Special Needs Plans

Special Needs Plans

Medicare provides health insurance coverage to a variety of beneficiaries. One of Medicare’s biggest goals is to provide coverage that works for all of their beneficiaries. In this effort, their Special Needs Plans are an excellent way to get specific coverage.

Why Choose a Special Needs Plan?

Choosing to enroll in a Special Needs Plan is an important decision and one that can give you access to a wide variety of medical technology, therapies and professionals.  By enrolling in the right Special Needs Plan, you can gain coverage designed specifically for those with your diagnosis.  This feature is one of the reasons why Special Needs Plans are so highly recommended.

There are three types of Special Needs Plans to be eligible for:

  • Dual-Eligible (D-SNP): This is a plan for individuals who are eligible for Medicare and Medicaid.
  • Chronic-Condition (C-SNP): This plan is for individuals who have disabling chronic conditions.
  • Institutional (I-SNP): This plan is for individuals who live in an institutional setting, like a nursing home. If you receive nursing care at home, you may also be eligible for this plan.

Who Sells Special Needs Plans?

Special Needs Plans are a type of Medicare Advantage policy. Medicare Advantage is sold through private insurance companies that work closely with Medicare to ensure their policies and regulations are being upheld.

If you’re ready to enroll in a Special Needs Plan, it’s important to research the insurance providers in your area and see what policies are available. If you’d like to get care from a certain specialist, see if there is a policy that includes them in the coverage.

Is a Special Needs Plan Right For Me?

If you believe you are eligible for one of the three types mentioned above, consider enrolling in a Special Needs Plan. This type of policy can provide you with extensive healthcare insurance and provide you with access to professionals who are experts in their field. Being able to make wise insurance choices begins with researching, so always remember to take a look at what options are available in your area.

If you have questions about enrolling or are looking to work with an experienced insurance agency in the Reno, NV, area, give us a call.