Understanding Medicare Special Needs Plans in Worcester County, Massachusetts
For 2026, residents of Worcester County, MA can choose from 15 Special Needs Plan options. Of these, 4 cost nothing beyond the Part B premium. Enrollment in the County is about 13,728, with 78% of SNPs achieving 4 stars or better. SNPs are not available to everyone — eligibility is limited to people with dual Medicare/Medicaid coverage, qualifying chronic conditions, or institutional care needs.
For a broader look at coverage beyond Special Needs Plans, see all Medicare coverage options in Worcester County, MA.
Last update: . Enrollment data last updated: September 9, 2026
* CMS rates Medicare Advantage plans annually using a 5-star system. 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
- 14
- Average Premium
- $15.49/mo
- Beneficiaries Enrolled
- 12,471
- $0 Premium D-SNPs
- 3
- Zero Cost D-SNPs
- 14
- Most Popular D-SNP
- NaviCare (D-SNP) with 4,327 enrollees
- D-SNPs Without Drug Coverage
- 0
| Plan Name | CMS Stars* | Premium/Mo | Network | CMS ID |
|---|---|---|---|---|
| Senior Whole Health SCO | $0 | HMO D-SNP | H2224 001 0 | |
| Senior Whole Health SCO NHC | $5 | HMO D-SNP | H2224 003 0 | |
| CCA Senior Care Options | $36 | HMO D-SNP | H2225 001 0 | |
| Fallon Health NaviCare | $31 | HMO D-SNP | H8928 001 0 | |
| UHC Senior Care Options MA-Y001 | $15 | HMO D-SNP | H2226 001 0 | |
| UHC Senior Care Options NHC MA-Y002 | $22 | HMO D-SNP | H2226 003 0 | |
| Tufts Health Plan Senior Care Options | $7 | HMO D-SNP | H8330 001 0 | |
| Tufts Health Plan Senior Care Options CW | $0 | HMO D-SNP | H8330 002 0 | |
| CCA One Care | $25 | HMO D-SNP | H1486 001 0 | |
| Molina One Care | $18 | HMO D-SNP | H4371 001 0 | |
| Tufts Health One Care | $37 | HMO D-SNP | H5314 001 0 | |
| Tufts Health One Care CW | $15 | HMO D-SNP | H5314 002 0 | |
| UHC One Care MA-Y3 | $0 | HMO D-SNP | H4610 001 0 | |
| UHC One Care MA-Y4 | $9 | HMO D-SNP | H4610 002 0 |
- What is the average premium for D-SNP plans in Worcester County?
- On average, D-SNP plans in Worcester County cost $15.49 per month.
- Which D-SNP is the most popular in Worcester County?
- The leading D-SNP in Worcester County is NaviCare (D-SNP), with 4,327 members.
- How many D-SNP plans are available in Worcester County?
- In 2026, Worcester County offers 14 D-SNPs with 12,471 enrollees.
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
- $0.00/mo
- Beneficiaries Enrolled
- 1,257
- $0 Premium C-SNPs
- 1
- Average MOOP
- $11,800
- Most Popular C-SNP
- UHC Complete Care MA-7 (C-SNP) with 1,257 enrollees
- C-SNPs Without Drug Coverage
- 0
| Plan Name | CMS Stars* | Premium/Mo | Network | CMS ID |
|---|---|---|---|---|
| UHC Complete Care MA-7 | $0 | HMO-POS C-SNP | H5253 155 0 |
What is the total number of C-SNP options in Worcester County?
There are 1 C-SNP plans in 2026, covering 1,257 beneficiaries.
How much do C-SNP plans cost on average in Worcester County?
The average C-SNP premium is $0.00, with 1 costing $0.
What C-SNP plan has the highest enrollment in Worcester County?
UHC Complete Care MA-7 (C-SNP) is the most popular C-SNP in Worcester County, with 1,257 enrollees.
What is the total number of C-SNP options in Worcester County?
There are 1 C-SNP plans in 2026, covering 1,257 beneficiaries.
Medicare Advantage Special Needs Plan enrollment follows specific timelines. Understanding these options—whether it’s your first time enrolling or switching plans—helps you choose coverage that matches your health and budget.
When You Can Sign Up
- Initial Enrollment Period (IEP): Lasting seven months around your 65th birthday, this period lets you enroll in Medicare for the first time. You may also choose a Medicare Advantage plan during this time. Learn more
- Medicare Advantage Open Enrollment Period (MA OEP): Each year from January 1 through March 31, you may change to another Medicare Advantage plan or drop your plan and return to Original Medicare. Learn more
- Annual Enrollment Period (AEP): This yearly window, running October 15 to December 7, gives you the opportunity to join, switch, or drop Medicare Advantage and Part D plans. Learn more
- Special Enrollment Periods (SEPs): Outside the standard enrollment dates, you may qualify for a Special Enrollment Period if specific circumstances apply, including relocation or coverage loss. Learn more
SNP Enrollment Options Explained
- Talk with a Licensed Agent: Licensed agents at HealthCompare can explain your Medicare Advantage choices. Reach them at 1-833-748-3201 (TTY 711), Monday–Friday 5am–6pm and Saturday 6am–5pm PST.
- Contact the Plan Provider Directly: Enrollment can also be completed by calling the plan provider’s customer service line or visiting their official website.
- Use Medicare.gov: The official Medicare website, Medicare.gov, lets you review available plans and complete enrollment 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 Barre, Gilbertville, Oakham, Warren, West Warren, Athol, Petersham, Royalston, Fitchburg, Ashburnham, Baldwinville, Gardner, Harvard, Hubbardston, Leominster, Lunenburg, Templeton, Westminster, Winchendon, Auburn, Berlin, Blackstone, Boylston, Brookfield, Charlton, Clinton, East Brookfield, Douglas, Fiskdale, Grafton, Holden, Jefferson, Lancaster, Leicester, Millbury, Millville, Northborough, Northbridge, North Brookfield, North Grafton, North Oxford, Oxford, Princeton, Rochdale, Rutland, Shrewsbury, Southbridge, South Grafton, Spencer, Sterling, Sturbridge, Upton, Uxbridge, Webster, Dudley, Westborough, West Boylston, West Brookfield, Whitinsville, Sutton, Worcester, Cherry Valley, Paxton, Bolton, Hopedale, Mendon, Milford, Southborough, and all other areas of Worcester County, Massachusetts. For a broader statewide overview, see Medicare plan options in Massachusetts.
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 — Version: 202608
- CMS.gov, Medicare Part C & D Performance — Version: 2026
- CMS.gov, Plan Benefits Package — Version: 2026
- CMS.gov, Medicare Advantage/Part D Contract and Enrollment Data — Version: 2026-08
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 Worcester 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.
- Medicare.gov, "Understanding Medicare Advantage Plans" — Last accessed 24 May, 2025
- Medicare.gov, "Compare Original Medicare & Medicare Advantage" — Last accessed 25 May, 2025
- NCOA.org, "5 Steps to Choosing the Right Medicare Plan for You" — Last accessed 22 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, Editorial Steward, using a standardized, data-driven methodology for accurate Medicare coverage interpretation and resolution.