Does Medicare Cover Chronic Conditions?

If you’re new to Medicare, you might feel confused about its coverage. When it comes to selecting a Medicare plan, there are many things that you need to consider. One of the best ways to ensure you’re making the right Medicare choices is to work with an insurance professional, such as the ones with Kannonball Insurance Solutions!

Medicare coverage will vary depending on the plan that you select. It’s important that you choose a plan that will work well for you both now and in the future. Although if you must make changes to your plan in the future, you’ll have the option of doing so during the Annual Enrollment Period.

What are Special Needs Plans?

Medicare does cover chronic conditions. Suppose you’re someone with a chronic condition. In that case, it’s essential that you understand how Medicare coverage works and what provisions were made specifically for you.

Medicare Advantage (Part C) is a broader category of insurance policies. Within Part C is a type of policy called a Special Needs Plan (SNP). There are three types of Special Needs Plans:

  • Chronic-Condition Special Needs Plan (C-SNP)
  • Dual-Eligible Special Needs Plan (D-SNP)
  • Institutional Special Needs Plan (I-SNP)

A C-SNP will be the best option if you have a chronic condition.

All SNPs are required to provide prescription drug coverage, and they also must provide the same coverage as Parts A and B (Original Medicare).

While enrolled in an SNP (or any Medicare Advantage plan), keep in mind you also won’t be able to enroll in Medigap.

C-SNP Explained

One of the great things about this type of policy is that it’s individually catered to a diagnosis. This means that the coverage included was specifically picked for those with that diagnosis. This is one of the best ways to access the medical care you need.

Many people find that SNPs are extremely affordable. If you’re worried about paying premiums, then speak with an insurance professional and see if there are any possibilities for your situation. 

Ready to Learn More? We Can Help!

If you have a chronic condition and you’re considering your health insurance options, we can help. We’re here to guide you through the process and ensure that you have access to the resources you need to make the right decision.

Don’t hesitate to give us a call and book an appointment. Let us help you with your insurance questions, especially when regarding Medicare.