Complete Guide to Medicare Special Needs Plans in Cherokee County, AL
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In Cherokee County, AL, there are 19 Medicare Special Needs Plans (SNPs) available for 2025. These plans are tailored to individuals with specific health conditions or needs.
Our guide is here to help you navigate the choices and make the right selection.
Compare Medicare SNP Plans in Cherokee County, AL
Below is a list of the 19 Medicare Special Needs Plans (SNPs) available in Cherokee County, AL for 2025. Click on any plan to view full details, including eligibility, coverage, and costs, to find the best fit for your healthcare needs.
Cherokee County, Alabama Medicare SNP Plans
| Plan Name | Type | Premium | Network | Part D Deduct. |
Rating |
|---|---|---|---|---|---|
| Cigna TotalCare | D-SNP | $24 | HMO | $590 | |
| Cigna TotalCare Plus | D-SNP | $0 | HMO | $590 | |
| Aetna Medicare Dual Preferred | D-SNP | $9 | HMO | $590 | |
| Aetna Medicare Dual Select | D-SNP | $12 | HMO | $590 | |
| UHC Dual Complete AL-V002 | D-SNP | $40 | HMO-POS | $590 | |
| UHC Dual Complete AL-Y1 | D-SNP | $0 | HMO-POS | $590 | |
| VIVA Medicare Extra Value | D-SNP | $40 | HMO | $577 | |
| HumanaChoice SNP-DE H5216-370 | D-SNP | $0 | PPO | $590 | |
| UHC Complete Care AL-5 | C-SNP | $0 | HMO-POS | $340 | |
| UHC Dual Complete AL-D001 | D-SNP | $35 | HMO-POS | $590 | |
| UHC Dual Complete AL-D002 | D-SNP | $40 | PPO | $590 | |
| UHC Dual Complete AL-V001 | D-SNP | $40 | HMO-POS | $590 | |
| Simpra Advantage Assist | I-SNP | $86 | PPO | $150 | |
| Simpra Advantage Dual Care | D-SNP | $0 | PPO | $590 | |
| Simpra Advantage Nursing Home Plan | I-SNP | $40 | PPO | $590 |
An Overview of Medicare Special Needs Plans
Medicare Special Needs Plans (SNPs) cater to individuals with particular healthcare needs by offering specialized coverage and services. These plans are designed to address the unique requirements of their members, ensuring that they receive the care and support they need.
There are three types of SNPs, each aimed at different groups with specific health needs:
- Dual Eligible SNPs (D-SNPs): For those eligible for both Medicare and Medicaid, D-SNPs provide coordinated benefits, including additional services like care management and disease support. Learn more about these plans by reading our Comprehensive Guide for Dual Eligibles.
- Chronic Condition SNPs (C-SNPs): Designed for individuals with chronic conditions such as diabetes or heart disease, C-SNPs offer targeted benefits and services to help manage ongoing health challenges.
- Institutional SNPs (I-SNPs): I-SNPs are tailored for individuals residing in long-term care facilities or requiring in-home nursing care, focusing on providing coordinated and specialized care.
Who Is Eligible for a Medicare SNP in Cherokee County?
Eligibility for SNPs depends on factors like health conditions, dual eligibility, and institutional care needs. Find out if you qualify to enroll in a Special Needs Plan.
Read: Discover Your Medicare Special Needs Plan Options
What Are the Advantages of Medicare SNPs?
Medicare SNPs provide enhanced coverage and services designed to meet the unique needs of their members, offering specialized care that standard Medicare Advantage Plans may not provide.
- D-SNPs integrate Medicare and Medicaid benefits, providing services like transportation, care management, and/or daily living assistance. These plans also offer comprehensive drug coverage with low copays.
- C-SNPs focus on managing chronic health issues such as diabetes and heart disease. These plans offer customized care, including tailored treatment plans and access to specialists.
- I-SNPs coordinate care in institutional settings, providing personalized services such as physical therapy, occupational therapy, and regular medical checkups, and possiblysupport for caregivers.
Tips for Choosing a Medicare SNP in Cherokee County, AL
Finding the right SNP for you can make a big difference in how well your healthcare needs are met. It’s essential to carefully compare your options to find a plan that suits your health and lifestyle. Just be aware that all types of SNP plan may not be available in Cherokee County, AL.
- Consider Your Medical Needs: Assess your current health status and any special medical needs you may have. This will help you determine which type of SNP—D-SNP, C-SNP, or I-SNP—will best serve your needs.
- Examine Plan Benefits: Take a close look at the benefits provided by each SNP, including drug coverage, access to specialists, and other essential services. Select a plan that covers the healthcare services you rely on most.
- Check the Network: Make sure that your current doctors, specialists, and hospitals in the Cherokee County area are part of the plan’s provider network. This ensures continuity of care and access to the providers you trust.
Enrolling in a Medicare Special Needs Plan
Enrolling in the right Medicare SNP for you is essential to accessing the healthcare services you need. Knowing when and how to enroll can help you make the most of your Medicare benefits.
Medicare offers several enrollment periods each year, allowing beneficiaries to join or switch SNPs:
- Initial Enrollment Period (IEP): This seven-month window surrounds your 65th birthday, giving you your first chance to enroll in Medicare and an SNP.
- Annual Enrollment Period (AEP): From October 15 to December 7, Medicare enrollees can make changes to your Medicare coverage, including enrolling in an SNP.
- Special Enrollment Periods (SEPs): Certain life events, like moving or losing other insurance, may qualify you for an SEP, allowing you to adjust your Medicare plan outside the usual periods.
To ensure you’re enrolling at the right time, learn more in our comprehensive guide to Medicare enrollment periods.
Plans Offered
Medicare Advantage and Part D plans and benefits offered by the following carriers: Aetna Medicare, Anthem Blue Cross, Anthem Blue Cross and Blue Shield, Aspire Health Plan, Baylor Scott & White Health Plan, Capital Blue Cross, Cigna Healthcare, Dean Health Plan, Devoted Health, Florida Blue Medicare, Freedom Health, GlobalHealth, Health Care Service Corporation, Healthy Blue, HealthSun, Humana, Molina Healthcare, Mutual of Omaha, Medica Central Health Plan, Optimum HealthCare, Premera Blue Cross, SCAN Health Plan, Simply, UnitedHealthcare(R), Wellcare, WellPoint.
Citations & References
- CMS.gov, 2024 SNP Landscape Source Files, Last Accessed October 14, 2023
- CMS.gov, "Special Needs Plans (SNP)", Last Accessed September 11, 2023
- CMS.gov, "Institutional Special Needs Plans (I-SNPs)", Last Accessed September 11, 2023
- Medicare.gov, "Your health plan options", Last Accessed May 17, 2023