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  • Writer's pictureChristopher Meininger

Special Needs Plans: An Alternative to Traditional Medicare Advantage Plans

The cost burden of Medicare Advantage (MA) plans can be a challenge for many older adults. You may have heard of Special Needs Plans (SNPs) but are not familiar with them. SNPs are a type of Medicare Advantage plans. Individuals are eligible to enroll in an SNP if they: 1) live in certain institutions (like nursing homes) or live in the community but require nursing care at home, or 2) are eligible for both Medicare and Medicaid, or 3) have specific chronic or disabling conditions (like diabetes, End-Stage Renal Disease (ESRD), HIV/AIDS, chronic heart failure, or dementia). Individual SNPs often cover specialty care that may otherwise be excluded under traditional Medicare Advantage plans. While SNPs normally cost about the same as traditional MA plans, older adults eligible for Medicaid will have costs waived.


Eligible individuals may enroll in an SNP anytime; there are no deadlines for enrollment. For more information, visit the link below.



Special Needs Plans (SNP) | Medicare

Special Needs Plans (SNPs) are Medicare Advantage Plans that limit membership and tailor to people with specific diseases/characteristics.



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