
Special Needs Plans (SNPs) are a type of Medicare Advantage plan offered by private insurance companies. SNPs are either HMOs or PPOs within defined coverage areas, designed to provide specialized care and benefits to individuals with specific health needs or financial constraints.
For example, an SNP for diabetes offers $0 co-pays for insulin, free continuous glucose monitors, tailored diabetic diet meal delivery and routine vision care to prevent eye complications.
Types of SNPs
- Institutional SNP: People who live in certain institutions (like skilled nursing homes) or who require nursing care at home
- Dual Eligible SNP: People who qualify for both Medicare and Medicaid
- Chronic Condition SNP: People who have specific chronic or disabling conditions (like diabetes, End-Stage Renal Disease, HIV/AIDS, chronic heart failure, or dementia)
As with all Medicare programs, there are benefits and limits to enrollment. Mark and Curtis can help you determine your eligibility and assess the benefits of the available SNPs in our area.
Resources: cms.gov; medicare.gov; ncoa.org
