Dual Special Needs Plans (C-SNPs)
What is a D-SNP?
For individuals enrolled in both Medicare and Medicaid, Dual Special Needs Plans (D-SNPs) offer coordinated care and additional benefits under one plan. These plans offer comprehensive coverage, including benefits not typically available through Original Medicare, all at little to no cost.
Who qualifies for a D-SNP?
You may qualify for a D-SNP if any of the following apply to you:
• Eligibility requires Medicare Part A and/or Part B. You may qualify if you're 65 or older, or under 65 with a serious health condition such as ALS or ESRD.
• You must either be enrolled in your state’s Medicaid program or meet certain income or asset requirements that make you eligible for Medicaid. Some people automatically qualify if they receive Supplemental Security Income (SSI).
* Even if you’re not sure if you qualify for Medicaid, we can help you check—and guide you through applying if you’re eligible.
• D-SNP plans are not available in every ZIP code. You need to live in an area where Low-Cost Health Coverage offers D-SNP plans. Our licensed agents can quickly verify this for you.
Not sure if you qualify?
You’re not alone. Many people aren’t sure whether they’re eligible, and that’s exactly why we’re here. Our team will walk you through a quick, free eligibility check and explain your next steps.
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 Dual Special Needs Plan?
Low-Cost Health Coverage helps people with Medicare and Medicaid get extra benefits and support.
Powered by Impact Health Sharing
If you qualify for both Medicare and Medicaid, Low-Cost Health Coverage offers a Dual Special Needs Plan (D-SNP) built with your needs in mind. Our plan goes beyond basic coverage—giving you extra support, added savings, and real benefits you can actually use.
Benefits may include:
$0 Monthly Premiums
Most D-SNP plans come with no monthly premium, ensuring you get the coverage you need without the financial burden.
Prescription Drug Coverage
Benefit from $0 copays on many generic medications and low-cost options for brand-name drugs.
Transportation assistance
Access free rides to approved healthcare visits, ensuring you never miss an important appointment.
Telehealth & 24/7 nurse hotline
Consult with doctors from the comfort of your home and get health advice anytime, day or night.
Personalized Care Coordination
Our team helps you manage chronic conditions, schedule appointments, and connect with the right healthcare providers.
Affordable Plans
Our programs start as low as $73 for individuals and $378 for families, with most members saving 30-50% on healthcare costs.
Over-the-Counter (OTC) Credits
Receive a monthly allowance to purchase health essentials like vitamins, pain relievers, and first aid supplies.
Dental, vision & hearing services
Enjoy comprehensive coverage, including routine check-ups, cleanings, eye exams, glasses, hearing tests, and hearing aids.
LCHC Member Card
Use your member card to access services, pay for health products, and manage your care, all in one simple step.
Additional Benefits Through Impact Health Sharing
Health & wholeness program
Receive up to $100 monthly credit (up to $1,200 annually) towards health and wellness services, including supplements, gym memberships, and alternative therapies.
Dental & vision discounts
Access substantial savings on dental procedures and eye care through partnerships with Careington and VSP.
No lifetime sharing limits
Benefit from no lifetime cap on the amount of medical expenses shared.
Transparent pricing
Experience clear, upfront costs with no hidden fees or surprise bills.
Comprehensive coverage
Benefit from no lifetime cap on the amount of medical expenses shared.
No lifetime sharing limits
Benefit from no lifetime cap on the amount of medical expenses shared.
No enrollment deadlines
Experience clear, upfront costs with no hidden fees or surprise bills.
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 might be right for you if:
• D-SNPs are designed specifically for people who qualify for both programs—offering extra benefits and support at little to no cost.
• If you live with conditions like diabetes, heart failure, or mobility limitations, a D-SNP provides personalized care coordination to help you stay on track.
• Many D-SNPs offer monthly over-the-counter credits, $0 premiums, and low or no out-of-pocket costs, making it easier to budget your healthcare.
It might not be right if you:
• D-SNPs are only for individuals who have both Medicare and Medicaid. If you have only Medicare, you might be better suited for a Medicare Advantage or Medigap plan.
• Not all ZIP codes have access to D-SNPs. If your area isn't covered, our team can help you explore other affordable options.
• If you live in a skilled nursing facility or have a qualifying chronic condition but no Medicaid, a different type of Special Needs Plan like a C-SNP or I-SNP may be a better fit.
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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Important Notice
Some benefits offered through a Dual Special Needs Plan may also be available through your state Medicaid program or a managed Medicaid plan.
Benefits, features, and devices may not be the same in every state or region. Certain limits, exclusions, or provider restrictions may apply.
Enrollment eligibility is based on current CMS guidelines and may change. Please check with your state Medicaid agency or plan representative for the most up-to-date information.
For those who qualify for Medicare’s Extra Help program, many D-SNP plans are available with a $0 monthly premium, offering a cost-effective way to get more from your coverage.
Be sure to use your Over-the-counter (OTC) and food benefits on time, as they may come with expiration dates. Check your plan materials or Evidence of Coverage (EOC) for full details. Eligibility for these benefits may depend on medical conditions and other criteria. Contact us to learn more.
Provider availability can vary depending on your location. Make sure your doctor or provider is in the plan’s network before getting care.
Reward programs and other incentives may not be included in every plan. Terms and availability vary by plan and service area.
Some virtual care services may require a device with video capability. Not all providers offer virtual visits. Do not use virtual visits for emergencies.
Dual-eligible members are categorized as either Full Dual or Partial Dual. Full Dual members receive the complete range of Medicaid benefits offered by their state, which often includes doctor visits, hospital care, prescriptions, and long-term services. Partial Dual members, on the other hand, may only receive limited benefits, such as help paying for Medicare premiums or certain cost-sharing expenses. Plan availability and enrollment may vary depending on your dual-eligibility status.
Low-Cost Health Coverage is committed to helping you find a plan that meets your needs. Plan recommendations are based on the information you share with us. Changes or disenrollment requests are subject to Medicare and state regulations.
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