Medicare Advantage

Richmond's 2027 C-SNP lineup: 11 Medicare Advantage plans for people with a qualifying diagnosis

People in Richmond can choose from 74 Medicare Advantage plans for 2027, against 72 this year. Eight of this year’s plans are gone, 10 are new to Richmond city, and 42 that continue have changed their premium, deductible, plan type or name, 14 of them under a new name.

RICHMOND, Va. — As Annual Enrollment for 2027 Medicare coverage runs October 15 through December 7, 2026, Richmond residents living with a serious ongoing illness have a specific category of Medicare Advantage plan to consider: the Chronic Condition Special Needs Plan, or C-SNP. For the 2027 plan year, 11 of the 74 Medicare Advantage plans offered in Richmond city are C-SNPs, according to the CMS Medicare Advantage Landscape Source File.

These plans are built around a qualifying chronic diagnosis, and you cannot enroll in one without a provider confirming you have that condition. That extra step is why C-SNPs look a little different from the rest of the lineup — and why they come with their own Special Enrollment Period.

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

A Chronic Condition Special Needs Plan is a type of Medicare Advantage plan limited to people with a specific severe or disabling chronic condition — for example, diabetes, heart failure or end-stage renal disease. Medicare sets the list of qualifying conditions nationally; the plan sets the care model around them.

In practice, a C-SNP includes Part A, Part B and (in Richmond, in every C-SNP offered for 2027) Part D drug coverage, bundled together. Benefits, provider networks and drug lists are tailored to the condition the plan serves. Like any Medicare Advantage plan, specifics are set by the carrier and reviewed by CMS each year — you can confirm them on the Medicare Plan Finder at medicare.gov or by calling 1-800-MEDICARE.

Which C-SNPs are offered in Richmond for 2027?

Richmond is in Richmond city, where four carriers offer C-SNPs for 2027. In alphabetical order:

• Devoted Health: 3 C-SNPs — DEVOTED C-SNP ENHANCED 010 VA (HMO C-SNP) (renamed from DEVOTED C-SNP PREMIUM 010 VA), DEVOTED C-SNP GIVEBACK EXTRAS 027 VA (HMO C-SNP) (new for 2027), and DEVOTED C-SNP PLUS 004 VA (HMO C-SNP).
• Elevance Health (Anthem): 2 C-SNPs — Anthem Chronic Care (HMO-POS C-SNP) and Anthem Kidney Care (HMO-POS C-SNP).
• Humana: 5 C-SNPs — Humana DaVita Kidney Care (PPO C-SNP), with two plans new for 2027, and three plans named Humana Gold Plus - Diabetes and Heart (HMO C-SNP).
• UnitedHealthcare: 1 C-SNP — UHC Complete Care VA-21 (HMO-POS C-SNP).

The table on this page lists every Medicare Advantage plan offered in the county. For any plan's premium, deductible, copays, pharmacy network or star rating, go to the Medicare Plan Finder or the plan's own Evidence of Coverage.

How do I qualify for a C-SNP in Richmond?

You qualify for a C-SNP by having one of the chronic conditions the plan is built for, and by having a provider confirm that diagnosis in writing. The plan will ask for that verification when you apply, and if a provider cannot confirm the condition within the window CMS allows after enrollment, the plan has to disenroll you.

A C-SNP is not a plan you join because it looks appealing on paper. If you do not have the qualifying diagnosis, you are not eligible — even during Annual Enrollment. If you do have one, the plan can be designed around the specialists, medications and care steps that condition usually calls for.

When can someone with a qualifying condition enroll?

People with a qualifying chronic condition have their own Special Enrollment Period for C-SNPs. You are not boxed in by the October 15 – December 7, 2026 Annual Enrollment Period: once you have the qualifying diagnosis, you generally have a chance to enroll in a C-SNP outside the standard windows. The Special Enrollment Period for C-SNPs ends once you make an enrollment using it.

If you are already in a C-SNP and your diagnosis no longer qualifies — for example, the plan requires ongoing treatment and that treatment ends — you also get a Special Enrollment Period to change to another Medicare Advantage plan or return to Original Medicare. For dates and rules specific to your situation, medicare.gov and 1-800-MEDICARE are the official sources.

What is changing for Medicare in 2027 that C-SNP shoppers should know?

Two Part D figures confirmed by CMS apply to drug coverage in every Medicare Advantage plan with Part D, C-SNPs included: for 2027, the Part D out-of-pocket cap rises to $2,400 (from $2,100 in 2026), and the Part D maximum deductible rises to $700 (from $615 in 2026). The 2027 Part B standard premium and deductible, and the 2027 IRMAA income brackets, had not been published as of September 2026; CMS typically releases those later in the fall.

Across all Medicare Advantage plans in Richmond city for 2027, CMS data show 8 plans not returning, 10 new plans, and 14 renamed. If your current plan is renewing, your Annual Notice of Change (ANOC) spells out what is different for 2027. If you do nothing by December 7, 2026, your plan renews with those changes on January 1, 2027.

What should I do before the December 7 deadline?

Start with your ANOC and your diagnosis. If you have a qualifying chronic condition, ask your provider whether a C-SNP's care model fits how you already get care — especially around specialists, prescriptions and preferred hospitals. Then compare on the Medicare Plan Finder at medicare.gov, which shows each plan's premium, deductible, drug list and network for your ZIP code.

If you do not have a qualifying condition, your choices are the other Medicare Advantage plans in the county or Original Medicare (with or without a stand-alone Part D plan and a Medigap policy). Either way, the deadline to make an Annual Enrollment change effective January 1, 2027 is December 7, 2026.