What is a Dual Eligible Special Needs Plan (D-SNP)?
A Dual Eligible Special Needs Plan (D-SNP) is a specific Medicare Advantage (Part C) plan designed for individuals who are dually eligible for both Medicare and Medicaid. D-SNP provides a convenient way to manage healthcare coverage under one policy with extra benefits and more services than the standard coverage in Medicaid and Original Medicare (Parts A & B).
Understanding Medicare and Medicaid
Medicare is a national health insurance program managed by the federal government for people 65 and older, and people with a qualifying disability.
Medicaid is a health insurance program funded jointly by both the state and federal government for individuals, families and children with limited income and resources.
Receive Extra Help with healthcare expenses
D-SNP members may be eligible for the Extra Help program to help people with limited income and resources pay premiums, deductibles, co-insurance and copays for:
Medicare Part D prescription drug costs through the Low-Income Subsidy program (LIS)
save up to $5,000 per year
Medicare Part B medical costs through the Medicare Savings Program (MSP)
save up to $148 per month, that’s $1,776 per year
Florida Blue has a team of dedicated specialists available to help you apply for Extra Help and other public assistance programs.
Extra benefits and features at no extra cost.
Our 2021 BlueMedicare Complete (HMO D-SNP)* plans may include:
$0 or low plan premiums
to keep your health insurance affordable
Dental $0 copay
no copays or deductibles for preventative services, like cleanings, X-rays and fillings –
Hearing $0 copay
no copay for routine hearing exam or hearing aid fitting – plus, up to $2,500 allowance per year for up to 2 hearing aids
Vision $0 copay
no copay for routine vision exam – plus, up to $400 allowance per year toward the purchase of eyeglass frames, lenses, or contact lenses
Over the Counter (OTC) $100 monthly allowance
$100 allowance per month on everyday health care items like toothpaste and aspirin– plus free shipping
unlimited rides at no extra cost to medical-related appointments, such as doctor visits, medical facilities, labs, physical/speech/occupational therapy, pharmacies and more
up to 10 total home meal delivery after hospital discharge (2 meals per day, for 5 days in a row) based on nutrition needs
help with light housework, transportation, companionship and technology assistance (up to 60 hours per year)
no extra cost for fitness membership access to over 18,000 gyms nationwide - plus online workouts from home
Durable Medical Equipment (DME)
no cost for Medicare-covered Durable Medical Equipment (DME)
$0 copay for inpatient or outpatient mental health services
Teladoc® Virtual Health Visits
$0 copay for primary care doctor or specialist visits
Healthy Blue Rewards
earn up to $190 per year for achieving healthy activities
*All benefits not available in all plans.
Need assistance applying for Medicaid and other public assistance programs like Extra Help?
Florida Blue is a local community partner agency providing individuals access to public assistance services through the ACCESS Florida system by the Florida Department of Children and Families (DCF).
Our team of Medicaid specialist are dedicated to helping individuals verify Medicaid eligibility and apply for public assistance programs. Eligible individuals can access cost savings programs like Extra Help, Low-Income Subsidy (LIS) and Medicare Savings Program, and more.
Enrolling in D-SNP coverage
If you’re eligible for Medicare and Medicaid you may have the flexibility to join, switch or drop your Medicare Advantage (Part C) or Prescription Drug (Part D) coverage during:
Annual Enrollment Period
- October 15–December 7
- changes take effect on January 1
Special Enrollment Period
- One time during each period: January–March, April–June, July–September
- Changes take effect on the first day of the following month. You’ll have to wait for the next period to make another change.
Have questions about Medicare Advantage HMO D-SNP plans?
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