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Dual Special Needs Plans
A Dual Eligible Special Needs Plan (D-SNP) is a type of Medicare Advantage Special Needs Plan. It provides coverage for those who are considered dual eligible, which means they qualify for Medicare and Medicaid.
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What Is Medicare?
Medicare is the federal health insurance program that provides coverage for those who are 65 or older, younger people with disabilities, and those diagnosed with End-Stage Renal Disease.
What Is Medicaid?
Medicaid is a program jointly funded by state and federal governments, and it covers people with low incomes and limited resources.
Who Qualifies For D-SNP?
As long as you meet the eligibility requirements for both programs, you will be eligible to enroll in a D-SNP. Having a D-SNP can actually be very beneficial when it comes to the health coverage benefits and care coordination. Some D-SNPs will even provide additional coverage benefits, but this will vary by plan and carrier. These additional benefits can include:
- Prescription drug coverage
- Dental, vision, and hearing coverage
- Transportation to doctor appointments
- And more
When Can I Enroll?
Once you know you are eligible for a D-SNP, you can begin your enrollment process during regular enrollment periods, such as:
- Initial Enrollment Period – This period starts three months before the month of your 65th birthday and will end three months after your 65th birthday.
- Annual Enrollment Period – From October 15 to December 7 of each year spans the Annual Enrollment Period. During this time, people who are enrolled in Medicare Advantage or a Medicare Part D plan can drop their plans and return to Original Medicare, renew their plan contracts, or switch to a different plan.
- Special Enrollment Period – Special Enrollment Periods don’t have a specific time of year of when they occur as they are only available for people who meet certain conditions, such as becoming eligible for both Medicare and Medicaid.
Contact Us
To learn more about D-SNPs, your eligibility, and when you can enroll, give Insured For Life a call today!
