Medicare Advantage

Henderson's 2027 Chronic Condition Special Needs Plans: who they're for and how to join

For 2027, Henderson is looking at 72 Medicare Advantage plans: 9 new, 11 gone since 2026, and 33 still here but changed on premium, deductible, plan type or name, 15 of them under a new name. Below, how the lineup shifted in Clark County and what to compare, with no plan ranked or recommended.

Fall 2026 — Henderson residents living with a qualifying chronic illness have a specific lane inside Medicare Advantage this enrollment season: the Chronic Condition Special Needs Plan, or C-SNP. For plan year 2027, Clark County — the county Henderson sits in — has 16 C-SNPs on the shelf, offered by seven carriers, according to the CMS Medicare Advantage Landscape Source File.

These plans don't work like a standard Medicare Advantage plan you can sign up for just because you turned 65. A C-SNP is built around one or more chronic conditions, and to enroll you need a provider to confirm you have a qualifying diagnosis. Here is what Henderson shoppers should know before the December 7, 2026 deadline.

What is a C-SNP, and how does it work in Henderson?

A C-SNP (Chronic Condition Special Needs Plan) is a type of Medicare Advantage plan designed only for people living with certain severe or disabling chronic conditions. Every C-SNP in Clark County for 2027 includes drug coverage, and each one shapes its provider network, drug list and care management around the condition it serves.

Medicare limits C-SNPs to a defined list of qualifying chronic conditions — examples include diabetes, chronic heart failure, cardiovascular disorders, chronic lung disorders and end-stage renal disease. A plan may serve one condition or a group of related ones. The plan's name sometimes tells you which group it targets, but the official condition list sits in the plan's Evidence of Coverage.

How many C-SNPs are offered in Clark County for 2027, and from which carriers?

Clark County has 16 C-SNPs for 2027, offered by seven carriers. In alphabetical order:

• Aetna (CVS Health): 1
• Alignment Health Plan: 2
• Champion Health Plan: 5
• Elevance Health (Anthem): 3
• Humana: 2
• SCAN Health Plan: 2
• UnitedHealthcare: 1

For context, those 16 C-SNPs sit inside a wider 2027 lineup of 72 Medicare Advantage plans in the county, which also includes 16 Dual Eligible Special Needs Plans (D-SNPs) for people with both Medicare and Medicaid and 1 Institutional Special Needs Plan (I-SNP). The table below lists every C-SNP by carrier.

Which Chronic Condition Special Needs Plans are offered in Henderson for 2027?

These are the 16 C-SNPs CMS lists for Clark County in 2027, in alphabetical order by carrier:

• Aetna Medicare Chronic Care (HMO C-SNP) — Aetna (CVS Health)
• Alignment Health Heart & Diabetes 004 (HMO C-SNP) — Alignment Health Plan (renamed from Alignment Health Heart & Diabetes)
• Alignment Health Heart & Diabetes Plus 006 (HMO C-SNP) — Alignment Health Plan (renamed from Alignment Health Heart & Diabetes NVPlus)
• Champion Advantage (HMO-POS C-SNP) — Champion Health Plan
• Champion Care (HMO C-SNP) — Champion Health Plan
• Champion Choice (HMO C-SNP) — Champion Health Plan
• Champion Connect (HMO-POS C-SNP) — Champion Health Plan
• Champion Plus (HMO C-SNP) — Champion Health Plan
• Anthem I CareMore Chronic Care (HMO-POS C-SNP) — Elevance Health (Anthem)
• Anthem I CareMore Kidney Care (HMO-POS C-SNP) — Elevance Health (Anthem)
• Anthem I CareMore Lung Care (HMO-POS C-SNP) — Elevance Health (Anthem)
• Humana Gold Plus - Diabetes and Heart (HMO C-SNP) — Humana
• Humana Gold Plus - Diabetes and Heart (HMO C-SNP) — Humana (new for 2027)
• SCAN Balance (HMO C-SNP) — SCAN Health Plan
• SCAN Strive (HMO C-SNP) — SCAN Health Plan
• UHC Complete Care NV-4 (HMO-POS C-SNP) — UnitedHealthcare

A plan name that mentions a condition — "Kidney Care," "Lung Care," "Diabetes and Heart" — tells you the group that plan targets. For every other plan, call the carrier or check the plan's Evidence of Coverage to see which conditions qualify.

How do you actually enroll in a C-SNP?

You cannot self-certify. To join a C-SNP, a doctor or other qualified provider has to confirm that you have a qualifying chronic condition on Medicare's list. The plan will send a form (often called a "pre-enrollment verification" or similar) that your provider signs and returns; some plans accept a copy of recent medical records.

If the plan cannot confirm your diagnosis within the window Medicare allows after you enroll, your enrollment can be cancelled. That is why people in Henderson considering a C-SNP are usually told to loop in their primary care provider early.

Can you switch to a C-SNP outside of October 15 – December 7?

Yes. People with a qualifying chronic condition get a Special Enrollment Period (SEP) that lets them enroll in a C-SNP outside the regular Annual Enrollment Period. You generally use that SEP once, and once you are in a C-SNP, standard enrollment rules apply if you want to change plans later.

The regular calendar still matters for everyone else. Annual Enrollment runs October 15 – December 7, 2026, and any change takes effect January 1, 2027. If you do nothing, your current plan renews — with any changes described in the Annual Notice of Change (ANOC) your plan mails in the fall. Medicare Advantage members also have the Medicare Advantage Open Enrollment Period from January 1 – March 31 to make one change.

What else is changing for 2027 that a C-SNP member should know?

Every C-SNP in Clark County for 2027 includes Part D drug coverage, so the Part D changes CMS has already announced apply:

• 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 coverage gap ("donut hole") remains gone, as it has been since 2025.
• The Medicare Prescription Payment Plan — an option to spread drug costs across the year in monthly bills — continues.

The 2027 Part B standard premium and deductible, and the 2027 IRMAA income brackets, had not been announced as of early fall 2026; CMS typically publishes them in November.