Medicare Advantage
15 D-SNPs Are on the Norfolk Menu for 2027: The Rules
Norfolk city has 68 Medicare Advantage plans for 2027. Compared with 2026, 3 plans are not coming back, 6 are new, and 44 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 Norfolk, not which plan to pick.
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Key takeaways
- Norfolk city has 15 D-SNPs available for 2027, offered by Aetna (CVS Health), Elevance Health (Anthem), Humana, Sentara Medicare and UnitedHealthcare.
- D-SNPs are for people who have Medicare and some level of Medicaid; your state Medicaid agency confirms whether you are "full" or "partial" dual-eligible.
- People with Medicaid or Extra Help generally get an extra chance each month to join an integrated D-SNP or move to Original Medicare with a drug plan — confirm the current rule with 1-800-MEDICARE.
- Doing nothing is fine: if your current plan is offered again in 2027, it renews automatically with the changes listed in its Annual Notice of Change (ANOC).
| Fact | Figure | Source |
|---|---|---|
| Medicare Advantage plans offered in Norfolk city (2026) | 65 | CMS |
| Medicare Advantage plans offered in Norfolk city (2027) | 68 | CMS |
| Plans not returning for 2027 / new for 2027 | 3 / 6 | CMS |
| Organizations offering Medicare Advantage in Norfolk city (2026) | 6 | CMS |
| Share of eligible beneficiaries in Medicare Advantage, Norfolk city | 50% | CMS |
| Residents age 65 and older, Norfolk city | 30,440 | 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.
NORFOLK, Va. — For Norfolk residents who have both Medicare and Medicaid, the plan menu for 2027 is now set. The city sits inside Norfolk city, where federal Medicare records show 15 Dual Special Needs Plans (D-SNPs) will be offered next year from five carriers. These plans are built for people with both programs, and the rules for joining or switching are different from the rules most Medicare members follow.
The Annual Enrollment Period runs October 15 through December 7, 2026, with any change taking effect January 1, 2027. But dual-eligible members do not have to wait for that window to make a move — more on that below.
What is a Dual Special Needs Plan, and who is it for in Norfolk?
A D-SNP is a type of Medicare Advantage plan built only for people who have both Medicare and Medicaid. It coordinates the two programs under one plan, usually includes Part D drug coverage, and often adds extra help with things like care coordination.
To join, you need Medicare Part A and Part B and some level of Medicaid help. "Full" dual-eligible means Medicaid covers your full benefits. "Partial" dual means Medicaid helps pay specific Medicare costs through a Medicare Savings Program — for example, the Qualified Medicare Beneficiary (QMB) program. Different D-SNPs are designed around different dual-eligible categories, so not every D-SNP accepts every dual member.
How many D-SNPs are offered in Norfolk city for 2027, and by which carriers?
Norfolk city has 15 D-SNPs for 2027, part of a larger lineup of Medicare Advantage plans that also includes 8 Chronic Condition SNPs (C-SNPs) and 5 Institutional SNPs (I-SNPs). The five carriers offering D-SNPs locally are:
- Aetna (CVS Health) — 1 D-SNP
- Elevance Health (Anthem) — 4 D-SNPs
- Humana — 3 D-SNPs
- Sentara Medicare — 2 D-SNPs
- UnitedHealthcare — 5 D-SNPs
The specific plans, in alphabetical order by carrier, are Aetna Medicare FIDE (HMO D-SNP); Anthem Dual Advantage Plus (HMO D-SNP); Anthem Dual Advantage Plus (PPO D-SNP); Anthem Full Dual Advantage (HMO D-SNP); Anthem Full Dual Advantage Support (HMO D-SNP); Humana Dual Fully Integrated H2875-001 (HMO-POS D-SNP); Humana Dual QMB Only (HMO-POS D-SNP); Humana Dual Select H2875-006 (HMO-POS D-SNP); Sentara Community Complete (HMO D-SNP); Sentara Community Complete Select (HMO D-SNP); UHC Dual Advantage VA-V1 (HMO-POS D-SNP); UHC Dual Complete VA-Q001 (HMO-POS D-SNP); UHC Dual Complete VA-Y002 (HMO-POS D-SNP); UHC Dual Complete VA-Y4 (PPO D-SNP); and UHC Dual Complete VA-YL (HMO-POS D-SNP). The table on this page lists them all. A few names changed between 2026 and 2027 — the Annual Notice of Change has the specifics for any renamed plan.
How do I confirm my dual-eligible status before I enroll?
Your Medicaid status is confirmed by the state, not the Medicare plan. In Virginia, that is Cardinal Care, run by the Department of Medical Assistance Services (DMAS). You can call Cover Virginia at 1-855-242-8282 or sign in to CommonHelp to check your current level of Medicaid.
You can also call 1-800-MEDICARE (TTY 1-877-486-2048), available 24/7, to confirm what Medicare has on file for you — including whether you qualify for Extra Help with Part D costs. Having a recent Medicaid award letter handy makes enrolling in a D-SNP much faster, because the plan has to verify your category before coverage starts.
How often can a dual-eligible person change plans in 2027?
