Qualify for both Medicare and Medicaid? You have more options than you think.
A Dual Special Needs Plan (D-SNP) is built specifically for people who qualify for both Medicare and Medicaid. It coordinates your benefits from both programs into one streamlined plan — often with $0 premiums, comprehensive coverage, and extra benefits you may not know you're entitled to.
Many dual-eligible beneficiaries are enrolled in the wrong plan. Let's make sure you have what you deserve.
What is a Dual Special Needs Plan?
A Dual Eligible Special Needs Plan (D-SNP) is a type of Medicare Advantage plan specifically for people who are eligible for both Medicare and Medicaid — often called "dual eligible" beneficiaries. D-SNPs are designed to coordinate benefits between the two programs, reducing complexity and ensuring you get the full range of coverage you are entitled to.
Dual eligible individuals often face complicated coverage situations, with different rules, cards, and benefit structures from Medicare and Medicaid. A D-SNP simplifies this by bringing it all under one plan with coordinated care management.
KEY BENEFITS
What you get with this plan.
$0 or very low monthly premiums for those who qualify
Prescription drug coverage (Part D) included
Care coordination support to help manage appointments and referrals
Dedicated Member Services team familiar with dual-eligible needs
Coordinates Medicare and Medicaid benefits in one plan
Dental, vision, and hearing benefits
Extras may include transportation, meals, and over-the-counter allowances
Who qualifies for a D-SNP?
You may qualify for a Dual Special Needs Plan if you:
Are enrolled in Medicare (Part A and Part B)
Are also enrolled in your state's Medicaid program
Meet your state's Medicaid income and asset requirements
Dual eligibility is more common than many people realize. If you receive SSI, qualify for Extra Help with prescription drug costs, or are enrolled in a Medicare Savings Program, you may already be dual eligible. Not sure? Our agents will review your current coverage at no charge.
FAQ
Frequently asked questions.
A D-SNP is restricted to people who qualify for both Medicare and Medicaid. It coordinates benefits across both programs and often includes richer extra benefits and more intensive care management than standard Medicare Advantage plans.
No. Enrolling in a D-SNP does not affect your Medicaid eligibility. The plan is specifically designed to work alongside your Medicaid benefits, not replace them.
In most cases, yes. Dual eligible individuals have a continuous Special Enrollment Period, which means you can enroll in, switch, or leave a D-SNP once per month throughout the year.
If you lose Medicaid eligibility, you will no longer qualify for a D-SNP and will have a Special Enrollment Period to choose a new plan. We will help you navigate this transition if it happens.
RELATED PRODUCTS
You might also consider.
Special Needs Plans (SNP)
If you have a qualifying chronic condition but do not meet Medicaid eligibility requirements, a Chronic Condition SNP may be the right fit.
Medicare Advantage (Part C)
For those who do not qualify for an SNP, standard Medicare Advantage plans offer comprehensive coverage with extra benefits.
Dual eligible coverage can be confusing. We make it simple.
Call us or fill out the form on our Contact page — it's free and there's no obligation.