Medicare Special Needs plans
Medicare Special Needs plans (SNPs) provide benefits and services to people with certain medical or financial needs.
You may be eligible for a SNP if you meet certain conditions.
What is a Medicare Special Needs plan (SNP)?
A Special Needs plan (SNP) is a Medicare Advantage plan with benefits designed to meet certain health care or financial needs. There are three kinds of Special Needs plans:
Dual Special Needs plan (D-SNP)
A Dual Special Needs plan is for people who are “dual eligible,” which means they qualify for both Medicare and Medicaid benefits. To verify your Medicaid eligibility, call your State Medical Assistance (Medicaid) office.
Most D-SNPs provide care coordination between Medicare and Medicaid. Some offer dental, vision and hearing coverage, virtual doctor visits, credits to buy healthy products, and transportation assistance.
Learn more about Dual Special Needs plans
Chronic Special Needs plan (C-SNP)
A Chronic Special Needs plan is for people living with certain severe or disabling chronic conditions.
The Centers for Medicare & Medicaid Services (CMS) allows insurance companies to offer C-SNPs for 15 chronic conditions, from diabetes to cardiovascular disorders. Plans may not be available for all those conditions. Check directly with providers in your area to see if they offer plans that meet your needs.
Learn more about Chronic Special Needs plans
Institutional Special Needs plans
An Institutional Special Needs plan (I-SNP) is for people who need the level of services provided in a long-term care facility. To enroll in an I-SNP, you must be a Medicare beneficiary entitled to Medicare Part A and enrolled in Part B, and a long-term resident of a participating nursing home.
An Institutional Equivalent Special Needs Plan (IE-SNP) is for someone who needs the same nursing home level of care, but can live in an assisted living, independent living or memory care community. This is still considered a type of I-SNP.
Learn more about Institutional Special Needs plans
All SNPs include Medicare Part A and Part B benefits and Medicare Part D prescription drug coverage. Availability of plans will depend on where you live.
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