sunrise-over-mountains sunrise-over-mountains_mobile





Finding a health insurance plan that fits your needs is so important. Dual special needs plans, also called dual eligible plans, dual plans, or D-SNPs, are a type of Medicare Advantage plan. D-SNPs are meant for people who have both Medicare and Medicaid. Here’s how you can decide if a D-SNP is right for you.

What are Dual Special Needs Plans?

Dual special needs plans are a type of Medicare Advantage special needs plans (SNPs). There are different types of special needs plans:

  • Chronic condition SNP – for individuals with severe chronic diseases
  • Institutional SNP – for those living in a nursing home or requiring at-home nursing care
  • Dual eligible SNP – for people with Medicare and Medicaid coverage

There are advantages to dual special needs plans. D-SNPs combine your Medicare and Medicaid benefits in one simple plan. Dual plans typically offer many extra benefits and features beyond Original Medicare or Medicaid-covered services, and they often include help to coordinate care and benefits. Many plans offer additional benefits at no extra cost that are designed to support overall health and well-being. Features of D-SNPs typically include:

  • Routine dental care with comprehensive dental services
  • Coverage for eyewear and routine vision exams
  • Routine hearing exams and hearing aids
  • Allowances for healthy foods, common over-the-counter (OTC) items, and medications
  • A personal emergency response system so you can get help for emergencies 24/7

Are You Eligible for a Dual Special Needs Plan?

You must meet certain requirements to enroll in a D-SNP. You are eligible in Colorado if you answer “yes” to these questions:

  • Do you have Medicare Parts A and B? You must fit into both of these categories.
    • You’re at least 65 years old, or you’re under 65 and qualify on the basis of a disability or other special situation.
    • You’re a United States citizen or a legal resident who has lived in the United States for at least five consecutive years.
  • Do you live in the plan’s service area?

Find the Dual Special Needs Plan Right for You

When finding a plan, it’s important to consider:

  • Your health care needs. Do you have any health conditions or illnesses that require specialized medical services?
  • Providers and doctors you see. Some plans may require you to see a provider within the plan’s network. Make sure any of your preferred providers are in network prior to enrolling.
  • Prescription medications you take. Each plan will have a formulary, or list of covered drugs. It’s important to check to see if the prescriptions you take are covered.

You can enroll in a D-SNP through private health insurance companies that offer these types of plans, like RMHP. RMHP offers a dual plan called RMHP DualCare Plus, and we make it easy to enroll online.

Plans are insured through UnitedHealthcare Insurance Company or one of its affiliated companies, a Medicare Advantage organization with a Medicare contract and a contract with the State Medicaid Program. Enrollment in the plan depends on the plan's contract renewal with Medicare.