Medicare Advantage

New Mexico Medicare Advantage Plans for Chronic Conditions in 2027: 12 C-SNPs

SANTA FE — New Mexico Medicare beneficiaries living with a qualifying chronic illness will have 12 Chronic Condition Special Needs Plans (C-SNPs) to consider for 2027, out of 61 Medicare Advantage plans available statewide, according to the Centers for Medicare & Medicaid Services (CMS) Landscape Source Files for the coming plan year.

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

A Chronic Condition Special Needs Plan is a type of Medicare Advantage plan built around people who have a specific, severe or disabling chronic condition that CMS has approved for this category. To enroll, you must have Medicare Parts A and B, live in the plan's service area, and have a provider confirm in writing that you have the qualifying condition the plan covers.

If the condition cannot be verified, the plan cannot keep you enrolled. Conditions that CMS allows C-SNPs to serve include diabetes, chronic heart failure, cardiovascular disorders, chronic lung disorders and several others. The specific condition a given plan serves is set by that plan — not by the county or the state.

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

For 2027, New Mexico has 12 C-SNPs out of 61 Medicare Advantage plans overall. The state also has 10 Dual Eligible Special Needs Plans (D-SNPs) and 0 Institutional Special Needs Plans (I-SNPs).

Three carriers offer C-SNPs in New Mexico for 2027:

• Devoted Health — 5 plans
• Humana — 3 plans
• UnitedHealthcare — 4 plans

The full plan-by-plan list, including each plan's county footprint, appears in the table on this page. A few notes from the CMS file worth flagging: Devoted Health has renamed two of its existing C-SNPs for 2027 (DEVOTED C-SNP ENHANCED 003 NM and DEVOTED C-SNP ENHANCED 007 NM, previously carrying the "DEVOTED C-SNP 003/007 NM" names), and is introducing two plans that are new for the coming plan year, DEVOTED C-SNP GIVEBACK EXTRAS 012 NM and DEVOTED C-SNP GIVEBACK EXTRAS 013 NM. County footprints vary widely across the 12 plans, from a 5-county offering up to a 28-county offering.

Which chronic conditions are named in New Mexico C-SNP plan names for 2027?

The only conditions we can tell you about from the plan names are the ones a plan actually spells out. In New Mexico for 2027, the plans whose names identify the condition are Humana's two "Humana Gold Plus - Diabetes and Heart (HMO C-SNP)" offerings and "HumanaChoice - Diabetes and Heart (PPO C-SNP)." As the names indicate, those plans are built for people with diabetes and/or a qualifying heart condition.

The other C-SNPs in the state — the five Devoted Health plans and the four UnitedHealthcare "Complete Care" plans — do not announce the targeted condition in the plan name. To find out which condition each of those plans is built for, check the plan's Summary of Benefits or Evidence of Coverage on Medicare.gov, or call 1-800-MEDICARE. The qualifying condition drives eligibility, so this is the first thing to confirm before you apply.

Can I switch C-SNPs outside Annual Enrollment if I have a qualifying condition in New Mexico?

Yes. People who have a qualifying chronic condition get a Special Enrollment Period (SEP) to enroll in a C-SNP that serves that condition. This SEP is available once you have the diagnosis documented and your provider confirms it to the plan, and it is not limited to the October 15 – December 7, 2026 Annual Enrollment window.

Once you are enrolled in a C-SNP, standard Medicare Advantage rules apply for later changes. For most people, the main windows are Annual Enrollment 2027 (October 15 – December 7, 2026, for a January 1, 2027 effective date) and the Medicare Advantage Open Enrollment Period that runs January 1 – March 31, 2027. CMS publishes the full list of enrollment periods on Medicare.gov.

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

Use the Medicare Plan Finder at medicare.gov and enter your ZIP code, or call 1-800-MEDICARE (TTY 1-877-486-2048), available 24 hours a day, 7 days a week. The Plan Finder will show only the plans available in your county for 2027, including C-SNPs you may qualify for.

This matters in New Mexico because Medicare Advantage plans — including C-SNPs — are sold county by county. The 12 C-SNPs described here are the statewide set; the plans you can actually enroll in depend on where you live. A plan listed in the table on this page may be offered in as few as 5 New Mexico counties or in as many as 28. Confirm the service area before you compare anything else.

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

Two free, official resources can walk you through your options. Medicare.gov hosts the Plan Finder and side-by-side plan details, including the Summary of Benefits, formulary (drug list) and provider directory for each plan. 1-800-MEDICARE (TTY 1-877-486-2048) is staffed around the clock and can help you check eligibility for a specific C-SNP, confirm whether a plan serves your county, and start or change enrollment.

Before you enroll, it is worth asking the plan directly whether your doctors, hospitals and prescriptions are covered, and how the plan verifies your qualifying chronic condition. Those plan-specific details live in each plan's Evidence of Coverage, not in the CMS Landscape file.