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Am I Eligible For A D-SNP?
Medicare Advantage Dual Special Needs Plans are for people in California who are eligible for both Medicare and Medi-Cal. These plans offer coordinated care and additional coverage not available with Original Medicare.‡ A D-SNP from Anthem can make life easier and help you stretch your budget.
Count On Valuable Benefits With An Anthem D-SNP
With an Anthem D-SNP, you’ll keep your Medi-Cal coverage and get additional Medicare Advantage benefits that really add up. Depending on your eligibility, Anthem offers full D-SNPs based on your Medi-Cal status.*
Our HMO D-SNP plans include over-the-counter health items, groceries1, 2, and utilities1, 2
Monthly premiums range from $0 up to $29.70 based on Medi-Cal eligibility
$0 prescription drug copays means your money goes further
Routine exams, cleanings, and a yearly eyewear allowance
Routine hearing exams and hearing aids
Rides2, 3 included to plan-covered services
Stay in shape with free access to SilverSneakers® fitness programs
Helps you understand your benefits and get the most out of your plan
Large network of doctors and hospitals
* Plan availability, premiums, benefits, and benefit amounts may vary based on where you live, the plan you choose, and your Medi-Cal eligibility status.
Flex Card: Great Benefits On One Card
With an HMO D-SNP, you may be eligible for an Anthem Benefits Prepaid Card with a monthly or quarterly allowance that you can use to pay for everyday items and expenses, such as:
Over-the-counter (OTC) health items
Groceries1, 2
Utilities1, 2
Your card is preloaded, so it's ready to use just like a prepaid credit or debit card. Plan availability, premiums, benefits, and benefit amounts may vary based on where you live, the plan you choose, and your Medi-Cal eligibility status. Our PPO D-SNP plans do not include groceries or utilities and only some include an OTC benefit.
Smart Tip: Check to see if your doctors are in our network and your prescriptions are covered with our easy-to-use tool.
When Can I Enroll In A D-SNP?
If you have Medicare Part A and Part B, you can enroll in a Dual Special Needs Plan the month you become eligible for Medi-Cal.
If you are already enrolled in a D-SNP plan, you may be able to change plans monthly depending on your current plan and/or the plan you want to enroll in. And if you’ve had a life event such as moving, losing coverage or newly eligible for Medicare, you may qualify for a Special Enrollment Period. You can always change plans during the Annual Enrollment Period from October 15 to December 7 every year.
Smart Tip: If you're not eligible for a D-SNP, Anthem offers other Special Needs Plans (SNPs) and Medicare Advantage plans that might be right for you.
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Frequently Asked Questions About D-SNPs
Dual eligible means that you qualify both for Original Medicare‡ as well as Medi-Cal. The state of California determines who qualifies for Medi-Cal and what types of benefits you can receive.
Original Medicare‡ is coverage managed by the federal government for people 65 or older, younger people with certain disabilities, and people with End-Stage Renal disease. Medi-Cal is a state program that provides medical and/or supplementary benefits based on your income level.
Many D-SNPs come with $0 premiums, copays, and deductibles4. If you receive full Medi-Cal benefits, nearly all of your out-of-pocket costs should be covered.
Full dual eligible means you receive full Medi-Cal benefits. Your Medicare Part A and B premiums and nearly all of your out-of-pocket costs may be paid based on your state's program.
No, not at all. A D-SNP lets you keep all your Medi-Cal benefits and coordinates them with your Medicare coverage. That way you can access all your benefits more easily. With an Anthem D-SNP, you'll get valuable benefits and the support you need.
But it's important to keep in mind that you need to renew your Medicaid coverage every year to stay enrolled in a D-SNP. Medicaid benefits are reviewed by the state agency to make sure you're still eligible. You will get a notification from your state agency when it's time to complete your renewal. Make sure to return it right away because if your Medicaid coverage isn't renewed, you may lose eligibility for a D-SNP as you need both Medicaid and Medicare. Call us if you have any questions about your eligibility or plan options.
Read Our Medicare Articles
Compare the differences between Medicare and Medicaid plans. You can also take a deeper dive and learn about Medicare Advantage enrollment, benefits, and more.
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‡ Original Medicare: Part A (Hospital Insurance) and Part B (Medical Insurance).
1 Members may receive a monthly or quarterly allowance in the form of a benefits prepaid card to pay for a wide range of approved groceries and utilities. Unused amounts will expire at the end of the month or quarter. Benefits vary by plan.
2 Depending on your plan, the benefits listed may be available through the Medicare Advantage Value-Based Insurance Design Model or to eligible members as Special Supplemental Benefits for the Chronically Ill (SSBCI). You may qualify for SSBCI if you have a high risk for hospitalization and require intensive care coordination to manage chronic conditions such as Chronic Kidney Diseases, Chronic Lung Disorders, Cardiovascular Disorders, Chronic Heart Failure, or Diabetes. For a full list of chronic conditions or to learn more about other eligibility requirements needed to qualify for SSBCI benefits, please refer to Chapter 4 in the plan's Evidence of Coverage.
3 Transportation services are issued as one-way trips and provided on an annual basis. Benefits vary by plan.
4 Plan availability, premiums, benefits, and benefit amounts may vary based on where you live, the plan you choose, and your eligibility.
The Benefits Mastercard® Prepaid Card is issued by The Bancorp Bank, N.A., Member FDIC, pursuant to license by Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. This is a benefits card that can only be used at certain Mastercard merchants participating in this program and will be authorized for qualified purchases as set forth in your Terms and Conditions. Valid only in the U.S. No cash access. Other languages are available upon request.
The SilverSneakers fitness program is provided by Tivity Health, an independent company. Please talk to your doctor before starting an exercise program. SilverSneakers, the SilverSneakers shoe logo type and SilverSneakers Flex are registered trademarks of Tivity Health, Inc. © 2025 Tivity Health, Inc. All rights reserved.
Anthem Blue Cross, a Medicare Advantage organization with a Medicare Contract, offers HMO, HMO D-SNP, HMO C-SNP, and HMO I-SNP plans. Anthem Blue Cross Partnership Plan, a Medicare Advantage Organization with a Medicare Contract, offers HMO and HMO-CSNP plans. Anthem Life and Health Insurance Company, a Medicare Advantage Organization with a Medicare Contract, offers LPPO, LPPO D-SNP, and LPPO C-SNP plans. Anthem Blue Cross HMO D-SNP plans and Anthem Life and Health Insurance Company LPPO D-SNP plans additionally contract with state Medicaid programs. Anthem BC Health Insurance Company, a Medicare Advantage Organization with a Medicare Contract, offers LPPO plans. Enrollment in an Anthem Blue Cross, Anthem Blue Cross Partnership Plan, Anthem BC Health Insurance Company and Anthem Life and Health Insurance Company plans depend on contract renewal.