A Dual Eligible Special Needs Plan (D-SNP) is designed primarily for individuals who:
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
A Dual Eligible Special Needs Plan (D-SNP) serves beneficiaries who qualify for both Medicare and Medicaid. Because these individuals have low incomes, Medicaid may pay their Medicare premiums and cost-sharing — including the share of cost obligations — allowing the D-SNP to coordinate benefits between the two programs. D-SNPs are a special needs plan type under Medicare Advantage designed for this dual-eligible population, and their benefit design must account for the interplay of Medicare and Medicaid coverage. By coordinating the two programs, D-SNPs can reduce out-of-pocket burdens for beneficiaries who might otherwise face significant cost-sharing, making them an important enrollment option for low-income seniors.
Why the other options are wrong
- B) Employer retiree coverage is a separate type of group coverage, not the definition of a D-SNP's target population.
- C) D-SNPs serve dual-eligible beneficiaries, who are typically disabled or low-income older adults, not healthy under-65 individuals.
- D) An HSA high-deductible plan is unrelated to D-SNP enrollment.
Memory hook
D-SNP = two cards, one plan: Medicare and Medicaid in the same box, cost-sharing shared.