Understanding Medicare Special Needs Plans in Saratoga County, New York
In Saratoga County, NY, Medicare beneficiaries have access to 20 Special Needs Plans (SNPs) in 2026. Among them, 2 are available at a $0 premium. About 3,224 people in the County are enrolled, with 41% of SNPs rated 4 stars or higher. These plans are designed for individuals with specific healthcare needs, including dual eligibility for Medicare and Medicaid, chronic conditions, or long-term care requirements.
Page last revised:
Enrollment data refreshed: December 15, 2025
* 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: 16
- Average Premium: $40.29/mo
- Beneficiaries Enrolled: 2,732
- $0 Premium D-SNPs: 1
- Zero Cost D-SNP Plans: 15
- Most Popular D-SNP: UHC Dual Complete NY-S4 (D-SNP) with 1,028 enrollees
- D-SNPs Without Drug Coverage: 0
| Health Plan Name | CMS Rating* | Premium Per Mo | Network |
|---|---|---|---|
| UHC Dual Complete NY-S001 | $53 | PPO D-SNP | |
| MVP DualAccess | $55 | HMO D-SNP | |
| MVP DualAccess Complete | $59 | HMO D-SNP | |
| UHC Dual Complete NY-Q001 | $31 | HMO-POS D-SNP | |
| UHC Dual Complete NY-S4 | $6 | HMO-POS D-SNP | |
| Aetna Medicare Full Dual | $23 | HMO D-SNP | |
| Aetna Medicare Partial Dual | $6 | HMO D-SNP | |
| EmblemHealth VIP Dual | $59 | HMO D-SNP | |
| Humana Gold Plus SNP-DE H3533-002 | $0 | HMO D-SNP | |
| HumanaChoice SNP-DE H5970-020 | $1 | PPO D-SNP | |
| Wellcare Dual Access | $59 | HMO D-SNP | |
| Wellcare Dual Access Open | $59 | PPO D-SNP | |
| Wellcare Fidelis Dual Align | $59 | HMO D-SNP | |
| Wellcare Fidelis Dual Liberty Sync | $59 | HMO D-SNP | |
| Nascentia Dual Advantage | $59 | HMO D-SNP | |
| Nascentia Medicaid Advantage Plus | $59 | HMO D-SNP |
What is the total number of D-SNP options in Saratoga County?
There are 16 D-SNP plans in 2026, covering 2,732 beneficiaries.
How much do D-SNP plans cost on average in Saratoga County?
The average D-SNP premium is $40.29, with 1 costing $0.
What D-SNP plan has the highest enrollment in Saratoga County?
UHC Dual Complete NY-S4 (D-SNP) is the most popular D-SNP in Saratoga County, with 1,028 enrollees.
What is the total number of D-SNP options in Saratoga County?
There are 16 D-SNP plans in 2026, covering 2,732 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
- 3
- Average Premium
- $58.80/mo
- Beneficiaries Enrolled
- 116
- $0 Premium I-SNPs
- 0
- Average MOOP
- $16,333
- Most Popular I-SNP
- UHC Nursing Home Plan NY-F001 (I-SNP) with 101 enrollees
- I-SNPs Without Drug Coverage
- 0
| Health Plan Name | CMS Rating* | Premium Per Mo | Network |
|---|---|---|---|
| Aetna Medicare Longevity | $59 | PPO I-SNP | |
| UHC Nursing Home Plan NY-F001 | $59 | PPO I-SNP | |
| Nascentia Skilled Nursing Facility | $59 | HMO I-SNP |
What I-SNP plan has the highest enrollment in Saratoga County?
UHC Nursing Home Plan NY-F001 (I-SNP) is the most popular I-SNP in Saratoga County, with 101 enrollees.
What is the total number of I-SNP options in Saratoga County?
There are 3 I-SNP plans in 2026, covering 116 beneficiaries.
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.
| Health Plan Name | CMS Rating* | Premium Per Mo | Network |
|---|---|---|---|
| UHC Complete Care NY-33 | $0 | HMO-POS C-SNP |
What is the average premium for C-SNP plans in Saratoga County?
On average, C-SNP plans in Saratoga County cost $0.00 per month.
Which C-SNP is the most popular in Saratoga County?
The leading C-SNP in Saratoga County is UHC Complete Care NY-33 (C-SNP), with 376 members.
How many C-SNP plans are available in Saratoga County?
In 2026, Saratoga County offers 1 C-SNPs with 376 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.
Key Medicare Enrollment Periods
- Initial Enrollment Period (IEP): This seven-month window starts three months before the month you turn 65 and ends three months after. It’s the first time you can sign up for Medicare and, if you choose, a Medicare Advantage plan. 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
How to Sign Up for a Special Needs Plan
- Licensed Agent Assistance: For one-on-one guidance, contact HealthCompare at 1-833-748-3201 (TTY 711). Agents are available Monday through Friday 5am–6pm and Saturday 6am–5pm PST.
- 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 Ballston Lake, Ballston Spa, Burnt Hills, Clifton Park, Galway, Mechanicville, Rexford, Stillwater, Waterford, South Glens Falls, Corinth, Gansevoort, Greenfield Center, Hadley, Middle Grove, Porter Corners, Saratoga Springs, Schuylerville, and all other areas of Saratoga County, New York.
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 Plan IDs Presented
The Medicare Special Needs Plan pages listed in the tables above include localization to assist beneficiaries with plans available in their service area. However, most Part C plans are available in more than one service area, which can lead to confusion. The following list of CMS IDs links to our master plan pages without localization.
- 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 December 15, 2025
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 Saratoga 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, "Compare types of Medicare Advantage Plans" — 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 managed by David Bynon, Medicare Analyst.