Medicare Advantage
Have a Chronic Condition? Chesapeake C-SNPs for 2027
People in Chesapeake can choose from 70 Medicare Advantage plans for 2027, against 67 this year. Three of this year’s plans are gone, 6 are new to Chesapeake city, and 45 that continue have changed their premium, deductible, plan type or name, 16 of them under a new name.
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Key takeaways
- Eight Chronic Condition Special Needs Plans are offered in Chesapeake city for 2027, from Elevance Health (Anthem), Humana and UnitedHealthcare.
- To join a C-SNP, you need a qualifying chronic condition confirmed in writing by your doctor or other provider.
- A qualifying diagnosis opens a Special Enrollment Period, so you are not limited to the October 15 – December 7, 2026 window.
- Plan details — costs, drug lists, networks and benefits — come only from the Medicare Plan Finder at medicare.gov, 1-800-MEDICARE, or the plan's own documents.
| Fact | Figure | Source |
|---|---|---|
| Medicare Advantage plans offered in Chesapeake city (2026) | 67 | CMS |
| Medicare Advantage plans offered in Chesapeake city (2027) | 70 | CMS |
| Plans not returning for 2027 / new for 2027 | 3 / 6 | CMS |
| Organizations offering Medicare Advantage in Chesapeake city (2026) | 6 | CMS |
| Share of eligible beneficiaries in Medicare Advantage, Chesapeake city | 40% | CMS |
| Residents age 65 and older, Chesapeake city | 36,797 | U.S. Census Bureau |
| Part B standard monthly premium (2026) | $202.90 | Medicare.gov |
| Part D out-of-pocket cap (2026) | $2,100 | CMS |
| Part D out-of-pocket cap (2027) | $2,400 | CMS |
| Annual Enrollment Period (for 2027 coverage) | October 15 – December 7, 2026 | Medicare.gov |
| Medicare Advantage Open Enrollment Period | January 1 – March 31 | Medicare.gov |
Area counts are for the county as a whole and are not a recommendation of any plan. Program figures are set nationally.
CHESAPEAKE, Va. — As the Annual Enrollment Period opens for 2027 Medicare coverage, people in Chesapeake who live with a long-term health condition like diabetes, heart disease or kidney disease have a special type of Medicare Advantage plan to consider: a Chronic Condition Special Needs Plan, or C-SNP. For plan year 2027, eight C-SNPs are offered in Chesapeake city, from three carriers.
C-SNPs are a smaller, specialized slice of Medicare Advantage. They are designed around one or more chronic conditions, and you need a provider to confirm a qualifying diagnosis before you can enroll. If that fits you, you also have more flexibility about when to sign up — not just during the fall window that closes December 7, 2026.
What is a C-SNP, and how does it work in Chesapeake for 2027?
A C-SNP is a type of Medicare Advantage plan built for people with a specific severe or disabling chronic condition. Like other Medicare Advantage plans, a C-SNP replaces how you get your Part A and Part B benefits and, in these cases, includes Part D drug coverage. What is different is the focus: the plan's drug list, care coordination and provider network are shaped around the condition it serves.
In Chesapeake city — the county where Chesapeake sits for Medicare purposes — 8 of the 70 Medicare Advantage plans available for 2027 are C-SNPs. The other Special Needs Plans in the area for 2027 include 15 Dual Eligible SNPs (D-SNPs), for people with both Medicare and Medicaid, and 5 Institutional SNPs (I-SNPs), for people who live in a nursing facility or need that level of care at home.
Which carriers offer C-SNPs in Chesapeake for 2027?
Three carriers offer C-SNPs in Chesapeake city for 2027: Elevance Health (Anthem) with 2 plans, Humana with 5 plans, and UnitedHealthcare with 1 plan. The table below lists every plan.
In alphabetical order by carrier, the 2027 C-SNPs in Chesapeake are:
- Anthem Chronic Care (HMO-POS C-SNP) — Elevance Health (Anthem)
- Anthem Kidney Care (HMO-POS C-SNP) — Elevance Health (Anthem)
- Humana DaVita Kidney Care (PPO C-SNP) — Humana (new for 2027)
- Humana DaVita Kidney Care (PPO C-SNP) — Humana (new for 2027)
- Humana Gold Plus - Diabetes and Heart (HMO C-SNP) — Humana
- Humana Gold Plus - Diabetes and Heart (HMO C-SNP) — Humana
- Humana Gold Plus - Diabetes and Heart (HMO C-SNP) — Humana
- UHC Complete Care VA-22 (HMO-POS C-SNP) — UnitedHealthcare
A plan may appear more than once because the same plan name can be offered in more than one service area. Only the plan name tells you the condition it is built around — if the name does not say it, we are not going to guess at it here.
