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Chronic Special Needs Plans (C-SNPS)

Learn more about Chronic Special Needs Plans (C-SNPS) below or click for your FREE no-obligation consultation.


Chronic Special Needs Plans or C-SNPs are a type of Medicare Advantage Plan within the Special Needs Plan subcategory. As the name suggests, this program is for those who have severe and chronic disabling conditions.



C-SNPs are among the most exclusive of the Special Needs Plans. You must suffer from one of the 15 types of chronic and debilitating conditions listed. Some examples of these conditions are:

● Cancer
● Major depressive disorder
● Hemophilia
● Chronic heart failure


C-SNP policies offer greater coverage for the services you need the most. In addition, you can get a plan which gives you focused coverage. You can also get one angled toward treating comorbid conditions (diabetes and chronic heart failure). This is the best policy to meet your medical needs for someone who may suffer from multiple serious conditions.

You can have a policy that focuses on these groupings:

● Diabetes and chronic heart failure
● Cardiovascular disorders and chronic heart failure
● Cardiovascular disorders and diabetes
● Diabetes, cardiovascular disorders, and chronic heart failure
● Combinations of the above and stroke


If you are eligible to enroll in a C-SNP, here are the Medicare enrollment periods you should take note of:

Initial Enrollment Period: The Initial Enrollment Period is a seven-month period that starts your Medicare eligibility. It begins three months before your 65th birthday and ends three months after.

Annual Enrollment Period: AEP begins on October 15th and ends on December 7th of every year. During this period, you have the option to make changes to your Medicare coverage, such as switching from Original Medicare to Medicare Advantage. If you’re currently enrolled in Medicare Advantage, you also have the option to switch to a different Medicare Advantage Plan.

Special Enrollment Period: The SEP can be triggered in several ways but is ultimately unique to the individual’s situation. It is best to speak with a Medicare Specialist to determine if you qualify for a SEP. One of the most common reasons beneficiaries qualify for this period is because they moved out of their plan’s service area. If you qualify for this period, you have the option to make changes to your Medicare Advantage Plan, or you switch back to Original Medicare.

If you have more questions or need help figuring out if a C-SNP plan is right for you, get in touch with one of our Medicare Specialists.

Get The Right Medicare Plan Today

Dale Wondisford


15 Years experience helping hundreds of families get the best insurance policy to meet their needs.


Fill out the form to get your questions answered by Dale Wondisford wih a FREE no-obligation consulation.

laina roy
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I have had the opportunity to have meet Dale approximately 7 years now. I have never had someone take the time to check what’s the best way to insure myself. He does a very in depth review of what was going on with health issues and the medications, in order to place me with an insurance that’s going to save on my costs
Mark Poff
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Dale is very knowledgeable and experienced working with the many offered medicare plans finding the best plan that benefits his clients which he did for my wife and I. I highly recommend Dale as I totally respect his judgement of which plan is best for the client.
Richard Hibbard
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Dale is really helpful he will get you a answer to any questions you may have. He even got on a three way call so we could hear what was going on. He always returns your call promptly. Dale is very knowledgeable about all types of insurance. Very friendly and no pressure tactics to buy. Would highly recommend Dale.