Medicare Advantage

Missouri Medicare Advantage Plans for Chronic Conditions in 2027: 18 C-SNPs

JEFFERSON CITY — For plan year 2027, Missouri residents who live with certain long-term health conditions will have 18 Chronic Condition Special Needs Plans (C-SNPs) to consider, out of 174 Medicare Advantage plans offered somewhere in the state, according to the CMS Medicare Advantage Landscape Source File. Each C-SNP is sold county by county, so the plans counted statewide are not all available in every ZIP code.

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

A C-SNP is a type of Medicare Advantage plan limited to people who have a specific severe or disabling chronic condition, and enrollment in Missouri requires a provider to verify that diagnosis. CMS defines a short list of qualifying conditions — examples include diabetes, chronic heart failure, cardiovascular disorders, chronic lung disorders and end-stage renal disease — and each plan picks the condition or group of conditions it serves. If a verification form is not returned by the deadline the plan gives, enrollment cannot stand.

Because C-SNPs are built around one condition set, their drug lists and care-management programs are typically shaped around that condition. That is useful information to ask about when you compare a specific plan on the Medicare Plan Finder or in the plan's own Evidence of Coverage.

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

Missouri's 2027 landscape includes 18 C-SNPs from five carriers: Aetna (CVS Health) with 3, Devoted Health with 11, Elevance Health (Anthem) with 1, Humana with 2, and UnitedHealthcare with 1. The full plan-by-plan list, including county counts and whether a plan is new or renamed for 2027, is rendered as a table elsewhere on this page.

A few notes from that table worth calling out. Several Devoted Health plans — the DEVOTED C-SNP ENHANCED 012, 013, 014 and 015 MO plans — were renamed from DEVOTED C-SNP PREMIUM for 2027. Devoted Health is also introducing new C-SNPs for 2027, including DEVOTED C-SNP CHOICE GIVEBACK EXTRAS 026 MO, DEVOTED C-SNP ENHANCED 027 MO, and the DEVOTED C-SNP GIVEBACK EXTRAS 017, 018, 021 and 029 MO plans. Aetna has one new Aetna Medicare Chronic Care (HMO C-SNP) entry for 2027 as well. Being new or renamed does not change what a C-SNP is; it only changes what appears on the 2027 shelf.

Which chronic conditions are named in the Missouri C-SNP plan names for 2027?

Only the two Humana plans in Missouri state a condition in their names: Humana Gold Plus - Diabetes and Heart (HMO C-SNP) and Humana Gold Plus - Diabetes and Heart (HMO-POS C-SNP). Both are offered in 5 counties in 2027.

The other plan names — from Aetna (CVS Health), Devoted Health, Elevance Health (Anthem) and UnitedHealthcare — do not spell out a condition in the name itself. To learn which condition any specific C-SNP serves, read the plan's Summary of Benefits or Evidence of Coverage, or ask on the Medicare Plan Finder at Medicare.gov or at 1-800-MEDICARE. The verification form the plan sends after you apply will reference the condition the plan is designed around.

Is there a Special Enrollment Period for Missourians with a qualifying condition?

Yes. People who are newly diagnosed with — or already have — a qualifying chronic condition generally have a Special Enrollment Period to join a C-SNP that fits that condition, separate from the Annual Enrollment Period. This SEP is tied to the diagnosis and to the plan's verification process, not to the calendar.

For everyone else, the standard calendar still applies: the Annual Enrollment Period runs October 15 through December 7, 2026, and a plan chosen during that window starts January 1, 2027. The Medicare Advantage Open Enrollment Period from January 1 through March 31, 2027 lets someone already in a Medicare Advantage plan make one change. If you think an SEP may apply to you, confirm it with 1-800-MEDICARE or on Medicare.gov before you drop current coverage.

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

Enter your ZIP code on 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. The Plan Finder will show which of the 18 Missouri C-SNPs are available at your address for 2027 and the condition each one requires.

County reach varies a lot in the statewide table on this page. Some C-SNPs are offered in a handful of counties — for example, the Aetna Medicare Chronic Care (HMO C-SNP) entries and the Anthem Chronic Care (HMO-POS C-SNP) are each listed in 3 counties, and one Aetna entry is listed in 8. Others reach much further: DEVOTED C-SNP PLUS 016 MO is listed in 81 counties, and UHC Complete Care MO-1 (PPO C-SNP) is listed in 115. A plan that appears on the statewide list may still not be sold in your specific county, which is why the ZIP code check matters.

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

Two no-cost, non-sales resources are available to every Missouri Medicare beneficiary. Medicare.gov hosts the official Plan Finder, the Star Ratings and each plan's Summary of Benefits. 1-800-MEDICARE (TTY 1-877-486-2048) can walk you through plans in your county, confirm whether a Special Enrollment Period applies, and start or cancel an enrollment.

Before you enroll in any C-SNP, ask the plan to send the chronic-condition verification form and ask your treating provider to complete it. Keep a copy of what you send and the date you sent it.