C-SNP plans for 2027: fewer meals, higher costs

228,000 UnitedHealthcare members in C-SNPs, the Medicare Advantage plans for people with chronic illness, lose meals after a hospital stay in 2027.

We followed the same 1.76 million C-SNP members from their 2026 plan to their 2027 plan, benefit by benefit.

What they lose: Meals after a hospital stay, 84% to 72% of members. Almost all of that is UnitedHealthcare, whose plans still file SSBCI food for members who qualify. Small Part B givebacks under $10 nearly disappear, 16% to 3%.

What they pay more: Out-of-pocket maximum, $5,309 to $5,635. A five-day hospital stay, $1,405 to $1,575. Part D deductible, $405 to $496.

What gets better: more pay no premium (81% to 92%), and comprehensive dental reaches 81%, up from 76%.

Netted out, our Plan Value model has C-SNP members losing about $3 a month. In regular Medicare Advantage they lose $14 to $18.

C-SNPs still give far more than regular plans: SSBCI in 96% of members' plans against 8%, an OTC allowance in 96% against 54%, rides in 60% against 24%.

Lower premiums, fewer extras, more out of pocket. Same plan name, a different plan.