Browse Dual Special Needs plans
Dual Special Needs plans (D-SNPs)
- Are designed for people with both Medicare and Medicaid
- Give you more for your Medicare dollar
- Include predictable prescription drug coverage and $0 preventive care
- Include a monthly credit for OTC products and healthy food
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Reliable Medicare plans with benefits built to be used
If you have Medicare and Medicaid, UnitedHealthcare Dual Complete is coverage you can count on. We’re America’s most chosen brand for Dual Special Needs plans,1 with coverage 4 out of 5 members recommend. A Dual Complete plan helps you get more of the extras you love, along with what you already receive from Medicaid.
Monthly credit to pay for OTC products and healthy food
Use your UnitedHealthcare UCard® to help pay for OTC products and healthy food.3
Large network of Medicare Advantage providers including doctors and specialists4
UnitedHealthcare is America's most-chosen brand of Medicare Advantage plans, with a large national network of providers.
Ucard
UnitedHealthcare UCard® is your member ID and much more, opening doors for all your care.
Rewards for healthy activities
Earn rewards for physical activity, an annual wellness visit and more.5
Benefit availability and coverage may vary by service area
Is a Dual Special Needs plan right for you?
It might be right if...
- You have Medicare and Medicaid7
- You have complex medical needs
- You need help to coordinate your care
- You want the extras you love, along with what you already receive from Medicaid
It might not be right if...
- You qualify for either Medicare or Medicaid but not both
- You do not receive Original Medicare benefits
- You live outside an eligible plan coverage area
Types of Special Needs plans
Chronic Special Needs plans (C-SNPs)
For people living with qualifying chronic conditions
Dual Special Needs plans (D-SNPs)
For people who have both Medicare and Medicaid (called “dual eligible”)
Institutional Special Needs plans (I-SNPs)
For people who live in a skilled nursing facility
A person who lives in a contracted assisted living facility and needs the same kind of care as those who live in a skilled nursing facility may qualify for an Institutional-Equivalent Special Needs plan (IE-SNP). This is a special type of I-SNP.
You have options
If a D-SNP is not available in your area, there may be other Medicare Advantage plans that are a good fit for you.
The UnitedHealthcare Right Plan Promise™
Be confident in your choice of Medicare plan
Our commitment to helping you find the right UnitedHealthcare Medicare plan. Enter your ZIP code and tell us what you want most, like included dental coverage, extra benefits, low monthly premiums and more.8
Supporting you through your Medicare journey
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Find a plan
Meet with us
Make an appointment with a licensed insurance agent in your area.
Some of the benefits on a Dual Special Needs plan may also be available from the state Medicaid program or a managed Medicaid plan.
Benefits, features and/or devices may vary by plan/area. Limitations, exclusions and/or network restrictions may apply.
1 Most chosen based on total D-SNP plan enrollment from CMS Enrollment Data, May 2024.
2 Dual Special Needs plans have a $0 premium for members with Extra Help (Low Income Subsidy) from Medicare.
3 OTC and healthy food benefits have expiration timeframes. Call your plan or review your Evidence of Coverage (EOC) for more information. Eligibility for the healthy food benefit under the Value-Based Insurance Design model is limited to members with Extra Help and will be determined after enrollment. For TN only: The healthy food benefit is a special supplemental benefit only available to chronically ill enrollees with a qualifying condition, such as high blood pressure, high cholesterol, chronic and disabling mental health conditions, diabetes and/or cardiovascular disorders, and who also meet all applicable plan coverage criteria. There may be other qualified conditions not listed. Contact us for details.
4 Provider network may vary by local market. Provider network size based on Zelis Network360, May 2024.
5 Reward offerings may vary by plan and are not available in all plans. Reward program Terms of Service apply.
6 Virtual visits may require video-enabled smartphone or other device. Not for use in emergencies. Not all network providers offer virtual care.
7 Dual eligible enrollees are either Full Dual Eligible or Partial Dual Eligible. Full Dual Eligible enrollees qualify for full stale Medicaid benefits, including covered medical care, whereas Partial Dual Eligible enrollees, don’t qualify for medical benefits through their state Medicaid program, but may qualify for additional help. Check eligibility requirements before you start the enrollment process. Some D-SNPs only accept members who are Full Dual Eligible.
8 The Right Plan Promise is our commitment to provide you with tools and agent/producer support to help you find a plan in UnitedHealthcare’s Medicare plan portfolio that meets your needs. It is not a guarantee that UnitedHealthcare offers a plan that meets the needs of every consumer. Plan recommendations are based on the information that you provide regarding your health coverage needs. Requests to disenroll or change plans remain subject to applicable Medicare regulations and Federal and state laws/regulations.