Chronic Special Needs Plans (C-SNPs) cover a variety of life-threatening illnesses. If you qualify, you will receive individualized benefits at a very low cost.
There is an incredibly long list of qualifying conditions. According to the Centers for Medicare & Medicaid Services, this is the full list of illnesses.
If you currently have any of these conditions, you will almost certainly qualify for a C-SNP. The benefits you receive through your plan will be catered towards your specific healthcare needs. Generally, conditions are grouped into 5 categories:
When enrolling in a C-SNP, your benefits will fall into one of these groups, thus matching your specific needs. And, if for some reason you need healthcare outside of the plan’s provided benefits, you may receive coverage upon approval.
More often than not, you will pay next to nothing for a C-SNP. This means no premiums, deductibles, copayments, or coinsurance. And, prescription drug coverage will likely be included as well.
There are really no drawbacks to a C-SNP. If you qualify, you should consider enrolling in one as soon as possible to save you the headache of costly medical bills.
Though the two sound very similar, it is important that you do not mix up Chronic Special Needs Plans (C-SNP) and Dual-Eligible Special Needs Plans (D-SNP).
Unlike C-SNPs, D-SNPs are targeted towards those in financial need. You must, then, be “dually-eligible” for both Medicare and Medicaid.
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