Medicare Advantage

Maine Medicare Advantage Plans for Chronic Conditions in 2027: 3 C-SNPs

AUGUSTA, Maine — For the 2027 plan year, Maine residents on Medicare who live with a qualifying chronic illness will see three Chronic Condition Special Needs Plans (C-SNPs) available somewhere in the state, according to the federal Medicare Advantage Landscape Source Files for CY2027. That's 3 of the 50 Medicare Advantage plans listed statewide. The other Special Needs Plans in Maine for 2027 include 14 Dual Eligible Special Needs Plans (D-SNPs) and 1 Institutional Special Needs Plan (I-SNP).

C-SNPs are a narrower category than general Medicare Advantage. They're built for people whose care revolves around a specific chronic diagnosis, and enrollment depends on a provider confirming that diagnosis. This explainer walks through what the three Maine C-SNPs are, who they're for, how timing works, and where to check whether any of them is actually offered in your county.

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

A C-SNP is a type of Medicare Advantage plan for people with a specific, documented chronic condition — for example, diabetes or certain cardiovascular conditions. To join one in Maine for 2027, you need Medicare Parts A and B, you must live in the plan's service area, and a provider has to verify that you have the qualifying condition the plan serves.

The idea behind the design is to focus the plan's care coordination, provider relationships, and drug coverage on the needs that come with that condition. If the diagnosis can't be verified, the plan can't keep you enrolled, so the condition check is central.

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

Three C-SNPs are offered somewhere in Maine for 2027, out of 50 Medicare Advantage plans listed statewide. Three carriers each offer one C-SNP: Elevance Health (Anthem), Humana, and UnitedHealthcare.

The three plans, in alphabetical order by carrier, are:

• Anthem | MaineHealth Chronic Care (HMO-POS C-SNP) from Elevance Health (Anthem) — new for 2027, offered in 2 counties
• Humana Gold Plus - Diabetes and Heart (HMO C-SNP) from Humana — offered in 4 counties
• UHC Complete Care ME-6 (HMO-POS C-SNP) from UnitedHealthcare — offered in 4 counties

A fuller table of plans appears elsewhere on this page. The county counts above come straight from the CMS Landscape file; because a plan is sold county by county, a plan listed statewide may not be sold where you live.

Which chronic conditions do the Maine C-SNP plan names mention for 2027?

Only one of the three C-SNP plan names in Maine for 2027 names its conditions outright: the Humana Gold Plus - Diabetes and Heart (HMO C-SNP), whose name identifies diabetes and heart conditions as its focus.

The other two plans — Anthem | MaineHealth Chronic Care (HMO-POS C-SNP) and UHC Complete Care ME-6 (HMO-POS C-SNP) — don't spell out a condition in their names, so this article won't guess at one. The authoritative place to confirm what qualifies you for any specific C-SNP is the plan's own Evidence of Coverage, the Medicare Plan Finder at medicare.gov, or 1-800-MEDICARE.

Is there a Special Enrollment Period for people with a qualifying chronic condition in Maine for 2027?

Yes. People who have a qualifying chronic condition generally get a Special Enrollment Period (SEP) to join a C-SNP, meaning they don't have to wait for the fall Annual Enrollment window. The SEP is tied to the diagnosis itself: once a provider verifies the qualifying condition, the SEP opens the door to enroll in a C-SNP that serves that condition and that is offered in your county.

For everyone else, the main window is Annual Enrollment 2027, which runs October 15 – December 7, 2026, with coverage starting January 1, 2027. Medicare Open Enrollment 2027 follows, January 1 – March 31, 2027, and allows certain changes for people already in a Medicare Advantage plan.

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

Use the Medicare Plan Finder at medicare.gov or call 1-800-MEDICARE (TTY 1-877-486-2048), 24 hours a day, 7 days a week. Enter your ZIP code and Maine county, and the tool will show which of the three C-SNPs — if any — are actually sold where you live for 2027.

This matters because a statewide count is not a county count. The Anthem | MaineHealth Chronic Care (HMO-POS C-SNP) is listed in 2 Maine counties; the Humana Gold Plus - Diabetes and Heart (HMO C-SNP) in 4; and the UHC Complete Care ME-6 (HMO-POS C-SNP) in 4. A reader in a county that isn't on any of those lists would see no C-SNP options at all, even though three exist statewide.

Where can Maine residents get free help comparing Medicare plans for 2027?

Free, official help is available two ways: online at medicare.gov and by phone at 1-800-MEDICARE (TTY 1-877-486-2048), around the clock. Both can walk you through what's available in your Maine county for 2027, including C-SNPs, D-SNPs, I-SNPs and general Medicare Advantage plans.

If you're weighing a C-SNP specifically, it helps to have your Medicare number, your ZIP code, your prescription list, and your provider's confirmation of the qualifying condition ready. For plan-specific details — premiums, cost-sharing, drug lists, provider networks and star ratings — the Medicare Plan Finder, 1-800-MEDICARE, and each plan's own Evidence of Coverage and provider and pharmacy directories are the authoritative sources.