Chronic Special Needs Plans (C-SNPs)
What is a C-SNP?
A Chronic Special Needs Plan (C-SNP) is a type of Medicare Advantage (Part C) plan created for people who live with long-term health conditions. These plans are designed to give you the specialized care, drug coverage, and support you need to better manage your health every day.
With a C-SNP from Low-Cost Health Coverage, you get all your Medicare benefits in one plan, plus extra support that’s tailored to your condition, often with $0 costs.
Who qualifies for a C-SNP?
These plans are designed for people living with certain chronic health conditions, like:
• Diabetes.
• Heart disease or heart failure.
• Chronic obstructive pulmonary disease (COPD).
• Kidney disease or end-stage renal disease (ESRD).
• HIV/AIDS.
• Neurologic disorders.
• Autoimmune disorders.
Not sure if your condition qualifies?
We’ll help you check. Our team is here to make sure you get the care and benefits you deserve.
Types of Special Needs Plans available
Chronic Special Needs Plans (C-SNPs)
These plans are designed for people who live with ongoing illnesses such as diabetes, COPD, heart disease, or kidney disease. These plans come with coordinated care, custom medication coverage, and useful benefits like dental care, transportation, and more.
Dual Special Needs Plans (D-SNPs)
If you qualify for both programs, a D-SNP gives you even more benefits at little or no cost. These plans often include prescription coverage, dental, vision, hearing, and extra support to manage your care.
Institutional Special Needs Plans (I-SNPs)
If you live in a skilled nursing facility or an approved assisted living community and require a similar level of care, you may qualify for an Institutional or Institutional-Equivalent Special Needs Plan (IE-SNP). These plans offer close care coordination and access to on-site medical support.
Why choose a Chronic Special Needs Plan?
Low-Cost Health Coverage helps you manage Chronic Conditions with the coverage you deserve.
Our Chronic Condition Special Needs Plans are built to help you manage your health every day, not just in emergencies. With coverage you can trust, benefits designed for real life, and guidance when you need it, our C-SNPs offer more than peace of mind, they offer real support.
Benefits may include:
$0 primary care & Low-Cost Specialists
See your regular doctor for $0, and pay less when visiting specialists who understand your condition.
Prescription drug coverage
Your plan includes drugs that treat your specific condition, often with low copays or no cost at all.
Regular health check-ins
Count on regular check-ins from your care team to support your health and adjust your care as needed.
Transportation to appointments
Get free rides to doctor visits, lab tests, or pharmacies, so you never have to skip care because of a ride.
Personalized Care Management
C-SNPs from Low-Cost Health Coverage include care management programs that help you stay on top of your health.
Large Medicare Provider Network
Get the care you need from local and national providers who are part of your Medicare Advantage plan.
Monthly credit for OTC items & healthy food
Use your monthly allowance to buy over-the-counter health products or nutritious food, delivered or bought in-store.
Enjoy dental, vision & hearing coverage for $0
Routine exams for your eyes, teeth, and ears are all covered, so you can keep up with every part of your health.
$0 For eye exam & eyewear allowance
Get your eye exam for free and money toward glasses or contacts, so you can see clearly and save money.
$0 Routine dental services
Cleanings, fillings, crowns, root canals, and more are all included, with no surprise costs.
LCHC Member Card
Use your member card to access services, pay for health products, and manage your care, all in one simple step.
$0 For hearing exam & hearing aid discounts
Your plan covers a hearing exam and helps you save on quality hearing aids, including OTC and brand-name options.
$0 Annual physicals & preventive care
Get free annual checkups, lab tests, and screenings like mammograms and colonoscopies.
Telehealth & virtual visits
Reach your doctor or mental health provider anytime by phone or video, no need to leave home.
24/7 Nurse hotline
Need advice? Call a licensed nurse anytime for expert medical guidance and peace of mind.
Get rewarded for staying healthy
With many plans, you can earn rewards for things like:
• Getting your annual wellness visit.
• Participating in fitness programs or walking goals.
• Completing routine screenings.
*Benefit availability and plan options may vary by location.
Low-Cost Health Coverage
has options for you
Even if D-SNP isn’t available locally, you can still explore Medicare Advantage plans built to support your health.
Wondering if a C-SNP from Low-Cost Health Coverage is right for you?
It could be right if you:
• Have a chronic condition like diabetes, heart failure, or cardiovascular disease.
• Need extra support to manage your condition.
• Want added benefits like OTC credits and food support at no extra cost.
It might not be right if you:
• Qualify for a D-SNP in your area.
• Don’t have one of the covered chronic health conditions.
• Live in a location where this plan isn’t available.
The Low-Cost Health Coverage Medicare Promise
Feel confident in your Medicare choice.
We’re here to help you find the Low-Cost Health Coverage plan that fits your life. Just enter your ZIP code and tell us what matters most, like dental, extra benefits, or low premiums.
We're here to support your Medicare journey
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Benefits, features, and medical devices offered may vary depending on your specific plan and where you live. Some benefits may only be available in specific regions. Certain rules and provider network restrictions may also apply.
1. Over-the-Counter (OTC) and Healthy Food Benefits
These benefits may come with expiration dates, so it’s important to use them within the allowed timeframe. The healthy food benefit is only available to members with certain chronic health conditions, such as diabetes, chronic heart failure, or cardiovascular issues. You must meet specific medical and plan eligibility requirements. Please check your plan materials or contact us for more details.
2. Pharmacy Options
You are not required to use a specific mail-order pharmacy to receive medications you take regularly. While we may partner with pharmacies for convenience, you have the option to choose from other participating pharmacies within our network.
3. Insulin Cost Protection
Covered insulin medications cost no more than $25 per month when included in your plan. This cost applies during all stages of your Medicare drug coverage, except during the catastrophic stage, where your insulin may be covered at no cost.
4.Doctor and Provider Networks
The availability of doctors, specialists, and other providers may be different based on your location. Your plan will give you access to a network of healthcare professionals, but it’s important to check whether your preferred providers are included.
5. Rewards Program
Some plans may offer reward programs to encourage healthy actions, like completing wellness visits or screenings. Not all plans include this feature, and rewards may vary. Please check the details of your specific plan for eligibility and program rules.
Choosing the Right Plan
At Low-Cost Health Coverage, we are committed to helping you find a Medicare plan that meets your individual needs. While we offer a variety of plan options, we cannot guarantee that every plan will be the right fit for everyone. Our recommendations are based on the health coverage information you provide. All changes or enrollment requests must follow Medicare guidelines and federal or state regulations.
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