2026 Medicare Special Needs Plans in Charlotte County, FL
Last update: . Enrollment data updated: May 2, 2026
In Charlotte County, FL, there are 33 Medicare Special Needs Plans available for 2026. Approximately 6,606 beneficiaries are enrolled, and about 84% are rated 4 stars or higher based on CMS quality ratings.
Special Needs Plans (SNPs) are one coverage option. Other options may include standard Medicare Advantage plans, Medicare prescription drug coverage, and Medicare Supplement insurance. Visit Medicare Options in Charlotte County, FL to explore other types of coverage available locally.
D-SNP Plans (Dual Eligible Special Needs Plans)
Dual Eligible Special Needs Plans (D-SNPs) in Charlotte County are Medicare Advantage plans for individuals eligible for both Medicare and Medicaid.
What is the total number of D-SNP plans in Charlotte County?
Charlotte County has 22 D-SNP plans for 2026, with 3,851 enrollees.
How much do D-SNP plans cost in Charlotte County?
The typical D-SNP premium in Charlotte County is $1.96, and 13 plans have no monthly premium.
I-SNP Plans (Institutional Special Needs Plans)
Institutional Special Needs Plans (I-SNPs) are Medicare Advantage plans for individuals in long-term or institutional care settings. Plan availability varies by county.
- Total I-SNP Plans: 3
- Average Monthly Premium: $4.80/mo
- Beneficiaries Enrolled: 111
- $0 Premium Plans: 0
- Zero Cost Plans:
- Top I-SNP by Enrollment: UHC Nursing Home Plan FL-F001 (I-SNP) — 111 enrollees
- Plans without Drug Coverage: 0
| Health Plan Name | CMS Rating* | Premium Per Mo | Network | ||
|---|---|---|---|---|---|
| UHC Nursing Home Plan FL-F001 | $5 | 9250.00 | $615 | H0710-010-0 | |
| American Health Advantage of Florida | $5 | 9250.00 | $615 | H6652-001-0 | |
| Longevity Health Plan | $5 | 9250.00 | $615 | H1644-001-0 |
What is the total number of I-SNP plans in Charlotte County?
There are 3 I-SNP plans in 2026, covering 111 enrollees.
How much do I-SNP plans cost in Charlotte County?
The average I-SNP premium in Charlotte County is $4.80 per month, with 0 plans offering $0 premiums.
What is the most popular I-SNP plan in Charlotte County?
UHC Nursing Home Plan FL-F001 (I-SNP) is the top I-SNP in Charlotte County, with 111 enrollees.
What is the total number of I-SNP plans in Charlotte County?
There are 3 I-SNP plans in 2026, covering 111 enrollees.
C-SNP Plans (Chronic Condition Special Needs Plans)
Chronic Condition Special Needs Plans (C-SNPs) are a category of Medicare Advantage plans offered to beneficiaries with qualifying chronic conditions, as defined by CMS program rules.
- Total C-SNP Plans 8
- Average Monthly Premium $0.00/mo
- Beneficiaries Enrolled 2,644
- $0 Premium C-SNPs 8
- Average MOOP $8,425
- Most Popular C-SNP Humana Gold Plus - Diabetes and Heart (C-SNP) with 932 enrollees
- C-SNPs Without Drug Coverage 0
| Health Plan Name | CMS Rating* | Premium Per Mo | Network | ||
|---|---|---|---|---|---|
| Freedom VIP Savings | $0 | 3400.00 | $0 | H5427-082-0 | |
| Freedom VIP Savings COPD | $0 | 3400.00 | $0 | H5427-083-0 | |
| Humana Gold Plus - Diabetes and Heart | $0 | 3300.00 | $615 | H1036-338-0 | |
| Humana Gold Plus - Diabetes and Heart | $0 | 3300.00 | $615 | H1036-311-0 | |
| Humana Gold Plus Lung | $0 | 3300.00 | $615 | H1036-310-0 | |
| Optimum Diamond Rewards | $0 | 6800.00 | $0 | H5594-034-0 | |
| Optimum Diamond Rewards COPD | $0 | 6800.00 | $0 | H5594-035-0 | |
| UHC Complete Care FL-14 | $0 | 3400.00 | $270 | H1045-048-2 |
- What is the average monthly premium for C-SNP plans in Charlotte County?
- C-SNP plans in Charlotte County cost $0.00 per month.
- Which C-SNP plan has the highest enrollment in Charlotte County?
- The most popular C-SNP plan in Charlotte County is Humana Gold Plus - Diabetes and Heart (C-SNP), with 932 enrollees.
- How many C-SNP plans are available in Charlotte County?
- In 2026, Charlotte County offers 8 C-SNP plans with 2,644 enrollees.
- CMS.gov, Medicare Advantage Landscape Source Files — Last accessed May 2, 2026
- CMS.gov, Medicare Part C & D Performance Data — Last accessed May 2, 2026
- CMS.gov, Medicare Advantage & Part D Contract and Enrollment Data — Last accessed May 2, 2026
This page presents county-level Medicare Special Needs Plans (SNP) data, including plan counts, enrollment totals, averages, and percentage distributions, derived from CMS datasets using a standardized aggregation approach.
Data sources and methodology documentation .
- Medicare.gov, "Compare types of Medicare Advantage Plans" — Last accessed 25 May, 2025
- Medicare.gov, "Your coverage options" — Last accessed 23 May, 2025
- AARP.org, "The Big Choice: Original Medicare vs. Medicare Advantage" — Last accessed 20 May, 2025
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Data provenance documentation is maintained in alignment with the U.S. Core Data for Interoperability (USCDI) Provenance standard .
Page content independently curated and maintained by David W. Bynon, Editorial Steward, using a standardized, data-driven methodology for accurate, non-commercial Medicare plan interpretation and resolution.