CSNPs & Medicare

If you have a chronic medical condition and are eligible for Medicare, you may be eligible for a special type of Medicare Advantage Plan known as a C-SNP (Chronic Special Needs Plans). Call us today at iHealthBrokers at 888-410-0344. Our services are 100% FREE!!!

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CNSPs are a type of Medicare Advantage Plan also known as Medicare Part C. Medicare Part C plans replace original Medicare entirely. You’ll give us access to the extremely broad Original Medicare network in favor of additional benefits, set copays, and out of pocket maximums.

CSNPs are tailored to meet the needs of your condition. For example, you might have lower copays to see a specialist often involved in treating your condition. If you have diabetes, you might have a $20 copay for most specialist, but no copay for an endocrinologist, cardiologist and podiatrist as these specialists are often needed to treat diabetes.

CSNPs are offered by private carriers so prices and benefits do vary, but what’s important to note is that the benefits will be tailored to your condition. So, you may find that these plans are more cost friendly for you than others.


In order to be considered eligible for a CSNP, you must be eligible for Medicare plus meet the criteria for your condition and plan. .

There is a very long list of chronic conditions which may make you eligible.

You will need to provide documentation to enroll in a CSNP. Very often you can enroll in the plan without the documentation, but will need to provide it within a month or risk being dropped. Your plan will provide specific details, but very often your doctor will need to provide specific paperwork regarding your overall health and your condition.

You can enroll in a CSNP during your individual open enrollment or during the annual open enrollment. Your individual open enrollment is the three months before your turn 65, your birth month and the three months after. The annual enrollment period is the same time every year from October 15-Dec. 7. During this time you may join, switch or drop a plan. You may also qualify for a special enrollment period. If so, you can enroll at that time.

CSNP’s are a type of Medicare Advantage plan. So the hospitals and doctors you wish to visit must be in network, i.e. they must accept your carrier’s plan. You can check with your doctor in advance to determine which plans they accept. Most CSNP’s operate as HMO’s (although there are some PPO options) which means you will be required to have a designated primary care physician. You can check out all of the options available to you on Medicare.gov by accessing the plan finder.

You may also contact your carrier of choice and work with an agent during your individual open enrollment period or during the annual enrollment period. Additionally, you can work with a broker who will help you compare and contrast all the plans available to you.


Your costs for a Special Needs Plan vary dependent upon your plan and carrier. Although these plans are regulated by Medicare the premiums and copays are determined by the carrier. You may still have to pay for Medicare Part B plus an additional monthly premium or not at all. Although the prices and benefits of the plans will vary, if CSNP is available to you, it’s definitely an option that you will want to research.


If you have any further questions, please feel free to contact us here at iHealthBrokers at 888-410-0344 or https://ihealthbrokers.com/


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