Medicare Advantage plans called Special Needs Plans (SNP) are designed to provide customized care to people with specific health conditions.
A Special Needs Plan is a type of Medicare Advantage plan (also called Medicare Part C) that is designed specifically for someone with a particular disease or financial circumstance. The coverage offered by each SNP is built around providing more narrowly-focused care that better meets the needs of the patient.
Read below to learn more about Special Needs Plans and to find out if this type of coverage may be right for you.
Medicare Advantage plans offer the same benefits covered by Medicare Part A and Part B combined into one plan sold by a private insurance company.
Medicare Advantage Special Needs Plans can also cater more specifically to the needs of people with:
There also Special Needs Plans that can be available to people who reside in a long-term care facility such as a skilled nursing home.
Some Medicare SNPs are designed for people who are dual-eligible, meaning they are eligible for both Medicare and Medicaid.
Each Medicare SNP is designed to offer some unique benefits designed to serve the population for whom that plan is designed.
For example, a Medicare SNP for beneficiaries who have a chronic lung disorder may include:
In addition to the tailored benefits, Special Needs Plans provide all the same basic coverage as Original Medicare (Part A and Part B). A Medicare Advantage SNP may also offer benefits such as coverage for dental, hearing and vision care, as well as prescription drug coverage.
To be eligible for a Special Needs Plan, you must first be enrolled in Original Medicare and live in the area served by your desired plan.
The additional requirements for each type of SNP plan may also include:
You may enroll in a Medicare SNP during the annual Medicare Open Enrollment Period that runs from October 15 to December 7 every year.
You may also enroll in a Medicare SNP if you are granted a Special Election Period. You may be given a Special Election Period if:
Like other types of Medicare Advantage plans, Medicare SNPs will vary in terms of cost, coverage and availability from one location to the next.
You can call a licensed insurance agent atTTY Users: 711 24 hours a day, 7 days a week to review and compare Medicare Special Needs Plans that may be available in your area. Find out if you are eligible, and find a plan that may be the right fit for your unique health care needs.
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