What Special Needs Plans are Available in Louisiana?
Unlike Medicare prescription drug plans in Louisiana, which are the same statewide, Medicare Special Needs Plan (SNP) availability and options vary by area. The reason for this is simple. Not all areas have the same healthcare providers or needs, so localized plans are best. And, even though SNPs are private health plans, like Medicare Advantage plans in Evangeline Parish, LA, enrollment requirements are different.
Who Can Enroll in Medicare Special Needs Plan in Evangeline Parish?
SNP plans are not available to everyone. To join you must first prove have special needs based on one or more of the following criteria:
- An institutionalized individual,
- A dual-eligible (Medicare and Medicaid is a public health insurance program that provides health care coverage to low-income families and individuals in the United States.) person, or
- An individual with a severe or disabling chronic condition.
Even if you qualify, you are only allowed to join, drop or change plans during a Medicare Election Period. The period between 15 October and 7 December is the Annual Election Period (AEP). That's when most folks make changes to their Medicare.
There's also an Individual Election Period (IEP) that you can use once. Your IEP is a 90 day period around your 65th birthday. It starts the month before you turn 65 and ends the month after.
In addition to the periods outlined above, you may be able to join a SNP with a Special Election Period in certain situations. Situations that may qualify you for a Special Election Period include:
- You are diagnosed with a severe or disabling condition: You can enroll in a Chronic-Condition Special Needs Plan (C-SNP) for beneficiaries with your illness at any time.
- You move into a nursing home or require skilled nursing care at home: You can enroll in an Institution Special Needs Plan (I-SNP) or switch plans at any time.
- You qualify for Medicaid: If you have Medicaid or are newly eligible for Medicaid, you can enroll in a Dual-Eligible Medicare Special Needs Plan (D-SNP) at any time.
- You move outside of your existing Special Needs Plan’s service area: You'll qualify for a Special Election Period to switch to a new plan.
- Your Special Needs Plan leaves the Medicare program: You'll qualify for a Special Election Period to switch plans.
There are three ways to enroll in an SNP:
- Call our Trusted Partner at 1-855-728-0510 (TTY 711). This toll-free number is staffed by HealthCompare, the outsourced partner of choice for some of the nation’s largest health plans.
- Call a plan directly. If you know the plan you want, this way is quick and easy. All of our plan pages provide contact information.
- Go to www.Medicare.gov and enroll through the government website. From there you can look up your medications, compare plans, and get your application started online.
NOTE: People sometimes ask what are the advantages and disadvantages of Medicare Advantage plans? With Medicare Advantage (MA), also known as Medicare Part C, are health plans from private insurance companies that are available to people eligible for Original Medicare (Medicare Part A and Medicare Part B). SNP plans, it all depends on the type of plan. With SNP dual-eligible plans, the one major advantage is that almost all of your A copayment, also known as a copay, is a set dollar amount you are required to pay for a medical service. are covered for you.
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