We reviewed the top 19 Medicare Advantage Special Needs Plans (SNPs) available in Washington Parish, Louisiana for 2024. This is what we learned:
- SNP membership is restricted to people with specific diseases, income levels, or institutional needs.
- The average monthly premium for a Special Needs Plan in this area is $40.96.
- If you qualify for Medicaid, most copayments and other out-of-pocket costs will be covered for you. If not, your costs will be similar to traditional Medicare Advantage plans.
- All plans include a Medicare prescription drug plan (Part D). The average Part D deductible is $545.00.
- SNPs must cover the same services as Original Medicare.
- Each plan is tailored to provide the benefits, doctor choices, and prescription drug formularies needed to best serve its members.
- Medicare rated 56% of all SNPs in Washington Parish 4 stars or higher.
Washington Parish, Louisiana Medicare SNP Plans
|Plan Name||Type||Premium||Network||Part D
|Peoples Health Secure Complete||D-SNP||$45||HMO-POS||$545|
|Peoples Health Secure Health||D-SNP||$44||HMO-POS||$545|
|Humana Gold Plus SNP-DE H1951-032||D-SNP||$46||HMO||$545|
|Humana Gold Plus SNP-DE H1951-056||D-SNP||$46||HMO||$545|
|Humana Gold Plus SNP-DE H1951-057||D-SNP||$41||HMO||$545|
|HumanaChoice SNP-DE H5216-332||D-SNP||$46||PPO||$545|
|UHC Dual Complete LA-S001||D-SNP||$46||PPO||$545|
|Aetna Medicare Dual Preferred||D-SNP||$46||HMO||$545|
|Aetna Medicare Dual Select||D-SNP||$35||HMO||$545|
|Healthy Blue Dual Advantage||D-SNP||$33||HMO||$545|
|Healthy Blue Enhanced Care||D-SNP||$30||HMO||$545|
|UHC Dual Complete LA-S003||D-SNP||$46||HMO-POS||$545|
|Wellcare All Dual Assure||D-SNP||$26||HMO||$545|
|Wellcare Dual Freedom Access||D-SNP||$39||HMO||$545|
|Wellcare Dual Pinnacle Liberty||D-SNP||$39||HMO||$545|
|American Health Advantage of Louisiana||I-SNP||$46||HMO||$545|
Washington Parish, LA
Medicare Advantage Special Needs Plan Information
Medicare Advantage Special Needs Plans, also called SNPs, are the private health insurance alternative to Original Medicare for people with special financial, health, and institutional care needs. There are 19 SNPs available in Washington Parish, and coverage is provided under strict Medicare regulations and oversight.
To qualify as a person with special needs you must meet one or more of the following criteria:
- An institutionalized individual,
- A dual-eligible (Medicare and Medicaid) person, or
- An individual with a severe or disabling chronic condition.
The Different Types of SNP Plans
There are three different types of Medicare Advantage Special Needs Plans:
- Dual-eligible SNPs (D-SNP) are for people who qualify for both Medicare and Medicaid.
- Institutional SNPs (I-SNP) are for beneficiaries who are institutionalized and live in long-term care or a skilled nursing facility.
- Chronic Condition SNPs (C-SNP) are for people with one or more chronic conditions, including diabetes, end-stage renal disease (ESRD), lung conditions or heart disease.
Dual Eligible Special Needs Plans (D-SNPs) accept people who are eligible for both Medicare and Medicaid. Louisiana covers some Medicare costs, depending on the individual’s eligibility. Medicaid eligibility categories include:
Institutional Special Needs Plans (I-SNPs) are SNPs that restrict enrollment to Medicare beneficiaries who, for 90 days or longer, have had or are expected to need the level of services provided in a long-term care facility, skilled nursing facility, an intermediate care facility for individuals with intellectual disabilities, or an inpatient psychiatric facility.
Prior to enrolling in a I-SNP, beneficiaries are advised to verify their institution accepts the plan and that its healthcare providers are in the plan's provider network.
Chronic Condition SNPs restrict enrollment to special needs individuals with severe or disabling chronic conditions. About two-thirds of Medicare enrollees have multiple chronic conditions requiring coordination of care among primary care providers, medical and mental health specialists, inpatient and outpatient facilities, and extensive ancillary services related to diagnostic testing and therapeutic management.
There are 15 SNP-specific chronic conditions::
- Chronic alcohol and other drug dependence
- Autoimmune disorders (limited)
- Cancer, excluding pre-cancer conditions or in-situ status
- Cardiovascular disorders (limited)
- Chronic heart failure
- Diabetes mellitus
- End-stage liver disease
- End-stage renal disease (ESRD) requiring dialysis
- Severe hematologic disorders (limited)
- Chronic lung disorders (limited)
- Chronic and disabling mental health conditions (limited)
- Neurologic disorders (limited)
Do I Need to Wait to Get a Special Needs Plan?
If you qualify for a Washington Parish SNP, you can join or switch plans during a Medicare Election Period. For most people, the Annual Election Period (AEP), which starts on 15 October and ends 7 December, is the time they update their enrollment.
Most of us also get an Individual Election Period (IEP), but it only comes around once. Your IEP is based on your 65th birthday. It starts three months before your birth month and ends three months after, so you have plenty of time.
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.
Getting Enrolled in a Special Needs Plan in Washington Parish, Louisiana
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.
Medicare Advantage and Part D plans and benefits offered by the following carriers: Aetna Medicare, Anthem Blue Cross Blue Shield, Aspire Health Plan, Dean Health Plan, Devoted Health, GlobalHealth, Health Care Service Corporation, Cigna Healthcare, Humana, Molina Healthcare, Mutual of Omaha, Premera Blue Cross, Medica Central Health Plan, SCAN Health Plan, Scott and White Health Plan now part of Baylor Scott & White Health, UnitedHealthcare(R), and Wellcare.
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, "Chronic Condition Special Needs Plans (C-SNPs)", Last Accessed September 11, 2023
- Medicare.gov, "Understanding Medicare", Last Accessed May 17, 2023