What is a SNP?
A Special Needs Plan (SNP) is a type of Medicare Advantage plan that combines all the benefits of Original Medicare (Parts A and B) with prescription drug coverage (Part D), but is only available to those beneficiaries who have an additional qualifying condition. For example, those who:
- Have a specific chronic health condition
- Are eligible for both Medicare and Medicaid
- Are a resident of a long-term care facility
Humana's Special Needs Plans provide extra coverage to help you better manage your particular healthcare situation.
Many of Humana's SNPs have an affordable or even $0 monthly plan premium.
SNPs offer benefits tailored to address your special healthcare needs
SNPs provide helpful guidance and resources to members based on their specific condition or needs. The plan may offer extra benefits tailored to the groups it serves, such as diabetes services, care coordination or other health and wellness programs.
To be eligible for an SNP, you must have Medicare Parts A and B and meet the specific conditions of the SNP.
Depending on the specific plan, benefits may also include coverage for routine dental, vision and hearing care; nonemergency transportation to and from medical care; fitness programs; an over-the-counter medication allowance and more.
Humana offers 2 Medicare Special Needs Plans
Medicare C-SNPs - Chronic Condition Special Needs Plans
Our Chronic Condition SNPs are for individuals with 1 or more of the following conditions:
- Diabetes mellitus
- Cardiovascular disorders
- Chronic heart failure
- Chronic lung disorders
Medicare D-SNPs - Dual-Eligible Special Needs Plans
Dual-Eligible SNPs are for individuals who are entitled to Medicare and who are also eligible for assistance from a state Medicaid program. With a D-SNP, all of your Medicare and Medicaid benefits are combined into one easy-to-manage plan.
Prescription Drug Savings Benefit
If you receive Extra Help and choose a Humana dual-eligible Special Needs Plan (D-SNP) that offers the Prescription Drug Savings Benefit, you'll pay no additional cost—that’s $0—out of pocket for eligible Part D drugs until your plan has paid $4,430 for your prescriptions. Then you'll pay your usual Extra Help cost-share amount for the rest of your plan year.
Who can enroll in a Special Needs Plan?
SNPs are available to anyone who meets the specific eligibility requirements of the plan, lives in the plan's service area and has both Medicare Part A and Part B due to age or disability. Plan availability varies by state and service area.