Complete Guide to Medicare Special Needs Plans in Colbert County, AL
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In Colbert County, AL, there are 20 Medicare Special Needs Plans (SNPs) available for 2025. These plans are tailored to individuals with specific health conditions or needs.
Whether you're looking for a plan tailored to your unique situation or want to compare the options available, this guide provides all the information you need to make an informed decision.
Compare Medicare SNP Plans in Colbert County, AL
Find your 2025 Medicare Special Needs Plan (SNP) in Colbert County, AL below. Click on any of the 20 plans to access full details, including eligibility, benefits, and costs, to help you choose the best coverage.
Colbert 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 | |
| Humana Dual Select H5619-093 | D-SNP | $33 | HMO | $590 | |
| 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 |
What Are Medicare Special Needs Plans (SNPs)?
Medicare Special Needs Plans (SNPs) are tailored to meet the needs of specific groups of people, offering customized benefits and services. These plans are designed to provide comprehensive care that aligns with the particular health challenges of their members.
SNPs come in three varieties, each serving a unique population:
- Dual Eligible SNPs (D-SNPs): D-SNPs are intended for individuals who are eligible for both Medicare and Medicaid, providing coordinated care and additional support services. We have written a complete guide to the meaning and purpose of D-SNP plans to assist you.
- 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 geared towards individuals in long-term care settings or those needing nursing care at home, offering specialized and coordinated care.
Are You Eligible for a Medicare Special Needs Plan?
To enroll in an SNP, you must meet certain criteria related to your health or eligibility status. Discover what it takes to qualify for a Special Needs Plan.
Read: Understanding Medicare Special Needs Plans
What Are the Advantages of Medicare SNPs?
The specialized benefits offered by Medicare SNPs are tailored to meet the specific healthcare needs of individuals, providing additional services that help manage their conditions more effectively.
- Dual Eligible SNPs: D-SNPs coordinate care between Medicare and Medicaid, offering extra services such as transportation, care management, and/or assistance with daily living. These plans typically include comprehensive drug coverage with minimal copays.
- Chronic Condition SNPs: C-SNPs provide focused care management for chronic conditions like COPD or heart disease, offering tailored treatment plans and easier access to specialized care providers.
- Institutional SNPs: I-SNPs are designed to provide seamless care across nursing homes or in-home care settings, offering personalized health services like therapy and checkups, and possibly support for caregivers.
How to Choose the Best SNP for You in Colbert County, AL
Choosing the right Medicare SNP for you is an important decision that can significantly impact your healthcare. By carefully evaluating each plan available in Colbert County, AL, you can find one that offers the coverage and services you need.
- Identify Your Healthcare Priorities: Start by identifying your key healthcare needs, such as management of chronic conditions or the need for dual eligibility support. This will guide you toward the right type of SNP.
- Compare Plan Details: Look at the specific benefits each plan offers, such as drug coverage, access to specialists, and care coordination. Ensure the plan you select provides the necessary services to meet your needs.
- Review the Provider Network: Confirm that your preferred healthcare providers in the Colbert County area are included in the plan’s network. Access to familiar doctors and facilities is crucial for receiving consistent, quality care.
How to Enroll in a Medicare SNP
Enrolling in a Medicare SNP is the first step to accessing the specialized healthcare services you need. Understanding the enrollment periods is key to making sure you choose the right plan at the right time.
There are specific times each year when you can enroll in or switch Medicare 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
- Medicare.gov, "Special Needs Plans (SNP)", Last Accessed September 11, 2023
- CMS.gov, "Dual Eligible Special Needs Plans (D-SNPs)", Last Accessed September 11, 2023
- Medicare.gov, "Your health plan options", Last Accessed May 17, 2023