Special Needs Plans (SNPs) are a type of Medicare Advantage plan specifically intended for people with unique healthcare needs. There are three kinds of SNPs:
In this article, we’ll focus on C-SNPs. Chronic conditions can take many different forms and affect people with various health issues. With access to specialists and tailored benefits, C-SNPs help people manage chronic and disabling conditions and get the care they need.
C-SNPs are health insurance plans made for people who have been diagnosed with a chronic or disabling condition. They provide additional healthcare support to meet the unique needs of these individuals. Medicare requires C-SNPs to have the same coverage as Original Medicare, provide extra services to help manage a chronic condition, and prescription drug coverage included in the plan. Most C-SNPs also cover routine dental, vision, and hearing care.
There are certain qualifying conditions you must have to be eligible for a C-SNP. These eligible conditions typically make it difficult for you to perform everyday tasks, are life-threatening, or require constant management to avoid serious health consequences.
These conditions include, but are not limited to:
The goal of C-SNPs is to provide health insurance that’s more suited to people with chronic conditions. Managing chronic conditions often requires access to specialized care and services. That’s why C-SNPs come with additional benefits to broaden coverage for qualified beneficiaries.
These benefits can include:
It’s easy to mix up C-SNP and D-SNP since the acronyms are similar. Both are types of Medicare Advantage Special Needs Plans, but they differ in who they are designed for. D-SNPs, or Dual Eligible Special Needs Plans, have specialized benefits and coverage for people who have Medicare and Medicaid. C-SNPs have specialized benefits and coverage for people with chronic health issues like heart disease, lung disorders, or diabetes.
People who need C-SNPs face complex situations. Your health is always on your mind, and you should get the care you deserve.
C-SNPs can be difficult to navigate, which is especially frustrating for a population that relies on good healthcare. People enrolled in a C-SNP sometimes find it challenging to use extra benefits and understand coverage and costs. And if you don’t have a C-SNP yet, choosing the right plan is especially important to take care of your wellbeing.
Whether you have a C-SNP currently and you want to understand your benefits better or you need help finding the right C-SNP for you, our Medicare Advisors can help! Talk to a licensed Chapter Advisor who can help guide you through your current plan or the best plan for you. Call us at 855-900-2427 or schedule a time to chat for free, personalized Medicare advice.