Understanding Medicare Special Needs Plans in Harford County, Maryland
Harford County, MD offers 14 Special Needs Plans (SNPs) in 2026, including 6 with no monthly premium. Currently, about 1,384 beneficiaries are enrolled, and 30% of SNPs have a 4-star rating or higher. These plans are designed for Medicare beneficiaries who meet special eligibility criteria, such as dual coverage, qualifying chronic conditions, or residence in a long-term care facility.
Page last revised:
Enrollment data refreshed: May 2, 2026
* Each year CMS evaluates Medicare Advantage plans on a 5-star scale. Data sources
Dual Eligible Special Needs Plans (D-SNPs)
Dual Eligible Special Needs Plans (D-SNPs) are designed for people who qualify for both Medicare and Medicaid. These plans coordinate benefits to reduce costs and provide access to additional support services.
- Total D-SNP Plans: 8
- Average Premium: $7.86/mo
- Beneficiaries Enrolled: 1,252
- $0 Premium D-SNPs: 5
- Zero Cost D-SNP Plans: 5
- Most Popular D-SNP: UHC Dual Complete MD-S002 (D-SNP) with 400 enrollees
- D-SNPs Without Drug Coverage: 0
| Health Plan Name | CMS Rating* | Premium Per Mo | Network | CMS Plan ID |
|---|---|---|---|---|
| Kaiser Permanente Dual Complete Plan 2 MD | $0 | HMO D-SNP | H2172 017 0 | |
| Kaiser Permanente Dual Essential Plan 2 MD | $0 | HMO D-SNP | H2172 019 0 | |
| Alterwood Advantage Dual Secure | $28 | HMO D-SNP | H9306 004 0 | |
| Alterwood Advantage Dual Value | $31 | HMO D-SNP | H9306 007 0 | |
| UHC Dual Complete MD-Q001 | $0 | HMO-POS D-SNP | H7464 012 0 | |
| UHC Dual Complete MD-S002 | $4 | HMO D-SNP | H7464 008 2 | |
| CareFirst BlueCross BlueShield Advantage DualPrime | $0 | HMO D-SNP | H8854 002 0 | |
| HealthSpring TotalCare Plus | $0 | HMO D-SNP | H2108 041 0 |
What D-SNP plan has the highest enrollment in Harford County?
UHC Dual Complete MD-S002 (D-SNP) is the most popular D-SNP in Harford County, with 400 enrollees.
What is the total number of D-SNP options in Harford County?
There are 8 D-SNP plans in 2026, covering 1,252 beneficiaries.
Institutional Special Needs Plans (I-SNPs)
These plans cater to individuals residing in long-term care facilities, such as nursing homes, or those requiring extended skilled nursing facility care at home. The CMS website provides more information about I-SNPs and their coverage details.
- Total I-SNP Plans
- 5
- Average Premium
- $24.28/mo
- Beneficiaries Enrolled
- 45
- $0 Premium I-SNPs
- 1
- Average MOOP
- $16,300
- Most Popular I-SNP
- UHC Nursing Home Plan EX-F004 (I-SNP) with 45 enrollees
- I-SNPs Without Drug Coverage
- 0
| Health Plan Name | CMS Rating* | Premium Per Mo | Network | CMS Plan ID |
|---|---|---|---|---|
| UHC Nursing Home Plan EX-F004 | $28 | PPO I-SNP | H0710 032 0 | |
| CommuniCare Advantage ISNP | $31 | HMO I-SNP | H3727 002 2 | |
| Provider Partners Maryland Advantage Plan | $31 | HMO I-SNP | H8067 001 0 | |
| Provider Partners Maryland Community Plan | $0 | HMO I-SNP | H8067 003 0 | |
| Provider Partners Maryland Essential Plan | $31 | HMO I-SNP | H8067 004 0 |
What is the total number of I-SNP options in Harford County?
Harford County has 5 I-SNP options for 2026, serving 45 members.
How much do I-SNP plans cost on average in Harford County?
The mean monthly I-SNP premium in Harford County is $24.28, with 1 at no cost.
Chronic Condition Special Needs Plans (C-SNPs)
These plans are designed for individuals with severe or disabling chronic conditions. C-SNPs excel at coordinating your care among different medical specialists and often include extra benefits like prescription drug plans.
- Total C-SNP Plans 1
- Average Premium $51.00/mo
- Beneficiaries Enrolled 87
- $0 Premium C-SNPs 0
- Average MOOP $15,900
- Most Popular C-SNP HealthSpring Achieve (C-SNP) with 87 enrollees
- C-SNPs Without Drug Coverage 0
| Health Plan Name | CMS Rating* | Premium Per Mo | Network | CMS Plan ID |
|---|---|---|---|---|
| HealthSpring Achieve | $51 | HMO C-SNP | H2108 030 0 |
What is the typical monthly premium for C-SNPs in Harford County?
