Medicare Plans

Open Medicare Plan Data.

2026 Medicare Special Needs Plans in Charlotte County, FL

Last update: .

In Charlotte County, FL, there are 33 Medicare Special Needs Plans available for 2026. Approximately 6,864 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.

At a Glance

Average Monthly Premium
$1.75/mo
Plans with $0 Premium
21
Average MOOP Limit
$5,383 ($9,250 max.)
Star Ratings (Plan Mix)
4+ Stars: 84% · 3 Stars: 16% · Below 3: 0%
Average Part D Deductible
$484.91
Total SNP Enrollment
6,864
SNP Plans with the Highest Enrollment
(as of September 8, 2026)
1. UHC Dual Complete FL-D002 (D-SNP) — 1,072 enrollees
2. Humana Gold Plus - Diabetes and Heart (C-SNP) — 964 enrollees
3. UHC Complete Care FL-14 (C-SNP) — 775 enrollees

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.

Total D-SNP Plans
22
Average Monthly Premium
$1.96/mo
Beneficiaries Enrolled
3,912
$0 Premium D-SNPs
13
Zero Cost D-SNPs
10
D-SNP with the Highest Enrollment
UHC Dual Complete FL-D002 (D-SNP) with 1,072 enrollees
D-SNPs without Drug Coverage
0
D-SNP Medicare plan comparison – Charlotte County, Florida, 2026
Special Needs Plan CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
Aetna Medicare Dual Select
☆☆☆☆☆
 $0 9250.00 $615 H1609-056-0
Aetna Medicare Full Dual Select
☆☆☆☆☆
 $0 9250.00 $615 H1609-078-0
Freedom Medi-Medi Full
☆☆☆☆☆
 $0 500.00 $615 H5427-087-0
Freedom Medi-Medi Partial
☆☆☆☆☆
 $0 500.00 $615 H5427-078-0
Humana Dual Integrated
☆☆☆☆☆
 $0 9250.00 $0 H1036-340-0
Humana Gold Plus SNP-DE H1036-285
☆☆☆☆☆
 $0 3400.00 $530 H1036-285-0
Humana Gold Plus SNP-DE H1036-314
☆☆☆☆☆
 $0 3400.00 $0 H1036-314-0
Optimum Emerald Full
☆☆☆☆☆
 $0 500.00 $615 H5594-017-0
Optimum Emerald Partial
☆☆☆☆☆
 $0 500.00 $615 H5594-016-0
Simply Complete Platinum
☆☆☆☆☆
 $0 500.00 $615 H5471-140-0
Simply Integrated Platinum
☆☆☆☆☆
 $0 500.00 $615 H5471-141-0
UHC Dual Complete FL-D002
☆☆☆☆☆
 $0 9250.00 $442 H1045-039-0
UHC Dual Complete FL-D003
☆☆☆☆☆
 $5 9250.00 $615 H1889-002-2
UHC Dual Complete FL-Y4
☆☆☆☆☆
 $5 9250.00 $615 H1889-026-0
Wellcare Dual Access Sync
☆☆☆☆☆
 $5 9250.00 $615 H1032-241-0
Wellcare Dual Reserve
☆☆☆☆☆
 $5 3000.00 $615 H1032-202-0
Wellcare Sunshine Health Dual Align
☆☆☆☆☆
 $5 9250.00 $615 H1032-243-0
HealthSpring TotalCare
☆☆☆☆☆
 $5 4500.00 $615 H5410-055-0
HealthSpring TotalCare Plus
☆☆☆☆☆
 $5 1500.00 $615 H5410-047-0
HumanaChoice Florida SNP-DE H5216-394
☆☆☆☆☆
 $5 4900.00 $615 H5216-394-0
UHC Dual Complete FL-D005
☆☆☆☆☆
 $5 9250.00 $615 R0759-003-0
UHC Dual Complete FL-Y5
☆☆☆☆☆
 $0 9250.00 $615 H2509-003-0
What is the total number of D-SNP plans in Charlotte County?

Charlotte County has 22 D-SNP plans for 2026, with 3,912 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: 122
  • $0 Premium Plans: 0
  • Zero Cost Plans:
  • Top I-SNP by Enrollment: UHC Nursing Home Plan FL-F001 (I-SNP) — 122 enrollees
  • Plans without Drug Coverage: 0
I-SNP Medicare plan comparison – Charlotte County, Florida, 2026
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 122 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 122 enrollees.

What is the total number of I-SNP plans in Charlotte County?

There are 3 I-SNP plans in 2026, covering 122 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 2,830
  • $0 Premium C-SNPs 8
  • Average MOOP $4,213
  • Most Popular C-SNP Humana Gold Plus - Diabetes and Heart (C-SNP) with 964 enrollees
  • C-SNPs Without Drug Coverage 0
C-SNP Medicare plan comparison – Charlotte County, Florida, 2026
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 964 enrollees.
How many C-SNP plans are available in Charlotte County?
In 2026, Charlotte County offers 8 C-SNP plans with 2,830 enrollees.

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 .

MedicarePlans.com is an independent, non-government informational resource and is not affiliated with or endorsed by the U.S. Government or the federal Medicare program.

Data provenance documentation is maintained in alignment with the U.S. Core Data for Interoperability (USCDI) Provenance standard .