D-SNP: Dual Eligible Special Needs Plan
A special type of Medicare Advantage plan for people who qualify for both Medicare and Medicaid — often with $0 monthly premiums and extra benefits that work together in one plan.
What is a D-SNP?
A Dual Eligible Special Needs Plan (D-SNP) is a Medicare Advantage plan designed specifically for people who are enrolled in both Medicare and Medicaid. These plans bring your Medicare and Medicaid benefits together into a single plan, so your coverage works as one instead of leaving you to manage two separate programs.
Because Medicaid already helps cover many of your health care costs, D-SNPs typically come with $0 monthly premiums and very low or no out-of-pocket costs for covered services. Many also include extra benefits you would not get with Original Medicare alone.
Who Qualifies?
You may qualify for a D-SNP if all of the following apply to you:
- You are enrolled in Medicare Part A and Part B.
- You also qualify for Medicaid in your state (full or partial benefits).
- You live within the plan’s service area.
Eligibility and available benefits vary by state and by plan. I can help you confirm whether you qualify.
Potential Benefits
Is this right for you? A D-SNP may be a good fit if you receive help from Medicaid, are on a fixed income, or want your Medicare and Medicaid benefits managed together in one simple plan. The only way to know for sure is to review your individual situation together.
Common D-SNP Questions
Do I have to pay a monthly premium for a D-SNP?
Most D-SNP members pay a $0 monthly plan premium because Medicaid helps cover the cost. Your exact costs depend on your level of Medicaid eligibility and the plan you choose.
What happens to my Medicaid benefits?
You keep your Medicaid benefits. A D-SNP is designed to work alongside Medicaid and coordinate the two programs so your coverage works together.
How do I know if I qualify for both Medicare and Medicaid?
That is exactly what I can help you check. In a quick, free appointment we can review your situation and confirm whether you are eligible for a D-SNP.
Let's Talk About Your Situation
Every D-SNP is different, and so is every person. Book a free, no-pressure appointment and I'll help you understand whether a Dual Eligible Special Needs Plan fits your individual needs.
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options. This site is not connected with or endorsed by the U.S. government or the federal Medicare program. Andres Trinidad is a licensed insurance agent (CA License #0L68467). Enrollment in a plan may be limited to specific enrollment periods.