Dual Eligible Special Needs Plans (DSNP)
Health plans for people who have both Medicare and Medicaid.
What’s the difference between Medicare and Medicaid? If you’re not sure, we can help.
Medicare provides health benefits for people over age 65, as well as people younger than 65 who qualify due to a disability. Medicare is a federal program. Medicaid, on the other hand, is managed at the state level. Medicaid provides health benefits for people with low income, but the rules to qualify change from state to state.
You can have both Medicare and Medicaid at the same time.
Some people have both Medicare and Medicaid. If so, they could be “dual eligible.” That’s where dual special needs plans — or “dual” plans — come in. Dual plans combine the benefits of both Medicare and Medicaid into one simple health plan. If you have Medicare and Medicaid, chances are you could qualify for a dual plan.
Dual plans offer extra benefits at no extra cost.
Dual plans go beyond either Medicaid or Original Medicare alone. You’ll still keep the Medicaid benefits you get today. And better yet, with a dual plan, you could get many extra benefits and features than Original Medicare at no extra cost. These extra benefits may include:
- Dental care, plus credit for restorative work.
- Eye exams, plus credit for eye-wear.
- Hearing exams, plus credit for hearing devices.
- Rides to health care visits and the pharmacy.
- Credits to buy hundreds of health-related products.
As an added bonus, people who are dual eligible can usually enroll for no monthly premium. That makes a dual plan a low-cost choice too.
You can sign up at any time.
You don’t have to wait until the Medicare Open Enrollment Period. People who are eligible for a dual plan can enroll or switch to a new plan at any time during the year.
Need more information? We can help.
We’d be happy to answer your questions, and help you find out if a dual plan may be right for you or for someone you care about.