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Dual Special Needs Plans Basics
In this video we'll cover Dual Special Needs Plans (D-SNP) including what these plans are, who can get one, what they cover and what makes them special.
Upbeat music plays as the UnitedHealthcare logo becomes ribbons that swoop across the screen. A text bubble pops up.
ON SCREEN TEXT: Dual Special Needs Plans
ON SCREEN TEXT: Medicare Conversations
A document with D-SNP printed at the top appears.
ON SCREEN TEXT: What is a Dual Special Needs Plan (D-SNP)?
A brown-haired woman sits in a chair. Text appears in a blue banner at the bottom of the frame.
ON SCREEN TEXT: Holly Martin Dual Special Needs expert
HOLLY MARTIN: Hello everyone! I’m Holly Martin. And over the last several years, I have worked on bringing education and awareness to Dual Special Needs Plans.
The D-SNP sheet appears against a white background, labelled “What they are.” A magnifying glass appears next to it, labelled “Why they are different.”
HOLLY: We’re gonna take about what Dual Special Needs plans are. We’re gonna talk about why they’re different, they’re a different type of Medicare advantage plan.
An icon of a man appears and is labelled “Who is eligible.”
HOLLY: And we’re gonna talk about who is eligible for them and what to know about whether or not a Dual Special Needs plan might be right for you, or someone you love.
We return to Holly.
HOLLY: So let’s go ahead and get started.
A hand holding two MEDICARE cards appears beside text against a blue background.
ON SCREEN TEXT: What is dual eligibility?
HOLLY: So let’s talk a little bit more on what it means to be dual eligible.
Two cards, labelled Medicare and Medicaid appear against a white background.
HOLLY: Dual eligible simply means that you are both Medicare eligible and Medicaid eligible.
The Medicaid card is pushed aside, and a cake labelled 65 plus appears on the left side of the screen. It is followed by “Or” and a wheelchair icon labelled eighteen plus.
HOLLY: On the Medicare side that means you could have reached the magical age of sixty-five, or that you could have a qualifying disability at ages eighteen years all the way up to age sixty-four.
The Medicaid card takes up the left side of the screen. On the right, a wallet appears, labelled income. A line goes through it, and text appears.
ON SCREEN TEXT: Poverty level
HOLLY: To qualify for Medicaid, it simply means that your income is below the federal poverty level. And that number really varies by state.
Text appears beside a calendar.
ON SCREEN TEXT: When would I enroll?
Text appears against a white background.
ON SCREEN TEXT: Being dual eligible allows you to enroll throughout the year
Text appears at the top of the frame against a white background.
ON SCREEN TEXT: Initial Enrollment Period
Below it, a bar with the months of the year appears, with a checkmark above June. Text appears below the bar.
ON SCREEN TEXT: So, you can enroll when you first become eligible for Medicare.
New text appears above the bar.
ON SCREEN TEXT: Special Enrollment Period
Three checkmarks appear over February, April, and August. New text appears at the bottom.
ON SCREEN TEXT: once per quarter for the first three quarters of the year or during the Medicare Annual Enrollment Period, which is the last quarter of the year.
New text appears above the bar.
ON SCREEN TEXT: Annual Enrollment Period
The bar highlights the section at the end between October and December. A check mark appears above November. Text appears at the bottom.
A magnifying glass appears next to white text against a blue background.
ON SCREEN TEXT: What is a Dual Special Needs Plan?
HOLLY: So what is a dual special needs plan?
The D-NSP sheet appears below text on the left side of the frame.
ON SCREEN TEXT: Medicare Advantage Plan
The Medicare and Medicaid cards appear next to it from the right, with two lines connecting them to the sheet.
HOLLY: A “D-snip” plan is just a special kind of Medicare Advantage plan that is there for those that have both Medicare and Medicaid eligibility.
A pill bottle labelled Part-D enters the frame.
HOLLY: And that Special Medicare Advantage plan takes your Medicare, your Medicaid and your Part D needs and puts them all together in one package to provide you with an overall healthcare experience.
A sheet of paper with D-SNP labelled three times unspools next to text against a blue background.
ON SCREEN TEXT: Are all Dual Special Needs Plans the same?
HOLLY: A dual special needs plan is a Medicare Advantage plan.
Three icons appear. One is of a dollar bill labelled “Costs.” The next is a star labelled “Benefits.” And the third is a checkmark labelled “Coverage.”
HOLLY: And just like all Medicare Advantage plans, the costs, the benefits, and the coverage are going to vary based on who is providing that plan.
A magnifying glass enhances on the D-SNP sheet over a blue background. Text appears next to it.
ON SCREEN TEXT: How are Dual Special Needs Plans unique?
HOLLY: Dual special needs plans are unique in that they provide extra benefits.
The Medicare and Medicaid cards slide on screen next to a full pill bottle labelled Part D. A star icon slides on screen next to them labelled “Special Benefits.”
HOLLY: So along with providing you your Medicare, your Medicaid and your Part D coverage, they also offer you extra benefits that help you utilize that healthcare coverage.
A stethoscope icon appears with a car driving along on it. At the end is a destination pin with text above it.
ON SCREEN TEXT: Transportation.
HOLLY: Things like transportation, to make sure that you get to your doctor visit safely and on time.
The frame is divided into four quadrants. The transportation pin moves to the top left. On the top right, a pair of glasses labelled “Vision” appears. A toothbrush labelled “Dental” is in the bottom left, and a collection of Vitamins and creams in the bottom right is labelled “OTC credits.”
HOLLY: They can also be things like dental and vision coverage. Or perhaps credits to help you purchase over-the-counter products.
A piggy bank appears next to text against a blue background.
ON SCREEN TEXT: Are there any costs with D-SNP plans?
HOLLY: “D-SNP” plans typically come at no additional cost to you. However the costs of a D-SNP plan are going to depend on your Medicaid eligibility levels.
The Medicare and Medicaid cards appear against a blue background, along with a pill bottle labelled Part D.
A zero dollars label appears over each icon.
HOLLY: So right now for example, if you’re not paying anything for your Medicare, and your Medicaid, and your Part D, what’s so great about a D-SNP plan is you can join that plan, you won’t lose any of those benefits that you currently have.
The icons converge and turn into a D-SNP sheet, also labelled zero dollars.
HOLLY: And you won’t pay any more to be apart of a D-SNP plan and gain all of the extra benefits we just talked about, as well as that coordination of care.
Text appears next to a lightbulb against a blue background.
ON SCREEN TEXT: What if I still have questions?
HOLLY: So, we’ve learned a little bit about Dual Special Needs Plans today, and if you’d like to learn even more, visit us online. Thanks for watching.
ON SCREEN TEXT: Visit MedicareMadeClear.com
ON SCREEN TEXT: Medicare Made Clear brought to you by UnitedHealthcare
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