Dual Eligible Special Needs Plans
Our Dual Eligible Special Needs Plans (D-SNPs) help people get the most out of their coverage by coordinating benefits, care, and payments.
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What are Dual Eligible Special Needs Plans?
Dual-Eligible Special Needs Plan (D-SNPs) are designed for people with Medicare and Medicaid, coordinating benefits into one easy-to-manage plan.
Frequently Asked Questions
To be eligible for a D-SNP, you must meet be a U.S. citizen or legal resident for 5 years. You must meet one or more of the following:
- Aged 65 or older
- Diagnosed with Lou Gehrig’s Disease or End-Stage Renal Disease
- Receive Social Security disability or a disability pension from the Railroad Retirement Board for at least two consecutive years
- Qualify for original Medicare (Parts A & B)
You can join any Medicare D-SNP you qualify for during the Medicare Annual Enrollment Period (AEP) between Oct. 15 and Dec. 7.
If you’re turning 65 and newly eligible for Medicare, you can join any Medicare SNP you qualify for during your Initial Enrollment Period. That starts 3 months before you turn 65, includes the month you turn 65, and ends 3 months after you turn 65.
Every member’s plan is different, so additional costs vary.
- Most members continue to pay the monthly Medicare Part B medical premium.
- Hundreds of prescriptions have a $0 copay-so you’ll pay nothing for them all year long.*
Other costs may include copays, deductibles and coinsurance.
Yes! You can call a licensed Humana sales agent from the comfort of your home.
1Most popular plans based on 2026 plan year enrollment
*Prescription drug coverage can vary accross plans. $0 copay may be limited to specific tiers, coverage stages, 3-month supply and certain network pharmacies.
Plans are not available in all areas. Costs, coverage, and benefits vary by location.
[This spending allowance] [Chronic Condition Care Assistance] [Music Therapy] [Humana Cell Phone] is a special supplemental benefit for members with specific chronic conditions who require intensive care coordination and are at a high risk for hospitalization or other adverse health outcomes. Qualifying conditions may include diabetes mellitus, cardiovascular disorders, chronic and disabling mental health conditions, chronic lung disorders, or chronic heart failure, among others. Some plans require at least two conditions. [See the plan's Evidence of Coverage/Member Handbook for details.] If you use this program for rent or utilities, Housing and Urban Development (HUD) requires it to be reported as income. Contact your local HUD office with questions.
Plans not available in all areas. Costs, coverage, and benefits vary by location.
Humana is a Dual Eligible Special Needs [HMO SNP, PPO SNP] Plan with a Medicare contract and a contract with the state Medicaid program. Enrollment in this Humana plan depends on contract renewal.
Humana Inc. and its subsidiaries (collectively, “Humana”) comply with applicable Federal civil rights laws and do not discriminate on the basis of race, color, national origin, age, disability, sex, sexual orientation, gender identity or expression, transgender status, marital status, military or veteran status, or religion. Humana does not exclude people or treat them differently because of race, color, national origin, age, disability, sex, sexual orientation, gender identity or expression, transgender status, marital status, military or veteran status, or religion. We also provide free language interpreter services. See our full accessibility rights information and language options.
Florida residents: FL Dual-Eligible Special Needs
Plans are sponsored by Humana Medical Plan, Inc. and the State of Florida, Agency For Health Care Administration.
FOR FLORIDA: Humana is a D-SNP with a Florida Medicaid Contract. The benefit information provided is a brief summary, not a complete description of benefits. For more information contact the D-SNP. Limitations, copayments and/or restrictions may apply. [Benefits, formulary, pharmacy network, premium and/or copayments/co-insurance] may change.
FOR TENNESSEE: NOTICE: TennCare is not responsible for payment for these benefits, except for appropriate cost sharing amounts. TennCare is not responsible for guaranteeing the availability or quality of these benefits. Any reference to more, extra, or additional Medicare benefits, is applicable to Medicare only and does not indicate increased Medicaid benefits. Humana Gold Plus SNP-DE H4461-038 (HMO D-SNP) is only available for residents in the Qualified Medicare Beneficiary (QMB) Only Program without other Medicaid.
Other Pharmacies/Physicians/Providers are available in our network.
Limitations on virtual visit healthcare and prescription services delivered via remote access technology and communications vary by state. Virtual visit services are not a substitute for emergency care and are not intended to replace your primary care provider or other providers in your network. This material is provided for informational use only and should not be construed as medical advice or used in place of consulting a licensed medical professional.
Out-of-network/non-contracted providers are under no obligation to treat Humana members, except in emergency situations. Please call our customer service number or see your Evidence of Coverage for more information, including the cost-sharing that applies to out-of-network services.
Allowance amounts cannot be combined with other benefit allowances. Limitations and restrictions may apply.