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Understanding Dual Special Needs Plans

Understanding Dual Special Needs Plans

Dual Special Needs Plans, also called D-SNP, are health plans for people who have both Medicare and Medicaid. RMHP is here to help you understand these plans.

What are Dual Special Needs Plans?

Dual Special Needs Plans, also called D-SNP or dual plans, are health plans for people who have both Medicare and Medicaid. Medicare is a federal program that provides health benefits for people over age 65, as well as people younger than 65 who qualify due to a disability. Medicaid is a state program that offers health benefits for people with low income. In Colorado, the Medicaid program is called Health First Colorado. RMHP also offers a Medicaid plan for some counties on the Western Slope called RMHP Prime.

With a dual plan, you still keep the Medicaid benefits you get today. You also get many extra benefits and features than Original Medicare at no extra cost. Dual plans:

  • Are designed for people who may need extra help because of disabilities, age, and/or health conditions
  • Offer more benefits than Original Medicare
  • Come with no additional costs
  • Are offered by private insurance companies, like RMHP

Individuals who are eligible for these plans can usually enroll for no monthly premium.

How to Choose a Dual Plan Right for You

It’s important to know what your health needs are before choosing a plan. Helpful questions to ask are:

  • How is your current health?
  • Do you take prescription drugs?
  • Are you looking for a preferred doctor, hospital, or clinic?
  • Do you expect changes to your finances in the coming year? 
  • What are your vision needs?
  • What are your hearing needs?

Learn about RMHP DualCare Plus


Medicare Disclaimer

This page was last updated: 10/01/2019. Please call to confirm you have the most up to date information about our Medicare plans.


Important Disclaimers: RMHP is a Medicare-approved Cost plan. Enrollment in RMHP depends on contract renewal. 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. Other pharmacies, physicians, providers are available in our network. For a complete list of available plans please contact 1-800-MEDICARE (TTY users should call 1-877-486-2048), 24 hours a day/7 days a week or consult   Every year, Medicare evaluates plans based on a 5-star rating system.  If you need help finding a network provider, please call 888-282-1420 (TTY 711) or visit to access our online searchable directory. If you would like a provider directory mailed to you, you may call the number above, request one at the website link provided above, or email

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