Special Needs Plans

What Are Medicare Special Needs Plans (SNPs)?

Special Needs Plans (SNPs) feature tailored coverage to their group’s needs. It’s availability is dependent on the area you live, as some regions do not have it available. The companies that offer SNPs can change on a yearly basis, so be sure to check your area for this plan.

Your eligibility is also dependent on your health condition. To better tailor their benefits, providers, and prescription drug coverage to their customers, plans limit eligibility to specific illnesses and diseases.

What Are The Requirements to Join an SNP?

Your Special Needs Plan (SNP) requirements, outside of health-related specifications, include:

  • Medicare Part A and Part B coverage.
  • Your area of residence (must be in a service area).

In terms of health requirements, you must fall into one of these categories:

  • Chronic Condition SNP (C-SNP), which includes HIV/AIDS, Strokes, End-Stage Renal Disease (ESRD), Cancer, Autoimmune disorders, Dementia, etc.
  • Institutional SNP (I-SNP), means that you must live in a nursing care institution or require nursing care in your home.
  • Dual Eligible SNP (D-SNP), meaning that you must be enrolled in both Medicare and Medicaid (Medicaid eligibility is based on financial need).

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