Medicare Advantage

Wisconsin Medicare Advantage Plans for Chronic Conditions in 2027: 4 C-SNPs

MADISON, Wis. — Wisconsin residents who live with a serious ongoing health condition will see four Chronic Condition Special Needs Plans (C-SNPs) available somewhere in the state for the 2027 plan year, according to the federal Medicare Advantage Landscape files published by the Centers for Medicare & Medicaid Services. Those four plans sit inside a broader statewide total of 117 Medicare Advantage plans, which also includes 22 Dual Eligible Special Needs Plans (D-SNPs) and 2 Institutional Special Needs Plans (I-SNPs).

Chronic-condition plansWisconsin

What is a C-SNP in Wisconsin and who qualifies for one in 2027?

A Chronic Condition Special Needs Plan is a type of Medicare Advantage plan designed for people who have a specific severe or disabling chronic condition recognized by CMS. To enroll, you must have Medicare Part A and Part B, live in the plan's service area, and have the qualifying condition confirmed in writing by your treating provider. If the provider cannot verify the condition within the plan's required window, the plan cannot keep you enrolled.

C-SNPs typically coordinate care around the condition they serve, and in Wisconsin for 2027 all four C-SNPs include drug coverage, according to the CMS Landscape file.

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

Wisconsin has 4 C-SNPs for 2027, offered by 2 carriers: Humana with 1 plan and UnitedHealthcare with 3 plans. That is out of 117 Medicare Advantage plans counted statewide for 2027, a total that also includes 22 D-SNPs and 2 I-SNPs.

The full plan-by-plan list on this page shows each C-SNP, its plan type, its drug-coverage status, whether it is new for the coming year, and the number of Wisconsin counties where it is offered. Two of the four — HumanaChoice – Diabetes and Heart (PPO C-SNP) from Humana and UHC Complete Care WI-21 (HMO-POS C-SNP) from UnitedHealthcare — are listed as new for 2027. The other two UnitedHealthcare plans, UHC Complete Care WI-1 (PPO C-SNP) and UHC Complete Care WI-20 (HMO-POS C-SNP), continue from the prior year according to the CMS files.

Which chronic conditions are named in the Wisconsin C-SNP plan names for 2027?

Only one of the four Wisconsin C-SNPs names its qualifying conditions in the plan name itself: HumanaChoice – Diabetes and Heart (PPO C-SNP), from Humana, which by its name serves people with diabetes and with heart conditions. It is listed as new for 2027 and is offered in 25 Wisconsin counties.

The three UnitedHealthcare plans — UHC Complete Care WI-1 (PPO C-SNP), UHC Complete Care WI-20 (HMO-POS C-SNP), and UHC Complete Care WI-21 (HMO-POS C-SNP) — do not state the qualifying condition in the plan name, so this article does not assign one to them. If you are considering any of them, confirm the specific qualifying condition directly on Medicare.gov or in the plan's own Evidence of Coverage before you apply.

Is there a Special Enrollment Period in Wisconsin for people with a qualifying chronic condition?

Yes. People who have a CMS-recognized qualifying chronic condition can use a Special Enrollment Period to join a C-SNP outside the regular Annual Enrollment Period, as long as a plan serving that condition is available where they live and a provider verifies the diagnosis. The SEP generally allows a one-time enrollment into a C-SNP once eligibility is confirmed, and it ends when you enroll.

The regular Annual Enrollment Period still applies as well: it runs October 15 through December 7, 2026, with coverage effective January 1, 2027. If you later lose your qualifying condition status, Medicare provides a separate SEP to move to another Medicare Advantage plan or back to Original Medicare.

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

Because Medicare Advantage plans — including C-SNPs — are sold county by county, the only reliable way to see what is available at your address is to use the Medicare Plan Finder at Medicare.gov or call 1-800-MEDICARE, which is open 24 hours a day, seven days a week. Enter your ZIP code and county, then filter for Special Needs Plans.

The county counts in the CMS Landscape file help set expectations: in Wisconsin for 2027, HumanaChoice – Diabetes and Heart (PPO C-SNP) is offered in 25 counties, UHC Complete Care WI-1 (PPO C-SNP) in 32 counties, UHC Complete Care WI-20 (HMO-POS C-SNP) in 32 counties, and UHC Complete Care WI-21 (HMO-POS C-SNP) in 1 county. Wisconsin has 72 counties overall, so even the widest-reaching C-SNPs in the state are not sold everywhere.

Where can Wisconsin residents get free help comparing Medicare plans for 2027?

Free, official help is available from Medicare itself. You can call 1-800-MEDICARE (1-800-633-4227), TTY 1-877-486-2048, at any hour of any day, or use the Medicare Plan Finder on Medicare.gov to compare plans available at your address. Both sources draw on the same CMS data that produced the statewide counts in this article.

If a C-SNP is not available for your condition in your county, Medicare.gov will show the other Medicare Advantage, D-SNP, I-SNP, and Original Medicare options you may consider, along with each plan's details — the premiums, deductibles, copays, provider networks, drug lists, and star ratings that are not included in this article.