SNP Overview
There are multiple types of Medicare Advantage Plans. A Special Needs Plan, also called an SNP, is a Medicare Advantage Plan that is available to a specific group of people, specifically those with specific illnesses or diseases. By having an SNP, these beneficiaries can receive a plan that is tailored to meet their benefits.
Typically with an SNP, beneficiaries must receive their care from within their plan’s network unless it is an emergency or need out-of-area dialysis. In many cases, an SNP will require beneficiaries to choose a primary care doctor or care coordinator. Beneficiaries must also have referrals to see specialists unless it is for a yearly mammogram screening or an in-network pelvic exam and pap test.
Special Needs Plans for Dually Eligible People
A Dual-Eligible Special Needs Plan, D-SNP, is meant for people who are dually eligible for Medicare and Medicaid. This plan allows people to access more benefits while significantly reducing their costs. Extra benefits of a D-SNP include prescription drug coverage, smoking cessation, fitness benefit, non-emergency transportation, hearing aids and glasses, meals, and over the counter products.
Qualifying for a D-SNP
In order to qualify for a D-SNP, you need to be eligible for both Medicare and Medicaid. To qualify for Medicare, you have to belong to one of the following: people 65 and over, younger people with End-Stage Renal Disease, and younger people with disabilities. Medicaid is based on income and is for low-income people according to their state’s criteria. If you are eligible for both Medicare and Medicaid, you’re eligible for a D-SNP.
To learn more about whether you qualify for a D-SNP, give us a call at Proinsurance Hawaii today.