On average, C-SNP plans in Harford County cost $51.00 per month.
Which C-SNP plan do most beneficiaries with chronic conditions choose in Harford County?
The leading C-SNP in Harford County is HealthSpring Achieve (C-SNP), with 87 members.
How many Chronic Condition SNPs are offered in Harford County?
In 2026, Harford County offers 1 C-SNPs with 87 enrollees.
Medicare Special Needs Plans have with strict enrollment windows. By knowing when and how to sign up, you’ll avoid missed deadlines and keep your healthcare coverage aligned with your needs.
Understanding Enrollment Windows
- Initial Enrollment Period (IEP): Beginning three months before you turn 65 and lasting until three months after, this is the initial chance to join Medicare. You may also select a Medicare Advantage plan if it fits your needs. Learn more
- Medicare Advantage Open Enrollment Period (MA OEP): Between January 1 and March 31, people already enrolled in Medicare Advantage can make a one-time change—switch to another plan or return to Original Medicare. Learn more
- Annual Enrollment Period (AEP): From October 15 through December 7 each year, you can make changes to your Medicare coverage for the following year. Learn more
- Special Enrollment Periods (SEPs): Life events like moving to a new service area, losing other health coverage, or becoming eligible for assistance may open a Special Enrollment Period to adjust your Medicare coverage. Learn more
Ways to Enroll in Medicare Advantage Special Needs Plans
- Consult a Licensed Agent: Call a licensed insurance agent at HealthCompare 1-833-748-3201 (TTY 711), available Monday through Friday 5am–6pm and Saturday 6am–5pm PST, for help reviewing your Medicare options.
- Contact the Plan Provider Directly: Start enrollment by reaching out to the plan provider through their website or by phone with their member services team.
- Use Medicare.gov: At Medicare.gov, you can compare Medicare Advantage plans side by side and enroll securely online.
The D-SNP, C-SNP, and I-SNP plans listed on this page are available to qualifying individuals enrolled in Medicare Part A and Part B living in Aberdeen, Aberdeen Proving Ground, Abingdon, Bel Air, Belcamp, Churchville, Darlington, Edgewood, Fallston, Forest Hill, Havre De Grace, Jarrettsville, Joppa, Pylesville, Street, Whiteford, White Hall, and all other areas of Harford County, Maryland.
Plans Offered for Enrollment through Medicare.org
Medicare Advantage and Part D plans and benefits offered by the following carriers: Medicare Advantage and Part D plans and benefits offered by the following carriers: Aetna Medicare, Anthem Blue Cross and Blue Shield, Aspire Health Plan, Baylor Scott & White Health Plan, Capital Blue Cross, Dean Health Plan, Devoted Health, Florida Blue Medicare, Freedom Health, GlobalHealth, Health Care Service Corporation, HealthSpring℠, HealthSun, Healthy Blue, Humana, Molina Healthcare, Mutual of Omaha, Medica Central Health Plan, Optimum HealthCare, Premera Blue Cross, SCAN Health Plan, Simply, UnitedHealthcare(R), Wellcare, WellPoint
- CMS.gov, Landscape Source Files — Last accessed September 26, 2025
- CMS.gov, Medicare Part C & D Performance — Last accessed October 10, 2025
- CMS.gov, Plan Benefits Package — Last accessed October 13, 2025
- CMS.gov, Medicare Advantage/Part D Contract and Enrollment Data — Last accessed May 2, 2026
Some facts and percentages shown on this page (such as average premiums, distribution of plan types, and percentage of $0 premium plans) are calculated by Medicare.org using data from the CMS Plan Benefits Package (PBP) files and Part C & D Performance files. All underlying values originate from CMS, and calculations are refreshed whenever CMS issues updated data.
To explore how 2026 Medicare SNP plans available in Harford County compare with plans offered elsewhere, you can search the Special Needs Plan directory to review options nationwide using the same authoritative data sources.
Medicare.org separates Medicare Advantage (MA/MAPD) plans and Special Needs Plans (SNPs) into different pages for clarity. As a result, plan counts, percentages, and other calculations shown here may differ from the aggregate totals published in the CMS Landscape files. All plan availability and benefit details originate from CMS.
Learn more about how we use CMS data.
- CMS.gov, "Medicare Advantage Plan Fact Sheet" — Last accessed 25 May, 2025
- Medicare.gov, "Your coverage options" — Last accessed 23 May, 2025
- Medicare.gov, "Joining a plan" — Last accessed 21 May, 2025
Medicare.org is owned and operated by Health Network Group, LLC, an Allstate company. Medicare.org provides information only and is not connected 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, Medicare Technical Operator, using a standardized, data-driven methodology designed for accurate, non-commercial Medicare plan interpretation and resolution.