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2026 Medicare Special Needs Plans in Indian River County, FL

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In Indian River County, FL, there are 52 Medicare Special Needs Plans available for 2026. Approximately 5,284 beneficiaries are enrolled, and about 83% 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 Indian River County, FL to explore other types of coverage available locally.

At a Glance

Average Monthly Premium
$1.55/mo
Plans with $0 Premium
34
Average MOOP Limit
$4,924 ($9,250 max.)
Star Ratings (Plan Mix)
4+ Stars: 83% · 3 Stars: 17% · Below 3: 0%
Average Part D Deductible
$451.29
Total SNP Enrollment
5,284
SNP Plans with the Highest Enrollment
(as of September 8, 2026)
1. UHC Dual Complete FL-D002 (D-SNP) — 898 enrollees
2. UHC Complete Care FL-14 (C-SNP) — 593 enrollees
3. UHC Dual Complete FL-D003 (D-SNP) — 479 enrollees

D-SNP Plans (Dual Eligible Special Needs Plans)

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

  • Total D-SNP Plans: 30
  • Average Monthly Premium: $1.89/mo
  • Beneficiaries Enrolled: 3,176
  • $0 Premium Plans: 17
  • Zero Cost Plans: 12
  • Top D-SNP by Enrollment: UHC Dual Complete FL-D002 (D-SNP) — 898 enrollees
  • Plans without Drug Coverage: 0
Comparison table of 2026 D-SNP Medicare Plans available in Indian River County, Florida
Special Needs Plan CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
DEVOTED DUAL 039 FL
☆☆☆☆☆
 $4 4900.00 $615 H1290-039-0
DEVOTED DUAL PLUS 052 FL
☆☆☆☆☆
 $0 9250.00 $615 H1290-052-0
Aetna Medicare Dual Select
☆☆☆☆☆
 $0 9250.00 $615 H1609-062-0
Aetna Medicare Full Dual Select
☆☆☆☆☆
 $0 9250.00 $615 H1609-092-0
CareNeeds Extra
☆☆☆☆☆
 $0 9250.00 $0 H1019-153-0
CareNeeds Platinum
☆☆☆☆☆
 $0 3400.00 $0 H1019-146-0
CareNeeds Plus
☆☆☆☆☆
 $0 3400.00 $0 H1019-073-0
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 H1036-339-0
Humana Gold Plus SNP-DE H1036-226
☆☆☆☆☆
 $0 6650.00 $615 H1036-226-0
HumanaChoice Florida SNP-DE H7617-113
☆☆☆☆☆
 $0 4900.00 $615 H7617-113-0
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 H5471-142-0
Simply Integrated Platinum
☆☆☆☆☆
 $0 500.00 $615 H5471-143-0
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 4500.00 $615 H5410-055-0
HealthSpring TotalCare Plus
☆☆☆☆☆
 $5 1500.00 $615 H5410-047-0
HumanaChoice Florida SNP-DE H7284-010
☆☆☆☆☆
 $5 4900.00 $615 H7284-010-0
UHC Dual Complete FL-D005
☆☆☆☆☆
 $5 9250.00 $615 R0759-003-0
UHC Dual Complete FL-Y5
☆☆☆☆☆
 $0 9250.00 $615 H2509-003-0
Florida Complete Care-Duals VIP
☆☆☆☆☆
 $5 3400.00 $615 H9986-004-2
What is the total number of D-SNP plans in Indian River County?

There are 30 D-SNP plans in 2026, covering 3,176 enrollees.

How much do D-SNP plans cost in Indian River County?

The average D-SNP premium in Indian River County is $1.89 per month, with 17 plans offering $0 premiums.

What is the most popular D-SNP plan in Indian River County?

UHC Dual Complete FL-D002 (D-SNP) is the top D-SNP in Indian River County, with 898 enrollees.

What is the total number of D-SNP plans in Indian River County?

There are 30 D-SNP plans in 2026, covering 3,176 enrollees.

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
4
Average Monthly Premium
$4.80/mo
Beneficiaries Enrolled
79
$0 Premium Plans
0
Average MOOP
$6,325
Top I-SNP by Enrollment
UHC Nursing Home Plan FL-F001 (I-SNP) — 79 enrollees
Plans without Drug Coverage
0
Comparison table of 2026 I-SNP Medicare Plans available in Indian River County, Florida
Health Plan Name CMS Rating* Premium Per Mo Network
UHC Nursing Home Plan FL-F001
☆☆☆☆☆
 $5 9250.00 $615 H0710-010-0
Florida Complete Care
☆☆☆☆☆
 $5 3400.00 $615 H9986-001-0
Florida Complete Care- In The Community
☆☆☆☆☆
 $5 3400.00 $615 H9986-002-0
Longevity Health Plan
☆☆☆☆☆
 $5 9250.00 $615 H1644-001-0
What is the most popular I-SNP plan in Indian River County?

UHC Nursing Home Plan FL-F001 (I-SNP) is the top I-SNP in Indian River County, with 79 enrollees.

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

There are 4 I-SNP plans in 2026, covering 79 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 18
  • Average Monthly Premium $0.27/mo
  • Beneficiaries Enrolled 2,029
  • $0 Premium C-SNPs 17
  • Average MOOP $4,178
  • Most Popular C-SNP UHC Complete Care FL-14 (C-SNP) with 593 enrollees
  • C-SNPs Without Drug Coverage 0
Comparison table of 2026 C-SNP Medicare Plans available in Indian River County, Florida
Health Plan Name CMS Rating* Premium Per Mo Network
CarePlus Health Plans, Inc. CareBreeze
☆☆☆☆☆
 $0 2000.00 $615 H1019-154-0
CareBreeze Platinum
☆☆☆☆☆
 $0 3800.00 $615 H1019-118-0
CarePlus Health Plans, Inc. CareComplete
☆☆☆☆☆
 $0 2000.00 $615 H1019-150-0
CareComplete Platinum
☆☆☆☆☆
 $0 3800.00 $615 H1019-109-0
Freedom VIP Rewards
☆☆☆☆☆
 $0 3400.00 $0 H5427-108-0
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 3350.00 $615 H1036-292-0
Humana Gold Plus Lung
☆☆☆☆☆
 $0 3350.00 $615 H1036-298-0
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 H1045-048-1
Advantage Care by Ultimate
☆☆☆☆☆
 $0 2800.00 $0 H2962-033-0
Advantage Care COPD by Ultimate
☆☆☆☆☆
 $0 2600.00 $0 H2962-023-0
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 Indian River County?

C-SNP plans in Indian River County cost $0.27 per month.

Which C-SNP plan has the highest enrollment in Indian River County?

The most popular C-SNP plan in Indian River County is UHC Complete Care FL-14 (C-SNP), with 593 enrollees.

How many C-SNP plans are available in Indian River County?

In 2026, Indian River County offers 18 C-SNP plans with 2,029 enrollees.

County-level figures shown on this page, including plan counts, enrollment totals, averages, and percentage distributions, reflect Medicare Special Needs Plans (SNP) only and are derived from CMS datasets using a standardized aggregation methodology.

Data sources and methodology documentation .

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