Medicare Advantage

North Dakota Medicare Advantage Plans for Chronic Conditions in 2027: 1 C-SNPs

BISMARCK — North Dakotans living with a long-term health condition have a narrow but real set of Medicare Advantage options built around that condition for the 2027 plan year. According to the Centers for Medicare & Medicaid Services (CMS) Landscape Source Files for CY2027, 1 of the 23 Medicare Advantage plans available statewide is a Chronic Condition Special Needs Plan, known as a C-SNP. The remaining Special Needs Plan activity in the state comes from 2 Dual Eligible Special Needs Plans (D-SNPs) and 2 Institutional Special Needs Plans (I-SNPs).

For most readers, the practical question is simple: does a C-SNP exist for my condition, and is it offered in my county? This explainer walks through what the CMS data shows for North Dakota in 2027, how C-SNPs work, and where to confirm what is available at your address.

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

A C-SNP is a type of Medicare Advantage plan limited to people with a specific, qualifying chronic condition — for example, diabetes, chronic heart failure, or a chronic lung disorder — that a treating provider confirms. To enroll, you need Medicare Part A and Part B, you must live in the plan's service area, and the plan must receive verification of the qualifying condition from your provider (CMS allows a short window after enrollment for that paperwork to come in).

Because the eligibility group is narrow, C-SNPs are usually built around the needs of that one condition. The exact care model, drug list, provider network and cost-sharing vary by plan, and those details live in each plan's Evidence of Coverage — not in the CMS Landscape file this article is based on.

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

For 2027, North Dakota has 1 C-SNP in the CMS Landscape file, out of 23 Medicare Advantage plans available in the state overall. One carrier — UnitedHealthcare — is listed as offering a C-SNP in North Dakota for the plan year.

For context, the state also has 2 D-SNPs (for people with both Medicare and Medicaid) and 2 I-SNPs (for people who live in or are expected to need the level of care provided in an institutional setting). Those are separate from C-SNPs and have their own eligibility rules.

The full plan-by-plan list is shown in the tables on this page rather than repeated in prose here. The single C-SNP entry in the data is UHC Complete Care Support FG-5 (PPO C-SNP), a PPO C-SNP with drug coverage, offered in 1 county.

Which chronic conditions are named in the North Dakota C-SNP for 2027?

The CMS Landscape file for North Dakota lists one C-SNP for 2027, and its name — UHC Complete Care Support FG-5 (PPO C-SNP) — does not spell out a specific chronic condition. That means this explainer cannot tell you from the plan name alone which condition the plan is designed around.

To find the qualifying condition for that plan, look it up on the Medicare Plan Finder at medicare.gov, call 1-800-MEDICARE, or ask the carrier directly for the plan's Summary of Benefits and Evidence of Coverage. Those documents state exactly which chronic condition qualifies a person for enrollment.

When can someone with a qualifying condition enroll in a C-SNP in North Dakota?

Two timing rules matter in North Dakota for 2027. First, the Annual Enrollment Period runs October 15 – December 7, 2026, and any choice made in that window takes effect January 1, 2027. This is the main window most people use to join, switch, or drop a Medicare Advantage plan, including a C-SNP.

Second, people with a qualifying chronic condition generally have a Special Enrollment Period (SEP) that lets them join a C-SNP outside the Annual Enrollment Period, once their eligibility for that condition is confirmed. CMS rules on SEPs can change, so confirm the current rule at medicare.gov or by calling 1-800-MEDICARE before you act on it.

If you already have a C-SNP and your qualifying condition status changes, there are additional rules about continued eligibility and grace periods that are worth asking about before you make any switch.

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

Availability for every C-SNP in North Dakota for 2027 is county by county, so a plan listed in the statewide CMS data may or may not be sold where you live. The single C-SNP in the file — UHC Complete Care Support FG-5 (PPO C-SNP) — is offered in 1 county, not statewide.

The fastest way to check your address is the Medicare Plan Finder at medicare.gov. Enter your ZIP code, filter for Special Needs Plans, and the tool will show which C-SNPs, D-SNPs and I-SNPs are offered in your county for 2027, along with their premiums, cost-sharing, drug lists and star ratings — the plan-level details this article does not provide. You can also call 1-800-MEDICARE, 24 hours a day, 7 days a week, and ask a representative to run the same search for you.

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

Free, neutral help for North Dakotans comparing Medicare Advantage and C-SNP options for 2027 is available directly from Medicare. The Medicare Plan Finder at medicare.gov is free to use and shows every plan available at your ZIP code. 1-800-MEDICARE (TTY 1-877-486-2048) is also free and staffed around the clock.

If you want to confirm your Medicare eligibility, replace a Medicare card, or ask about Part A and Part B enrollment, the Social Security Administration handles those steps at ssa.gov or 1-800-772-1213.