Who qualifies for a Chesapeake C-SNP in 2027?
Qualifying for a C-SNP takes two things: a Medicare Advantage-eligible enrollment (you have Part A and Part B, and live in the plan's service area), and a qualifying chronic condition confirmed by a provider.
The carrier will ask your doctor or other treating provider to verify your diagnosis in writing, usually on a short form the plan sends. If the condition cannot be confirmed within the plan's required timeframe, the enrollment will not stand. If you are not sure whether your condition qualifies for a specific plan, call the plan directly or 1-800-MEDICARE before you enroll.
When can I enroll in a C-SNP — do I have to wait for the fall window?
No. People with a qualifying chronic condition have a Special Enrollment Period (SEP) to join a C-SNP. That means you can enroll when you first become eligible for the plan, not only during the Annual Enrollment Period that runs October 15 – December 7, 2026. The SEP generally ends once you are enrolled in a C-SNP.
If you do nothing during this fall's window, your current Medicare plan simply renews for 2027 if it is being offered again, with any changes spelled out in your plan's Annual Notice of Change (ANOC). Across the Chesapeake city market as a whole for 2027, 3 plans are not returning, 6 are new, and 16 have been renamed, so it is worth opening that ANOC when it arrives.
What else is changing in Medicare for 2027?
A couple of program-wide numbers are already set for 2027. The Part D out-of-pocket cap rises to $2,400 in 2027 (up from $2,100 in 2026). The Part D maximum deductible is $700 in 2027 (up from $615 in 2026). The Part D national base beneficiary premium for 2027 is $41.33 — that figure is a formula input Medicare uses, not what any particular plan charges.
Other 2027 numbers — the standard Part B premium and deductible, and the IRMAA income brackets that affect higher earners — have not been published yet. CMS typically announces those in the fall, usually in November.
By the numbers
Medicare Part B premium, 2006–2026
The standard monthly Part B premium has climbed from $88.50 in 2006 to $202.90 in 2026. Hover any point for that year’s premium.
Source: CMS. Standard premium shown; in some hold-harmless years many existing enrollees paid less. Confirm at Medicare.gov.
By the numbers
How people get Medicare in Chesapeake city
(MA penetration in Chesapeake city)
MA penetration from CMS enrollment data; Medigap share is an estimate. U.S. average is about 54% Medicare Advantage. These are area-level figures, not plan-specific.
Chronic-condition plans
Chronic Condition Special Needs Plans (C-SNP) in Chesapeake city for 2027
CMS lists 8 C-SNPs in Chesapeake city for 2027, alphabetically by carrier. A C-SNP is open to people with a qualifying chronic condition, verified by a provider.
| Plan | Type | Drug coverage | For 2027 |
|---|---|---|---|
| Elevance Health (Anthem) 2 plans | |||
| Anthem Chronic Care (HMO-POS C-SNP) | HMO-POS C-SNP | Yes | Returning |
| Anthem Kidney Care (HMO-POS C-SNP) | HMO-POS C-SNP | Yes | Returning |
| Humana 5 plans | |||
| Humana DaVita Kidney Care (PPO C-SNP) | PPO C-SNP | Yes | New |
| Humana DaVita Kidney Care (PPO C-SNP) | PPO C-SNP | Yes | New |
| Humana Gold Plus - Diabetes and Heart (HMO C-SNP) | HMO C-SNP | Yes | Returning |
| Humana Gold Plus - Diabetes and Heart (HMO C-SNP) | HMO C-SNP | Yes | Returning |
| Humana Gold Plus - Diabetes and Heart (HMO C-SNP) | HMO C-SNP | Yes | Returning |
| UnitedHealthcare 1 plan | |||
| UHC Complete Care VA-22 (HMO-POS C-SNP) | HMO-POS C-SNP | Yes | Returning |
Source: CMS Medicare Advantage Landscape Source Files, plan years 2026 and 2027. Plan availability is set at the county level. No plan is ranked or recommended; premiums, benefits, networks and star ratings are not shown. Plan details come from the Medicare Plan Finder at medicare.gov or the plan itself.
