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A dual special needs plan is a type of health insurance plan. It’s for people who have both Medicaid and Medicare. If that’s you, you’re “dual-eligible.” (That’s just another way of saying you can have Medicaid and Medicare at the same time.
Dual Special Needs Plans are for people who could use some extra help. That may be because of income, disabilities, age and/or health conditions. Dual Special Needs Plans are a type of Medicare Advantage plan. Dual Special Needs Plans are also called D-SNP for short. These names all mean the same thing.
A Dual Special Needs Plan works together with your Medicaid health plan. You’ll keep all your Medicaid benefits. Most dual health insurance plans also give you more benefits and features than you get with Original Medicare. All with as low as a $0 plan premium.
Dual Special Needs Plans are offered by private insurance companies
You can get a Dual Special Needs Plan if you meet the following qualifications:
1. You are eligible Medicare and Medicaid and have both.
2. You have Medicare Part A and Part B.
3. You live in the plan’s area.
Just like any other Medicare Advantage plan, a Dual Special Needs Plan will include coverage for Medicare Part A and Part B. It will also include Part D prescription drug coverage and extra benefits not provided by either Medicare or Medicaid.
Examples of extra benefits a Dual Special Needs Plan may provide include:
The extra benefits offered will vary by plan, provider and location.