Chronic Condition Special Needs Plans are a Medicare Advantage plan type that cares for the needs of those with certain chronic conditions. They have networks of healthcare providers who treat that condition and include prescription drug coverage.
Chronic Conditions
Medicare is not only for America’s seniors. Fifteen percent of Medicare beneficiaries have a disability. That makes caring for the needs of a significant portion of the program’s beneficiaries an important effort. People with disabilities often fall under the category of having chronic conditions.
The Centers for Medicare and Medicaid Services (CMS) is in charge of which conditions qualify you for a special Medicare Advantage plan type called a Chronic Condition Special Needs Plan. There are currently 15 chronic condition types covered under these plans.
Chronic Condition Special Needs Plans
Chronic Condition Special Needs Plans (C-SNPs) are a type of Medicare Advantage plan with benefits that are made for the advantage of people with certain chronic conditions.
C-SNP Benefits
The main advantage of Chronic Care Special Needs Plans is that they have networks of healthcare providers who treat the specific condition of their members. These plans do not cover all 15 conditions: they cover just one and are highly specific.
C-SNP Coverage
Chronic Care SNPs have networks of healthcare providers and specialists who treat the chronic conditions of their members. This is crucial because these specialty networks provide coverage not dependent on your region but rather on your condition. The specialist that may have been outside of your plan network and thus outside of your price range is now accessible with a C-SNP.
All C-SNPs have built-in prescription drug coverage to care for the needs of their members.
C-SNP Costs
The costs under a Chronic Condition Special Needs Plan are similar to any other Medicare Advantage plan. You have premiums to pay, along with your deductibles, copayments, and coinsurance. The nice thing about these plans is that with your specialists in-network, you will be saving money.
Finding a Chronic Condition Special Needs Plan
People who have one of the qualifying chronic conditions should consider choosing a Chronic Condition Special Needs Plan. These Medicare Advantage plans are built to prioritize your needs and bring you the coverage that is so important to maintaining your health. For assistance in finding a Special Needs Plan in your area, contact our team.
If you no longer have the condition that qualifies you for a Chronic Condition Special Needs Plan and you are about to lose coverage, contact us for more information. We can help you find a different Medicare Advantage plan that gives you access to the specialists you need. Call to schedule an appointment today.