The 2027 choices, by type
HMO, PPO and Special Needs Plans in Chesapeake city for 2027
- Aetna (CVS Health) 6 plans: HMO, HMO-POS, PPO
- Elevance Health (Anthem) 12 plans: HMO, HMO-POS, PPO
- Humana 34 plans: HMO, HMO-POS, PFFS, PPO
- Lifeworks Advantage 2 plans: HMO, HMO-POS
- Sentara Medicare 2 plans: HMO
- UnitedHealthcare 14 plans: HMO-POS, PPO
HMO plans use a network and usually a primary-care doctor and referrals; HMO-POS plans add some out-of-network coverage; PPO plans also cover out-of-network care, at a higher share; PFFS plans pay any provider that accepts the plan’s terms. Special Needs Plans serve people with Medicare and Medicaid (D-SNP), certain chronic conditions (C-SNP) or living in an institution (I-SNP).
Source: CMS Medicare Advantage Landscape Source Files, plan years 2026 and 2027. Plan availability is set at the county level. No plan is ranked or recommended; premiums, benefits, networks and star ratings are not shown. Plan details come from the Medicare Plan Finder at medicare.gov or the plan itself.
Key dates
Medicare enrollment periods at a glance
- Around your 65thInitial Enrollment PeriodA 7-month window around the month you turn 65 — your first chance to sign up.
- October 15 – December 7Annual Enrollment PeriodAnyone with Medicare can join, switch, or drop a Medicare Advantage or Part D plan.
- January 1 – March 31Medicare Advantage Open EnrollmentIf you're already in a Medicare Advantage plan, you can make one change.
- January 1 – March 31General Enrollment PeriodFor people who missed their first chance to sign up for Part B.
- VariesSpecial Enrollment PeriodTriggered by life events like moving or losing other coverage.
Dates are set by Medicare and apply nationwide. Confirm your personal windows at Medicare.gov or 1-800-MEDICARE.
Explore
When can you enroll? An interactive year
Enrollment windows are federal and the same nationwide. Confirm your personal dates at Medicare.gov or 1-800-MEDICARE.
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The parts of Medicare
Good to know
Frequently asked questions
What chronic conditions qualify for a C-SNP?
What happens if I no longer meet the chronic condition requirement after I enroll?
Do all C-SNPs include prescription drug coverage?
Where can I compare the actual costs and benefits of these plans?
- CMS — MA Landscape Source File (plan-level availability by county)
- CMS — MA Landscape Source Files, current and coming plan year (year-over-year comparison)
- CMS — Medicare enrollment periods (medicare.gov)
For personalized answers, contact Medicare.gov or 1-800-MEDICARE.
Also for Chesapeake
Sources and methodology
- CMS, Medicare Advantage and Part D Landscape Source Files
- CMS, Medicare Advantage state/county penetration and enrollment files
- U.S. Census Bureau, American Community Survey (table B01001, age 65 and older)
- Medicare.gov, Medicare costs (Part B premium)
- CMS, Medicare prescription drug coverage (Part D) program rules
- CMS, Medicare Advantage and Part D plan-year announcements
- Medicare.gov, enrollment periods and plan rules
Figures cited in this article
- CMS — MA Landscape Source File (plan year 2027): the C-SNP counts, carriers and plan names for Chesapeake city.
- CMS — MA Landscape Source Files (plan years 2026 and 2027): the year-over-year change counts (not returning, new, renamed).
- CMS — 2027 Part D parameters: the out-of-pocket cap, maximum deductible and national base beneficiary premium.
- Medicare.gov: the Annual Enrollment Period dates and the Special Enrollment Period rules for Special Needs Plans.
How we put this together: area counts come from the CMS files listed above for the county that contains this city, program figures come from CMS, Medicare.gov and the Social Security Administration, and no plan is ranked or recommended.
By The Medicare Desk · Published . For personalized answers, contact Medicare.gov or 1-800-MEDICARE.
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This page was last updated: October 2026.