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  1. 🏠
  2. Special Needs Plans
  3. Florida
  4. Hernando County

2026 Medicare Special Needs Plans in Hernando County, FL

Last update: May 10, 2026. Enrollment data updated: June 13, 2026

In Hernando County, FL, there are 55 Medicare Special Needs Plans available for 2026. Approximately 19,250 beneficiaries are enrolled, and about 87% 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 Hernando County, FL to explore other types of coverage available locally.

  • D-SNP Plans
  • C-SNP Plans
  • I-SNP Plans

At a Glance

County-level summary of Medicare Special Needs Plan availability and enrollment based on CMS data.

Average Monthly Premium
$1.75/mo
Plans with $0 Premium
35
Average MOOP Limit
$3,963 ($9,250 max. Excludes zero-cost D-SNPs.)
Star Ratings (Plan Mix)
4+ Stars: 87% · 3 Stars: 13% · Below 3: 0%
Average Part D Deductible
$419.49
Total SNP Enrollment
19,250
SNP Plans with the Highest Enrollment
(as of June 13, 2026)
1. Optimum Diamond Rewards (C-SNP) — 6,218 enrollees
2. Advantage Care by Ultimate (C-SNP) — 2,406 enrollees
3. Optimum Diamond Rewards COPD (C-SNP) — 1,374 enrollees

D-SNP Plans (Dual Eligible Special Needs Plans)

Dual Eligible Special Needs Plans (D-SNPs) in Hernando County are Medicare Advantage plans for individuals eligible for both Medicare and Medicaid.

Total D-SNP Plans
31
Average Monthly Premium
$2.32/mo
Beneficiaries Enrolled
6,275
$0 Premium D-SNPs
16
Zero Cost D-SNPs
14
D-SNP with the Highest Enrollment
Humana Gold Plus SNP-DE H1036-314 (D-SNP) with 1,243 enrollees
D-SNPs without Drug Coverage
0
D-SNP Medicare plan comparison – Hernando County, Florida, 2026
Special Needs Plan CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
DEVOTED DUAL 024 FL
☆☆☆☆☆
$0 3900.00 $615 H1290-024-0
DEVOTED DUAL PLUS 052 FL
☆☆☆☆☆
$0 9250.00 $615 H1290-052-0
Aetna Medicare Dual Select
☆☆☆☆☆
$5 9250.00 $615 H1609-044-0
Aetna Medicare Dual Select
☆☆☆☆☆
$0 9250.00 $615 H1609-019-0
Aetna Medicare Full Dual Select
☆☆☆☆☆
$5 9250.00 $615 H1609-088-0
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 Fully Integrated H1036-280
☆☆☆☆☆
$0 3400.00 $20 H1036-280-0
Humana Gold Plus SNP-DE H1036-102
☆☆☆☆☆
$0 1500.00 $0 H1036-102-0
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
☆☆☆☆☆
$5 500.00 $615 H5471-082-0
Simply Complete Platinum
☆☆☆☆☆
$5 500.00 $615 H5471-118-0
Simply Integrated
☆☆☆☆☆
$5 500.00 $615 H5471-131-0
Simply Integrated Platinum
☆☆☆☆☆
$0 500.00 $615 H5471-135-0
UHC Dual Complete FL-D002
☆☆☆☆☆
$0 9250.00 $442 H1045-039-0
Advantage Plus by Ultimate
☆☆☆☆☆
$0 500.00 $615 H2962-036-0
Advantage Plus by Ultimate
☆☆☆☆☆
$5 500.00 $615 H2962-035-0
UHC Dual Complete FL-D003
☆☆☆☆☆
$5 9250.00 $615 H1889-002-1
UHC Dual Complete FL-Y4
☆☆☆☆☆
$5 9250.00 $615 H1889-026-0
Wellcare Dual Access Sync
☆☆☆☆☆
$5 9250.00 $615 H1032-244-1
Wellcare Dual Reserve
☆☆☆☆☆
$5 3000.00 $615 H1032-202-0
Wellcare Sunshine Health Dual Align
☆☆☆☆☆
$5 9250.00 $615 H1032-245-1
HealthSpring TotalCare
☆☆☆☆☆
$5 2950.00 $615 H5410-046-0
HealthSpring TotalCare Plus
☆☆☆☆☆
$5 1500.00 $615 H5410-032-0
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-Y001
☆☆☆☆☆
$0 9250.00 $615 H2509-001-0
UHC Dual Complete FL-Y5
☆☆☆☆☆
$0 9250.00 $615 H2509-003-0
What is the total number of D-SNP plans in Hernando County?

Hernando County has 31 D-SNP plans for 2026, with 6,275 enrollees.

How much do D-SNP plans cost in Hernando County?

