Browse Dual Special Needs plan options
Dual Special Needs plans (D-SNPs)
- For people with both Medicare and Medicaid
- Typically offer many extra benefits beyond Original Medicare
- Include prescription drug coverage and help to coordinate care
- Have $0 monthly plan premiums1
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Did you know?
If you have Medicare and Medicaid, UnitedHealthcare Dual Special Needs plans are there for what matters to you, today and tomorrow
Benefit availability and coverage may vary by service area
Food, OTC and utility bill credit
Get a monthly credit to spend on healthy food, over-the-counter (OTC) products and utility bills. It's a healthy boost to your budget.
Prescription drug coverage
Dual Special Needs plans always include prescription drug coverage. Most members enjoy $0 copays on all covered prescriptions.3
Vision benefits
Most members can access one of Medicare Advantage's largest national vision networks, get a routine annual eye exam covered at a $0 copay and enjoy an eyewear allowance.2
See what's waiting for you
America’s most chosen Dual Special Needs plans
Benefit availability and coverage may vary by service area
UCard
Your UnitedHealthcare UCard® is your member ID and so much more. Only the UCard gives you access to a large network of Medicare Advantage providers, credit to help pay for healthy food, OTC products and utilities, and more.
Renew Active
Stay active with a free gym membership through Renew Active and a free Fitbit to help you reach your health and fitness goals.4
Online enrollment is fast, easy and secure
$0 copays
on covered generic and brand name prescriptions including home delivery in most areas
Routine transportation
Transportation rides are available to and from plan-approved locations like doctor’s visits, hearing and vision providers and pharmacies at no cost. The routine transportation benefit provides rides to help make sure you have access to take care of your healthcare needs.5
Is a Dual Special Needs plan right for you?
It might be right if...
- You have Medicare and Medicaid6
- You have complex medical needs
- You need help to coordinate your care
- You would like extra benefits and features at no extra cost
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:
- Dual Special Needs plans (D-SNPs) for people who have both Medicare and Medicaid (called “dual eligible”)
- Chronic Special Needs plans (C-SNPs) for people living with severe or disabling chronic conditions
- 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 still considered an I-SNP.
You have options
Not all D-SNPs are available in all areas. But there may be other Medicare Advantage plans that may be 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.7
1 Dual Special Needs plans have a $0 premium for members with Extra Help (Low Income Subsidy).
2 Benefits, features and/or devices vary by plan/area. Limitations, exclusions and/or network restrictions may apply.
3 Optum Rx home delivery is not available for the AARP Medicare Rx Preferred (PDP) plan in the following territories: Guam, American Samoa, U.S. Virgin Islands or Northern Mariana Islands.
Optum Rx is an affiliate of UnitedHealthcare Insurance Company. Optum Home Delivery is a service of Optum Rx pharmacy. You are not required to use Optum Home Delivery for a 90/100-day supply of your maintenance medication. If you have not used Optum Home Delivery, you must approve the first prescription order sent directly from your doctor to Optum Rx before it can be filled. Contact Optum Rx anytime at 1-888-658-0539 / TTY 711.
4 The Renew Active® Program varies by plan/area and may not be available on all plans. Participation in the Renew Active program is voluntary. Consult your doctor prior to beginning an exercise program or making changes to your lifestyle or health care routine. Renew Active includes standard fitness membership and other offerings. Fitness membership equipment, classes, personalized fitness plans, caregiver access and events may vary by location. Certain services, discounts, classes, events, and online fitness offerings are provided by affiliates of UnitedHealthcare Insurance Company or other third parties not affiliated with UnitedHealthcare. Participation in these third-party services are subject to your acceptance of their respective terms and policies.
UnitedHealthcare is not responsible for the services or information provided by third parties. The information provided through these services is for informational purposes only and is not a substitute for the advice of a doctor. [Gym network may vary in local market and plan. Gym network size is based on comparison of competitor’s website data as of May 2023.
5 Benefits, features and/or devices vary by plan/area. Limitations, exclusions and/or network restrictions may apply. Virtual visits may require video-enabled smartphone or other device. Not for use in emergencies. Not all network providers offer virtual care.
6 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.
7 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.