Medicare coverage built around your specific needs.
If you live with a chronic condition or have unique healthcare circumstances, a Special Needs Plan (SNP) gives you Medicare coverage specifically designed for your situation. SNPs offer tailored benefits, specialized care networks, and coordinated support that standard Medicare Advantage plans don't provide.
We specialize in helping people navigate complex coverage. No cost to you.
What is a Special Needs Plan?
A Special Needs Plan (SNP) is a type of Medicare Advantage plan specifically designed for people with certain chronic illnesses, institutional care needs, or those who qualify for both Medicare and Medicaid. SNPs restrict enrollment to people who meet specific criteria, allowing them to offer highly targeted benefits, provider networks, and drug formularies that are better aligned with the health needs of their members.
There are three types of SNPs: Chronic Condition SNPs (C-SNP) for people with conditions like diabetes, heart disease, or COPD; Dual Eligible SNPs (D-SNP) for people eligible for both Medicare and Medicaid; and Institutional SNPs (I-SNP) for people who live in or require care in an institution such as a nursing facility.
KEY BENEFITS
What you get with this plan.
Coverage tailored to your specific chronic condition or care situation
Drug formularies designed around medications commonly used for your condition
May include extras like transportation to appointments and meal delivery
Care coordination — a dedicated team helps manage your health plan and appointments
Provider networks focused on specialists relevant to your needs
Combines hospital, medical, and drug coverage in one plan
Who qualifies for a Special Needs Plan?
You may be eligible for an SNP if you:
Have a qualifying chronic condition such as diabetes, cardiovascular disease, COPD, chronic heart failure, or end-stage renal disease
Are eligible for both Medicare and Medicaid (see our Dual Special Needs Plan page)
Reside in or require care in a long-term care institution
SNPs are not for everyone — they require you to meet specific eligibility criteria. If you are unsure whether you qualify, our agents will review your situation and confirm eligibility before you apply. Eligibility requirements vary by plan and by the type of SNP.
FAQ
Frequently asked questions.
Standard Medicare Advantage plans are open to anyone who qualifies for Medicare. SNPs are restricted to people who meet specific criteria, which allows them to offer more targeted benefits and care coordination for their members' conditions.
SNPs use provider networks, and many build networks that include specialists relevant to your condition. Before enrollment, we will verify that your preferred doctors and specialists are included in the plan's network.
Yes. All Special Needs Plans are required to include prescription drug coverage (Part D), so you will not need a separate drug plan.
People who qualify for an SNP often have a Special Enrollment Period that allows them to enroll at any time of year, rather than only during the Annual Enrollment Period. Enrollment periods depend on your specific qualifying condition.
RELATED PRODUCTS
You might also consider.
Dual Special Needs Plans (D-SNP)
If you qualify for both Medicare and Medicaid, a D-SNP is specifically designed to coordinate benefits across both programs.
Medicare Advantage (Part C)
If you do not qualify for an SNP, a standard Medicare Advantage plan may still offer strong benefits for your situation.
Living with a chronic condition? You deserve a plan built for you. Let's talk.
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