The typical D-SNP premium in Hernando County is $2.32, and 16 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: 5
  • Average Monthly Premium: $3.84/mo
  • Beneficiaries Enrolled: 55
  • $0 Premium Plans: 1
  • Zero Cost Plans:
  • Top I-SNP by Enrollment: UHC Nursing Home Plan FL-F001 (I-SNP) — 31 enrollees
  • Plans without Drug Coverage: 0
I-SNP Medicare plan comparison – Hernando 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
Longevity Health Plan
☆☆☆☆☆
$5 9250.00 $615 H1644-001-0
SECUR Advantage
☆☆☆☆☆
$5 8300.00 $615 H3048-001-0
SECUR Edge
☆☆☆☆☆
$0 3400.00 $615 H3048-003-0
SECUR Enhanced
☆☆☆☆☆
$5 2500.00 $615 H3048-002-0
What is the total number of I-SNP plans in Hernando County?

There are 5 I-SNP plans in 2026, covering 55 enrollees.

How much do I-SNP plans cost in Hernando County?

The average I-SNP premium in Hernando County is $3.84 per month, with 1 plans offering $0 premiums.

What is the most popular I-SNP plan in Hernando County?

UHC Nursing Home Plan FL-F001 (I-SNP) is the top I-SNP in Hernando County, with 31 enrollees.

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

There are 5 I-SNP plans in 2026, covering 55 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 19
  • Average Monthly Premium $0.25/mo
  • Beneficiaries Enrolled 12,920
  • $0 Premium C-SNPs 18
  • Average MOOP $6,411
  • Most Popular C-SNP Optimum Diamond Rewards (C-SNP) with 6,218 enrollees
  • C-SNPs Without Drug Coverage 0
C-SNP Medicare plan comparison – Hernando County, Florida, 2026
Health Plan Name CMS Rating* Premium Per Mo Network
Aetna Medicare Chronic Care
☆☆☆☆☆
$0 4200.00 $200 H1609-082-0
Freedom VIP Care
☆☆☆☆☆
$0 1000.00 $0 H5427-070-0
Freedom VIP Savings
☆☆☆☆☆
$0 3400.00 $0 H5427-072-0
Freedom VIP Savings COPD
☆☆☆☆☆
$0 3400.00 $0 H5427-077-0
Humana Gold Plus - Diabetes and Heart
☆☆☆☆☆
$0 3300.00 $615 H1036-338-0
Humana Gold Plus - Diabetes and Heart
☆☆☆☆☆
$0 2000.00 $615 H1036-299-0
Humana Gold Plus Lung
☆☆☆☆☆
$0 2000.00 $615 H1036-312-0
Optimum Diamond
☆☆☆☆☆
$0 1000.00 $0 H5594-036-0
Optimum Diamond Rewards
☆☆☆☆☆
$0 1750.00 $0 H5594-028-0
Optimum Diamond Rewards COPD
☆☆☆☆☆
$0 1750.00 $0 H5594-029-0
Simply Level
☆☆☆☆☆
$0 3450.00 $0 H5471-075-0
Simply Level Platinum
☆☆☆☆☆
$0 2450.00 $0 H5471-119-0
UHC Complete Care FL-14
☆☆☆☆☆
$0 3400.00 $270 H1045-048-3
Advantage Care by Ultimate
☆☆☆☆☆
$0 1750.00 $0 H2962-021-0
Advantage Care COPD by Ultimate
☆☆☆☆☆
$0 1750.00 $0 H2962-025-0
Gold Dialysis & Kidney
☆☆☆☆☆
$0 3100.00 $0 H1526-003-0
Gold Dialysis & Kidney Complete
☆☆☆☆☆
$5 9250.00 $615 H1526-004-0
Gold Heart & Diabetes
☆☆☆☆☆
$0 2700.00 $0 H1526-001-0
Gold Heart & Diabetes Complete
☆☆☆☆☆
$0 9250.00 $615 H1526-002-0
What is the average monthly premium for C-SNP plans in Hernando County?
C-SNP plans in Hernando County cost $0.25 per month.
Which C-SNP plan has the highest enrollment in Hernando County?
The most popular C-SNP plan in Hernando County is Optimum Diamond Rewards (C-SNP), with 6,218 enrollees.
How many C-SNP plans are available in Hernando County?
In 2026, Hernando County offers 19 C-SNP plans with 12,920 enrollees.
  • CMS.gov, Medicare Advantage Landscape Source Files — Last accessed June 13, 2026
  • CMS.gov, Medicare Part C & D Performance Data — Last accessed June 13, 2026
  • CMS.gov, Medicare Advantage & Part D Contract and Enrollment Data — Last accessed June 13, 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

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 .

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.

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