To speak with a licensed agent, call (231) 346-7122 (TTY 711 M-F, 9am-5pm) or email

McDonnell Insurance

Medicare Special Needs Plans

(231) 346-7122 //

Special medical situations require specialized care. Medicare Special Needs Plans (or SNPs) were created with this principle in mind.

SNPs are Advantage Plans that are tailored to meet the needs of individuals with certain health conditions or circumstances.

The plan network, benefits, and drug formulary are all centered on the patient’s condition in order to provide the appropriate support. Many SNP plans also assign care coordinators to assist patients in managing their condition, following physician orders, accessing community resources, and obtaining timely prescriptions.

To qualify for a Special Needs Plan on the basis of chronic illness, the Medicare beneficiary must be diagnosed with one or more of the following conditions:

  • Autoimmune disorders
  • Alzheimer’s or dementia
  • Cancer
  • Cardiovascular disease, stroke, or chronic heart failure
  • Diabetes
  • End-stage renal disease, requiring dialysis
  • Hematologic disorders
  • HIV or AIDS
  • Chronic lung disorders (such as COPD)
  • Chronic or disabling mental illness
  • Neurologic conditions

Chronic illness SNPs vary by geographical area, with insurance companies deciding where certain plan designs are offered. Therefore, not all patients with chronic conditions will be able to locate a plan designed around their needs in their area. Additionally, moving to a new home in a different coverage area will impact eligibility. A licensed insurance professional can offer more assistance in locating these plans.

Some other types of Special Needs Plans include Institutional SNPs and Dual-Eligible SNPs. A patient who is expected to be institutionalized for 90 days or longer might be eligible for an Institutional SNP, designed to coordinate the care of a patient no longer living independently.

Dual-Eligible Special Needs Plans

Dual-Eligible Special Needs Plans, or DSNPs, are available to individuals who qualify for both Medicare and Medicaid. In many cases Medicaid will pay the premiums, along with a significant portion of co-pays and deductibles.

The benefits of a DSNP include the following:

  • Telemedicine services
  • Transportation to appointments and pharmacies
  • Dental, hearing, and vision benefits
  • Gym memberships
  • Quarterly benefits for over-the-counter products

Enrollment in any SNP is based upon geographical area, and the individual must maintain enrollment in Original Medicare. Part B premiums will still be paid to Social Security, unless Medicaid eligibility covers those. The SNP will charge a premium separately, and the patient is also responsible for co-pays and deductibles as determined by the plan.

Those who become eligible for a SNP at any point during the year are eligible for a Special Enrollment Period, during which they can select a SNP.

Get Free Medicare Assistance

Friendly, licensed professionals are available to answer all of your questions. Call (231) 346-7122 or complete the form below and we’d be happy to reach out to you.

      By submitting this information, you acknowledge a licensed insurance agent may contact you by phone, email, or mail to discuss Medicare Advantage Plans, Medicare Supplement Insurance, or Prescription Drug Plans.

      Close Accessibility Tools
      Accessibility Controls Reset
      Content Adjustments
      Font Size


      Line Height


      Content Scaling


      Highlight Titles
      Highlight Links
      Highlight Forms
      Align Left
      Align Center
      Align Right
      Focus Mode
      Color Adjustments




      Accessibility Statement

      Despite our attempts to make this website accessible for everyone, there may still be some pages or sections that are not completely accessible, are in the process of becoming accessible, or do not have a suitable technological solution to make them accessible. Nevertheless, we are always striving to enhance our accessibility by adding, updating, improving its options and features, and incorporating new technologies.

      We want to provide our users with the best experience possible, so we strive to support as many browsers and assistive technologies as possible.

      If you wish to contact this website's owner, please use the contact form on the website.

      Our User Interface Adjustment Options

      Font adjustments - With this tool, users can modify font size, style, letter spacing, and line height for improved alignment and readability.

      Color adjustments - Users can customize their color contrast profiles to light, dark, desaturated, and monochrome.

      Content highlighting - Users can prioritize key elements such as links, forms, and titles.

      Content focus - Users can enable focus mode to highlight the current page information based on their mouse movement.