Special Need Plans

There are a variety of medical needs, which is why MyAARPMedicare is here to help. Everyone may not be able to achieve their goals with one plan. Thus, special benefits are offered under a Special Needs Plan for individuals with unique circumstances. 


MyAARPMedicare Special Needs Plans

The MyAARPMedicare Special Needs Plans are special kinds of Medicare Advantage Plans that offer coverage for special health needs or financial challenges. Prescription drug coverage is included in all SNPs, but plans available in your area will vary. A Special Needs Plan can be categorized into four types.

  • Dual Special Needs Plans (D-SNPs) for people with both Medicare and Medicaid (also called “dual eligible”). 
  • People with severe chronic conditions can apply for Chronic Special Needs Plans (C-SNPs). 
  • Institutional Special Needs Plans (I-SNPs) for people who live in a skilled nursing facility
  • Individuals who live in assisted living facilities who need the same kind of care as those who live in skilled nursing facilities are eligible for Institutional-Equivalent Special Needs Plans (IE-SNPs).


Generally, you must receive Original Medicare (Part A and Part B) and full Medicaid benefits in order to qualify for a D-SNP. People with certain conditions may only be eligible for Chronic plans, such as those with diabetes or chronic heart failure. 

An Institutional Special Needs Plan is for people who have experienced or will experience, over a 90-day period or longer, one of the following levels of service:

  • In a long-term care facility for skilled nursing
  • Care facility for people with long-term illnesses
  • In a nursing home or skilled nursing facility
  • An intermediate care facility for people with intellectual disabilities
  • A mental health facility that accepts inpatients 

SNPs typically cover the same health care services that Medicare Advantage plans must offer, including Medicare Part A and Part B. Some SNPs offer extra services customized to the particular group they’re designed to serve, but every SNP must cover prescription drugs. You should carefully review each plan you may qualify for to learn exactly what benefits and services will be covered.