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Browse Chronic Special Needs plans

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    What is a Chronic Special Needs plan?

     

    A UnitedHealthcare Chronic Special Needs plan (C-SNP) is a Medicare Advantage plan designed for people living with these qualifying chronic conditions:

     

    • Diabetes
    • Chronic heart failure
    • Cardiovascular disorders

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    Why choose a C-SNP with UnitedHealthcare?

     

    A UnitedHealthcare C-SNP offers coverage and reliable guidance you can count on. Benefits may include:

     

     

    • $0 annual physical exams, $0 lab tests and $0 preventive care
    • A large network of Medicare Advantage providers, including doctors and specialists
    • $0 copay on dental, vision and hearing exams
    • UCard® with monthly credit to help pay for OTC products and healthy food1
    • $0 diabetic supplies, plus coverage for foot care and diabetic shoes 
    • A 1-month supply of covered insulin prescription for $252 or less

    Plan availability and coverage may vary by service area.

    Is a C-SNP right for you?

    It might be right if...

     

    • You have diabetes, chronic heart failure, and/or cardiovascular disorders
    • You would benefit from extra care management programs to support your health
    • You would like added benefits and features at no extra cost

     

    It might not be right if...

     

    • You are eligible for a Dual Special Needs plan (D-SNP) in your area
    • You do not have a qualifying chronic condition
    • You live outside an eligible plan coverage area

    Is a C-SNP right for you?

    It might be right if...

     

    • You have diabetes, chronic heart failure, and/or cardiovascular disorders
    • You would benefit from extra care management programs to support your health
    • You would like added benefits and features at no extra cost

     

    It might not be right if...

     

    • You are eligible for a Dual Special Needs plan (D-SNP) in your area
    • You do not have a qualifying chronic condition
    • You live outside an eligible plan coverage area

    What other Special Needs plans are available?

     

    Dual Special Needs plans (D-SNPs)

    Dual Special Needs plans (D-SNPs) are for people who have both Medicare and Medicaid coverage. They combine Original Medicare benefits, plus prescription drug coverage and support to help coordinate benefits with Medicaid.

    Dual Special Needs plans
    Institutional Special Needs plans (I-SNPs)

    Institutional Special Needs plans (I-SNPs) are for people who live in a long term care setting, such as a skilled nursing facility. Institutional Equivalent Special Needs plans (IE-SNPs) are for people who receive skilled nursing care at home or in assisted living.

    Institutional Special Needs plans

    All SNPs include prescription drug coverage. Plan availability will depend on where you live.

     

    What does a Chronic Special Needs plan cover?

    A UnitedHealthcare C-SNP provides all the coverage of Original Medicare (Part A and Part B), prescription drug coverage, condition care management and low specialist copays. A C-SNP typically offers many extras like dental, hearing and vision benefits.

    What is the difference between a C-SNP and a D-SNP?

    Both plan types provide all the benefits of Original Medicare, plus prescription drug coverage. A C-SNP includes care management for chronic conditions while a D-SNP offers coordination between Medicare and Medicaid, intended to deliver benefits at lower cost to the member.

     

    Who is eligible for a Chronic Special Needs plan?

    To enroll in a C-SNP, you must be eligible for Medicare Part A and Part B and have a qualifying health condition. You will need to complete a chronic condition verification form with help from your doctor within 60 days of the plan’s start date.

    What conditions qualify for a C-SNP?

    UnitedHealthcare C-SNPs are designed for people with diabetes, chronic heart failure or cardiovascular disorders.

     

    What if there are no C-SNPs where I live?

    If a C-SNP is not available in your area, another Medicare Advantage plan may be a good fit.

     

    Explore Medicare Advantage plans  

    When can I enroll in a C-SNP plan?

     

    You can enroll during:

     

    • Your Initial Enrollment Period, the 7-month period starting three months before the month of your 65th birthday and ending three months after.
    • The Annual Enrollment Period from October 15 to December 7 each year, when you can switch from Original Medicare to a Medicare Advantage plan, choose a different Medicare Advantage plan, or change your Part D coverage.
    • The General Enrollment Period from January 1 to March 31, when you can sign up for Original Medicare if you did not enroll when you first became eligible. You may then enroll in a Medicare Advantage plan from April through June.
    • The Medicare Advantage Open Enrollment Period from January 1 to March 31, when you can switch from one Medicare Advantage plan to another. You can also drop your Medicare Advantage plan and return to Original Medicare, with or without enrolling in a Part D prescription drug plan.
    • The Chronic Condition Special Enrollment Period, which is open any time for people with severe or disabling chronic conditions covered by an available Special Needs plan. This is only allowed for enrolling in a C-SNP, and only if you do not already have a C-SNP serving the same condition.

    Note:  All Special Needs plans are Medicare Advantage plans.

     

    4 out of 5 members recommend UnitedHealthcare Medicare Advantage coverage

    Member recommendations based on Human8, May 2025.

     

    The UnitedHealthcare Right Plan Promise®

    It's our commitment to helping you find the right plan for you. Count on UnitedHealthcare for clear Medicare plan resources, easy-to-use tools and trusted guidance.

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    4 out of 5 members recommend UnitedHealthcare Medicare Advantage coverage

    Member recommendations based on Human8, May 2025.

     

    The UnitedHealthcare Right Plan Promise®

    It's our commitment to helping you find the right plan for you. Count on UnitedHealthcare for clear Medicare plan resources, easy-to-use tools and trusted guidance.

    Get started
    Geolocation: 55401%2CAL

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    Named a Best Insurance Company

    Medicare Advantage 2026 by U.S. News & World Report two years in a row

     

     

    Based on U.S. News & World Report 2025 and 2026 analysis of all Medicare Advantage plan ratings from CMS and enrollment data.

    Geolocation: 55401%2CAL
    Geolocation: 55401%2CAL

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      Footnotes

       

      Benefits, features and/or devices may vary by plan/area. Limitations, exclusions and/or network restrictions may apply. Provider network may vary by local market.

       

      Most chosen based on total plan enrollment from Medicare Enrollment Data, May 2025.

       

      Reward offerings may vary by plan and are not available in all plans. Reward program Terms of Service apply.

       

      1 OTC and food benefits have expiration timeframes. Review your Evidence of Coverage (EOC) for more information. The healthy food benefit is a special supplemental benefit only available to chronically ill enrollees with a qualifying condition, such as diabetes, chronic heart failure and/or cardiovascular disorders, and who also meet all applicable plan coverage criteria.

       

      2 You will pay a maximum of $25 for each 1 month supply of Part D covered insulin drug through all drug payment stages except catastrophic drug payment stage where you'll pay $0.

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