Which of the following is a type of Medicare Advantage Special Needs Plan (SNP)?
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Answer & full 3-part explanation (select an option above, or peek)
Why C is correct
Medicare Advantage Special Needs Plans (SNPs) are designed for specific populations. The three types are the Dual-Eligible SNP (D-SNP) for beneficiaries eligible for both Medicare and Medicaid, the Chronic Condition SNP (C-SNP) for those with severe or disabling chronic conditions, and the Institutional SNP (I-SNP) for beneficiaries residing in long-term care institutions or who need institutional-level care. SNPs tailor benefits and networks to their members' special needs. SNPs are the Medicare Advantage products designed around a defined population's needs. The institutional category serves beneficiaries in long-term care settings, the dual-eligible category serves Medicare-Medicaid beneficiaries, and the chronic-condition category serves people with specified severe conditions, each with benefits tailored to the group.
Why the other options are wrong
- D) There is no default state fee-for-service SNP; fee-for-service describes Original Medicare. A state's default fee-for-service plan is not a Special Needs Plan; SNPs are Medicare Advantage products serving defined populations.
- A) An SNP is a type of Medicare Advantage plan, not a supplement to Original Medicare. Original Medicare has no supplemental drug plan of this type; prescription drug coverage is delivered through Part D, not through a Medicare Advantage SNP.
- B) Medigap plans do not become SNPs; Medigap and Medicare Advantage are separate product families. Medigap Plan F is a standardized supplement policy, and the SNP category does not include Medigap products with drug riders.
Memory hook
SNP trio: D-SNP for duals, C-SNP for chronic conditions, I-SNP for institutions.