Medicare Advantage

West Virginia Medicare Advantage Plans for Chronic Conditions in 2027: 1 C-SNPs

CHARLESTON, W.Va. — West Virginians who manage a long-term health condition will see one Chronic Condition Special Needs Plan (C-SNP) available somewhere in the state for the 2027 plan year, according to the Centers for Medicare & Medicaid Services Landscape Source Files. It is a narrow slice of a larger market: C-SNPs sit alongside 15 Dual Eligible Special Needs Plans (D-SNPs) and 3 Institutional Special Needs Plans (I-SNPs), and the state's full Medicare Advantage lineup totals 70 plans.

What is a C-SNP and who qualifies for one in West Virginia?

A Chronic Condition Special Needs Plan is a type of Medicare Advantage plan designed for people living with a specific severe or disabling chronic illness, and enrollment requires a provider to verify the qualifying condition. That verification step is what sets a C-SNP apart from a general Medicare Advantage plan: a prospective member needs documentation from a treating clinician confirming the diagnosis the plan is built around.

C-SNPs typically coordinate care around that condition and, in most cases, include Part D prescription drug coverage. Beyond the eligibility rule, the standard Medicare Advantage requirements still apply — a person must have Medicare Parts A and B and live in the plan's service area.

How many C-SNPs are offered in West Virginia for 2027, and who offers them?

For 2027, West Virginia has 1 C-SNP available statewide, offered by a single carrier, UnitedHealthcare. That one plan sits within a broader Medicare Advantage field of 70 plans in the state, with 15 D-SNPs and 3 I-SNPs rounding out the Special Needs Plan category.

Because availability is set county by county, the statewide count of 1 does not mean the plan appears in every West Virginia county. According to the CMS Landscape file for 2027, the C-SNP is listed in 17 counties. The companion tables on this page show the plan and carrier in full; readers can match their county to the plan's service area there.

Which chronic conditions are named in West Virginia's 2027 C-SNP plan names?

For 2027, the single C-SNP listed in West Virginia — UHC Complete Care WV-7 (HMO-POS C-SNP) from UnitedHealthcare — does not name a specific chronic condition in its plan title. CMS marks it as a C-SNP with drug coverage and as new for the coming plan year.

Because this explainer only identifies a condition when the plan's name states it, the specific qualifying condition for this plan is not listed here. Readers can confirm which chronic condition the plan is built around by checking the plan's details on the Medicare Plan Finder at medicare.gov, by calling 1-800-MEDICARE, or by reviewing the plan's Evidence of Coverage directly.

Is there a Special Enrollment Period for West Virginians with a qualifying chronic condition?

Yes. People in West Virginia who are diagnosed with a qualifying severe or disabling chronic condition can use a Special Enrollment Period to join a C-SNP outside the fall Annual Enrollment window, under the Medicare enrollment rules published at medicare.gov. The SEP is tied to the diagnosis itself, which is why the provider verification piece matters.

That said, the Annual Enrollment Period remains the main window most people use. For the 2027 plan year, Annual Enrollment 2027 runs from October 15 through December 7, 2026, and any plan choice made during that period takes effect on January 1, 2027. A separate Medicare Advantage Open Enrollment Period, from January 1 through March 31, 2027, allows one change for people already enrolled in a Medicare Advantage plan.

How can I check whether a C-SNP is offered in my West Virginia county for 2027?

The quickest way to confirm whether the 2027 C-SNP is offered in a specific West Virginia county is to use the Medicare Plan Finder at medicare.gov and enter the ZIP code, or to call 1-800-MEDICARE. The CMS Landscape file shows the plan is offered in 17 of the state's 55 counties, so the answer will depend on where the reader lives.

The tables on this page list the plan and carrier as reported to CMS for 2027. For plan-specific details — including the qualifying condition, the service area, the provider network, the drug formulary, cost sharing and star ratings — the Plan Finder and the plan's own Evidence of Coverage are the authoritative sources. This article does not quote any of those details.

Where can West Virginians get free help comparing Medicare plans for 2027?

Free, unbiased help with Medicare questions is available year-round from Medicare directly. The Medicare Plan Finder at medicare.gov lets anyone compare every Medicare Advantage, Part D and Medigap option available in their ZIP code, and 1-800-MEDICARE (TTY 1-877-486-2048) is staffed 24 hours a day, seven days a week.

For people considering a C-SNP, it helps to have the qualifying diagnosis documented before shopping, since enrollment hinges on that verification. Bringing a current medication list and the names of preferred doctors and hospitals to a Plan Finder session also makes comparisons more useful.