Medicare Special Needs Plans

Medicare Advantage SNP Plans

Specials Need Plans (SNP) plans are a type of Medicare Advantage plans that serve specific groups of enrollees. There are 3 types of SNP plans:

  • D-SNPs or Dual Eligible Special Needs Plans
  • C-SNPs or Chronic Condition Special Needs Plans
  • I-SNPs or Institutional Special Needs Plans

In order to qualify for a SNP plan, you must:

  • Live in the plan’s service area
  • Be enrolled in Medicare Parts A and B
  • Live in an institution
  • Be diagnosed with a chronic or serious condition
  • Qualify for Medicaid

If you meet the eligibility requirements and want more information about a Medicare Advantage SNP plan, please give us a call.  We would love to help you find the plan that is right for you!

What is a D-SNP Medicare Advantage plan?

D-SNP plans are for those Medicare enrollees that qualify for both Medicare and Medicaid. Depending on your level of Medicaid benefits and the plan you choose, your out-of-pocket costs will differ. To enroll in a D-SNP plan, you must qualify for Medicaid before applying for the plan.

What is a C-SNP Medicare Advantage plan?

C-SNP plans have benefits tailored to specific chronic or serious conditions. Some examples of conditions that may qualify for a C-SNP plan:

  • Diabetes
  • Cancer
  • Heart Failure
  • Dementia
  • Chronic Lung Disorders
  • ESRD (End Stage Renal Disease)

What is an I-SNP Medicare Advantage plan?

I-SNPs are Special Needs plans for those that live in an institution (like a nursing home) or require nursing care at home.

How do I join a SNP Medicare Advantage plan?

Before joining a SNP plan, you must meet the qualifications outlined by the plan. Our agency would be happy to help you enroll in a SNP plan or help you determine if you qualify.

If I no longer qualify for a SNP plan, will they end my coverage?

Your Medicare SNP will inform you if you no longer qualify for the plan (i.e. you move out of an institution or no longer qualify for Medicaid). After you no longer qualify for the plan, you will have a grace period of at least 1 month before you are disenrolled. Losing eligibility for a SNP plan will also trigger a Special Enrollment period where you can select a new Medicare Advantage plan. Coverage in your new plan will start the first of the month after you enroll.