There Is A Lot Of Advertising For Dual Plans
You will see a lot of advertising about Dual Plans throughout the year.
Dual Plans plans may have costs within the plan such as deductibles, Co-Pays, and Coinsurance. Generally speaking, the higher level of Medicaid you have the lower you may have to pay out of pocket.
We recommend that you read through the Summary Of Benefits to see what the benefits are and what you might have to pay out of pocket for your Dual Plan.
A Dual Plan is offered typically called a Dual Special Needs Plan (DSNP), and it's designed for people that have a certain level of Medicaid benefits and Medicare.
The exact benefits of a DSNP depends on your level of Medicaid, the state and county where you live, your zip code, and what the insurance companies offer in your area.
Key Points of DSNP
- Have "In Network" and "Out Of Network" when referring to healthcare providers.
- May include Additional Benefits.
- Have Enrollment Periods such as the Annual Enrollment Period (Oct 15 Dec 7).
- Always make sure all your Doctors and medications are included the DSNP Medicare Advantage plan before signing up for the plan.
What Is a Dual Plan?
Dual Plans Are Usually either HMO's or PPO's
HMO: An HMO limits you to "In Network" providers as set by the insurance company.
PPO: A PPO allows you to go outside of the network but the provider outside of the network must accept your PPO plan, so we recommend asking that Doctor before getting care from that doctor.
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