A D-SNP May Help Coordinate Both Types of Coverage.
A Dual Eligible Special Needs Plan, or D-SNP, is a Medicare Advantage plan for people who qualify for both Medicare and Medicaid. In Arizona, Medicaid is administered through AHCCCS. I’ll help you check eligibility, compare local plans and review the details before you decide.
- Check whether your Medicare and AHCCCS status meets a plan’s requirements
- Verify your doctors, specialists, hospitals and pharmacies
- Review your prescriptions and estimated plan costs
- Compare coordination, plan rules and plan-specific benefits
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Being enrolled in Medicare and AHCCCS does not make every D-SNP available to you. Eligibility, service areas and Medicaid-level requirements vary by plan.
Request a D-SNP Review
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Could a D-SNP Be an Option?
These pieces must line up. Eligibility for one program by itself is not enough.
1. Medicare eligibility
You generally need Medicare Part A and Part B to join a Medicare Advantage Special Needs Plan.
2. Medicaid eligibility
You must qualify for an AHCCCS eligibility category accepted by the particular D-SNP.
3. Local plan availability
You must live in the plan’s service area. Options and requirements vary by county, ZIP code and year.
You may have enrollment opportunities outside AEP.
People who have Medicare and Medicaid may qualify for Special Enrollment Periods. The timing and plans available depend on your current eligibility, coverage and whether an integrated D-SNP is available.
What a D-SNP Is Designed to Do
A D-SNP combines Medicare Advantage coverage with plan features intended for people who also receive Medicaid assistance.
Medicare coverage
D-SNPs provide Medicare Part A and Part B benefits through a Medicare Advantage plan and include Medicare drug coverage.
Medicare–Medicaid coordination
The plan may help coordinate Medicare services with your AHCCCS coverage. The level of integration differs by plan and enrollment arrangement.
Plan-specific support
Networks, care coordination, costs and supplemental benefits vary. We verify what the actual plan provides instead of assuming every D-SNP is alike.
What I Check Before You Enroll
A D-SNP can look attractive on paper and still be wrong for your care. We compare the details around how you actually use coverage.
Your doctors and hospitals
I check your primary doctor, specialists, preferred hospital and other recurring providers against the plan’s network.
Your prescriptions
I review the drug name, dosage, pharmacy, formulary tier and relevant coverage rules.
Your AHCCCS arrangement
I check the Medicaid eligibility information needed to identify D-SNPs that may accept your category and coordinate with your coverage.
Your total plan fit
We compare premiums, copays, referrals, prior authorization, transportation or other benefits when offered, and how the plan works with your current care.
Questions People Ask First
What is a D-SNP?
It is a Medicare Advantage Special Needs Plan for people who meet the plan’s requirements for both Medicare and Medicaid eligibility.
Is AHCCCS the same as Medicaid?
AHCCCS is Arizona’s Medicaid program. Your eligibility category and current AHCCCS coverage can affect which D-SNP options are available.
Can I change plans outside AEP?
You may qualify for a Special Enrollment Period, but the rules depend on your eligibility and coverage. We confirm the applicable enrollment opportunity before making a change.
Does every D-SNP include the same benefits?
No. Provider networks, drug lists, costs, plan rules, care coordination and supplemental benefits vary by plan and area.
Can I keep my doctors?
That depends on the specific plan’s network and rules. I verify each important provider before recommending a change.
What does your help cost?
There is no additional fee for my help. Insurance carriers compensate brokers if an enrollment occurs.
Not sure whether you have the right AHCCCS coverage?
Start with a review. We can identify what information is missing and which questions to ask before comparing plans. You can also read Medicare vs. Medicaid in Arizona.
Find Out Whether a D-SNP Is Worth Considering
A short review can show which plans may accept your eligibility status—and whether one fits your doctors, prescriptions and current coverage.
Looking for a plan based on a chronic condition? Visit the C-SNP page.