I-SNP: Institutional Special Needs Plan
A Medicare Advantage plan for people who live in a nursing home or long-term care facility — or who need that level of care at home — with care brought directly to where they live.
What is a I-SNP?
An Institutional Special Needs Plan (I-SNP) is a type of Medicare Advantage plan for people who live in a long-term care facility — such as a nursing home — or who need an institutional level of care for an extended period, even while living at home.
I-SNPs bring care directly to where you live, often with providers who visit on-site, and coordinate the specialized, ongoing care that residents of these facilities need. This can reduce the need to travel for routine medical care.
Who Qualifies?
You may qualify for an I-SNP if the following apply to you or a loved one:
- You live in — or are expected to live for 90 days or longer in — a nursing home or long-term care facility.
- You need an institutional level of care, which in some cases can also be provided at home.
- You are enrolled in Medicare Part A and Part B and live within the plan’s service area.
A needs assessment is used to confirm the required level of care. Availability varies by facility and area.
Potential Benefits
Is this right for you? An I-SNP may be a good fit if you or a loved one lives in a care facility, or needs that level of ongoing care at home. The only way to know for sure is to review your individual situation together.
Common I-SNP Questions
Can an I-SNP help someone still living at home?
Yes. If a person needs an institutional level of care but receives it at home, they may still qualify. A needs assessment helps confirm this.
I am helping a parent — can I set this up for them?
Absolutely. Many families reach out on behalf of a parent or loved one. I am happy to walk all of you through the options together.
Does the plan work with our current facility?
I-SNPs work with specific facilities and networks. In a free appointment, I can help check whether a plan works with your facility.
Let's Talk About Your Situation
Every I-SNP is different, and so is every person. Book a free, no-pressure appointment and I'll help you understand whether a Institutional 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.