And no, not everyone can join a SNP . . .
Usually, anyone who has Medicare Part A and Medicare Part B coverage can join a Medicare Advantage plan (MA or MAPD) if the person lives within the plan's service area (Zip Code area). (And from 2006 to 2020, the applicant could not suffer from kidney-failure or End-Stage Renal Disease (ESRD) - although in 2021, this restriction against ESRD applicants was removed.) However, you cannot join a Medicare Advantage SNP unless you also qualify for the plan’s “Special Need” (for instance, you suffer from the specified chronic illness, like ESRD or financial need).
More about SNPs . . .
A Medicare Special Needs Plan, according to the Centers for Medicare and Medicaid (CMS) is defined as:
A special type of Medicare Advantage Plan that provides all Medicare Part A and Part B health care and services to people who can benefit the most from things like special care for chronic illnesses, care management of multiple diseases, and focused care management.
So, SNPs are separated into three major types of special needs:
Question: Do SNPs offer Medicare Part D drug coverage?
Yes. All Medicare Advantage SNPs must provide their plan Members with prescription drug coverage (MAPD). The prescription drug coverage is often designed to meet the SNP's particular needs - such as providing for certain medications on the SNP's formulary - or the SNP may provide an additional formulary tier that includes specific medications for the SNP members, this tier is often titled:
"select care drugs".
CMS (or Medicare) also goes on to note several other key aspects of a SNP:
Question: If I join a Special Needs Plan (SNP) can I get my health care from any doctor, other health care provider, or hospital?
No. Since a SNP is a Medicare Advantage plan, you generally must get your healthcare and related services from doctors, other health care providers, or hospitals in the plan's network (except for emergency care, out-of-area urgent care, or out-of-area dialysis).
Question: Do I need to choose a primary care doctor?
Question: Do I have to get a referral to see a specialist?
In most cases, yes. However, certain healthcare services, like yearly screening mammograms or healthcare checkup, don't require a referral.
Question: Are SNPs widely available across the country?
No. Medicare Advantage SNPs are offered only on a limited county-by-county basis and, again, Medicare beneficiaries must meet the specific SNP requirements - and are often found in more densely populated areas. Also the SNP "landscape" changes each year and this means your current Medicare Advantage SNP may not be available next year - but, you may find a new SNP being offered in your county that you can join.
Possible disenrollment. People who qualify to enroll in a SNP can be disenrolled from the SNP if, during the plan year, they no longer meet the plan's requirements. For instance, if a person in a Dual-Eligible SNP (D-SNP) begins to earn more money they might no longer meet the plan's financial requirements, they may be enrolled from the D-SNP - or if a person no longer suffers from a certain chronic condition, they can be disenrolled from the SNP.
The good news: If you are disenrolled from a SNP, you will be provided a Special Enrollment Period allowing you the opportunity to join another Medicare Advantage plan or Medicare Part D plan.
And still more Questions/Answers from CMS:
Question: What else do I need to know about this type of Medicare plan?
Still have a few questions about Special Needs Plans? Click here to let us know.