Medicare Advantage

Greensboro's 2027 C-SNPs: 10 Medicare Advantage plans for people with a qualifying condition

Guilford County has 97 Medicare Advantage plans for 2027. Compared with 2026, 15 plans are not coming back, 14 are new, and 41 continuing plans changed in some way you should check before December 7, 16 of them under a new name. This guide covers what those numbers mean for Greensboro, not which plan to pick.

Greensboro, N.C. — If you live with a chronic condition like diabetes or heart disease, you may qualify for a specific kind of Medicare Advantage plan built around that diagnosis. For 2027, Guilford County — where Greensboro sits — will have 10 Chronic Condition Special Needs Plans (C-SNPs) from seven carriers, according to the CMS Medicare Advantage Landscape Source File for the coming plan year. The Annual Enrollment Period for 2027 coverage runs October 15 through December 7, 2026, and a change you make in that window starts January 1, 2027.

What is a C-SNP and how does it work in Greensboro for 2027?

A C-SNP, or Chronic Condition Special Needs Plan, is a type of Medicare Advantage plan designed for people who have a specific, long-term health condition. CMS allows C-SNPs to be built around a defined list of chronic conditions — common examples include diabetes, cardiovascular disorders, and chronic heart failure.

Like other Medicare Advantage plans, a C-SNP replaces Original Medicare (Parts A and B) and almost always includes Part D drug coverage. What makes it different is that the plan's provider network, drug list and care management are shaped around one condition (or a small group of related ones). You generally use in-network providers, and the plan may coordinate your care more closely than a general plan would.

Who can enroll in a Greensboro C-SNP, and what proof is needed?

To join a C-SNP, you need a qualifying chronic condition — and your provider has to confirm it. After you apply, the plan contacts your doctor (or asks you for a signed form) to verify the diagnosis. If verification does not come back in the plan's time window, enrollment can be cancelled.

You also need to live in the plan's service area and be enrolled in Medicare Parts A and B. If you lose eligibility later — for example, if your condition is no longer confirmed — the plan will give you a grace period before disenrolling you, and you can switch to another Medicare Advantage or Original Medicare option.

Which C-SNPs are offered in Guilford County for 2027?

For the 2027 plan year, Guilford County has 10 C-SNPs from seven carriers. The full table below lists each plan; here are the carriers, in alphabetical order, with the number of C-SNPs each is offering:

• Aetna (CVS Health) — 1 (Aetna Medicare Chronic Care (HMO C-SNP), new for 2027)
• Alignment Health Plan — 2 (Alignment Health Heart & Diabetes 011 (HMO C-SNP); Alignment Health Heart & Diabetes Plus 009 (HMO-POS C-SNP))
• Devoted Health — 3 (DEVOTED C-SNP ENHANCED 017 NC (HMO C-SNP); DEVOTED C-SNP GIVEBACK EXTRAS 032 NC (HMO C-SNP), new for 2027; DEVOTED C-SNP PLUS 015 NC (HMO C-SNP))
• HealthSpring — 1 (HealthSpring Achieve (HMO C-SNP), new for 2027)
• Humana — 1 (Humana Gold Plus - Diabetes and Heart (HMO C-SNP))
• Liberty Medicare Advantage — 1 (Liberty Medicare Advantage (HMO C-SNP))
• UnitedHealthcare — 1 (UHC Complete Care NC-28 (HMO-POS C-SNP))

Some plan names signal the condition they serve (for example, the Alignment and Humana plans name heart and diabetes care). For every other plan, call the plan or check the Medicare Plan Finder to see which qualifying conditions it accepts — a plan name alone does not tell you.

When can I enroll in a C-SNP in Greensboro for 2027?

The main window is the Annual Enrollment Period, October 15 – December 7, 2026, for coverage that starts January 1, 2027. But because C-SNPs are tied to a qualifying diagnosis, there is also a Special Enrollment Period (SEP) for people who become newly eligible — once your doctor confirms a qualifying chronic condition, you generally get a one-time chance to join a C-SNP that serves that condition outside the normal windows.

If you are already in a C-SNP, you can also use the Medicare Advantage Open Enrollment Period (January 1 – March 31, 2027) to switch to another Medicare Advantage plan or go back to Original Medicare one time.

How should I compare C-SNPs during 2027 enrollment?

Start with your doctors and your medications. A C-SNP is only worth considering if your main providers are in its network and your prescriptions are on its drug list. Pull up each plan on the Medicare Plan Finder at medicare.gov and check:

• Whether your qualifying condition is one the plan serves.
• Whether your doctors, specialists and preferred pharmacies are in-network.
• How the plan handles your specific drugs (tier, prior authorization, quantity limits).
• The plan's Summary of Benefits and Evidence of Coverage for how it manages care for your condition.

Remember a program-level change for next year: the Part D out-of-pocket drug cap is $2,400 in 2027 (up from $2,100 in 2026), and the Part D maximum deductible is $700 in 2027 (up from $615). The 2027 Part B standard premium and the 2027 IRMAA income brackets have not been announced yet; CMS usually publishes them in the fall.

What if I do nothing by December 7, 2026?

If you do nothing, your current plan renews for 2027 — as long as the carrier still offers it in Guilford County. Across all Medicare Advantage plans in the county, 15 plans are not returning for 2027, 14 are new, and 16 have been renamed. Your plan's Annual Notice of Change (ANOC), mailed in September, spells out exactly what is changing for your plan, including costs, drug coverage and network.

If your C-SNP is leaving, you will get a notice from the plan and a Special Enrollment Period to pick another one.