Dual-eligible members have more flexibility than the general Annual Enrollment Period (October 15 – December 7, 2026) allows. Under current rules, people with Medicaid or Extra Help generally get a monthly Special Enrollment Period to:
- Join an integrated D-SNP, or
- Leave Medicare Advantage and return to Original Medicare with a stand-alone Part D plan.
That means you are not locked in to one choice for a full year the way many Medicare members are. The exact rules have been changing — CMS has been phasing in updates for integrated D-SNPs — so it's worth calling 1-800-MEDICARE to confirm which Special Enrollment Period applies to your situation before you switch.
Separately, the Medicare Advantage Open Enrollment Period (January 1 – March 31, 2027) lets any Medicare Advantage member make one change. And if you lose Medicaid, there is a dedicated Special Enrollment Period to adjust your coverage.
What is changing in Norfolk's lineup for 2027?
Across all Medicare Advantage plans in Norfolk city, 3 plans are not returning, 6 are new, and 16 have been renamed. Within D-SNPs specifically, several plans were renamed — for example, one Anthem D-SNP, one Humana D-SNP and two UnitedHealthcare D-SNPs carry new names in 2027 (details in each plan's ANOC).
If your current plan is on the list for 2027, you don't need to do anything to stay in it. If it isn't, your plan will send a non-renewal notice explaining your options and the Special Enrollment Period you qualify for.
How do I compare D-SNPs without getting overwhelmed?
Use the Medicare Plan Finder at medicare.gov. Enter your ZIP code and your drug list, and filter for Special Needs Plans. Each plan's Summary of Benefits and Evidence of Coverage will show costs, drug coverage, provider network and extra benefits. Because D-SNPs vary by which dual-eligible category they accept, confirm you qualify for a specific plan before enrolling.
If you'd rather talk to a person, 1-800-MEDICARE can walk through the plans available in Norfolk and verify your eligibility details.
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 Norfolk city
(MA penetration in Norfolk 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.
Medicare + Medicaid
Dual Special Needs Plans (D-SNP) in Norfolk city for 2027
CMS lists 15 D-SNPs in Norfolk city for 2027, alphabetically by carrier. A D-SNP is open to people who have both Medicare and Medicaid; the state Medicaid agency confirms the level of eligibility.
| Plan | Type | Drug coverage | For 2027 |
|---|---|---|---|
| Aetna (CVS Health) 1 plan | |||
| Aetna Medicare FIDE (HMO D-SNP) | HMO D-SNP | Yes | Returning |
| Elevance Health (Anthem) 4 plans | |||
| Anthem Dual Advantage Plus (HMO D-SNP) | HMO D-SNP | Yes | Renamed |
| Anthem Dual Advantage Plus (PPO D-SNP) | PPO D-SNP | Yes | Renamed |
| Anthem Full Dual Advantage (HMO D-SNP) | HMO D-SNP | Yes | Returning |
| Anthem Full Dual Advantage Support (HMO D-SNP) | HMO D-SNP | Yes | Returning |
| Humana 3 plans | |||
| Humana Dual Fully Integrated H2875-001 (HMO-POS D-SNP) | HMO-POS D-SNP | Yes | Returning |
| Humana Dual QMB Only (HMO-POS D-SNP) | HMO-POS D-SNP | Yes | Renamed |
| Humana Dual Select H2875-006 (HMO-POS D-SNP) | HMO-POS D-SNP | Yes | Returning |
| Sentara Medicare 2 plans | |||
| Sentara Community Complete (HMO D-SNP) | HMO D-SNP | Yes | Returning |
| Sentara Community Complete Select (HMO D-SNP) | HMO D-SNP | Yes | Returning |
| UnitedHealthcare 5 plans | |||
| UHC Dual Advantage VA-V1 (HMO-POS D-SNP) | HMO-POS D-SNP | Yes | Renamed |
| UHC Dual Complete VA-Q001 (HMO-POS D-SNP) | HMO-POS D-SNP | Yes | Returning |
| UHC Dual Complete VA-Y002 (HMO-POS D-SNP) | HMO-POS D-SNP | Yes | Returning |
| UHC Dual Complete VA-Y4 (PPO D-SNP) | PPO D-SNP | Yes | Returning |
| UHC Dual Complete VA-YL (HMO-POS D-SNP) | HMO-POS D-SNP | Yes | Renamed |
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 Norfolk city for 2027
- Aetna (CVS Health) 6 plans: HMO, HMO-POS, PPO
- Elevance Health (Anthem) 10 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 Period (Open Enrollment)Anyone 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
Do I have to pick a D-SNP if I have both Medicare and Medicaid?
What's the difference between "full" and "partial" dual eligibility?
If I lose Medicaid, can I stay in my D-SNP?
When do changes made during Annual Enrollment take effect?
Watch
The Medicare Advantage changes for 2027 in every state, in 30 seconds
- 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 Norfolk
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 — Medicare Advantage Landscape Source File (plan year 2027): D-SNP, C-SNP and I-SNP counts, carrier counts and plan names for Norfolk city.
- CMS — Landscape Source Files, 2026 vs. 2027: year-over-year changes (plans not returning, new, renamed).
- Medicare.gov — enrollment period rules, including the Annual Enrollment Period, Medicare Advantage Open Enrollment Period, and Special Enrollment Periods for dual-eligible and Extra Help members.
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.