Institutional Special Needs Plans
We are here to guide you through the complexities of coverage when institutional care is needed.
What is an Institutional Special Needs Plan (I-SNP)?
An Institutional Special Needs Plan (I-SNP) is a Medicare Advantage plan tailored for individuals in nursing homes or long-term care settings, providing coordinated medical care for complex health needs. It specifically serves people who:
- Live in a nursing home, skilled nursing facility, or other long-term care institution, or
- Live at home but require the same level of care that someone in a nursing facility would need
These plans are structured to coordinate more intensive medical care and support services for individuals with significant health needs.
Who Qualifies for an I-SNP?
To enroll in an Institutional SNP, a person generally must:
- Have Medicare Part A and Part B
- Live in a facility such as:
- Skilled nursing facility
- Nursing home
- Intermediate care facility
- Long-term care hospital
- Or require institutional-level care for 90 days or longer
What Makes I-SNPs Different?
Compared to regular Medicare Advantage plans, I-SNPs focus on coordinated care in long-term care settings.
They typically include:
- Dedicated care teams
- On-site medical care in facilities
- Care coordination with nursing staff
- Medication management
- Specialized providers experienced in long-term care
- Often integrated prescription drug coverage (MAPD style)
These plans can help reduce hospitalizations and improve care coordination for people with complex health conditions.
I understand that navigating I-SNP options can be complicated and confusing, and I am here to help. Contact me and we will discuss what is right for your situation.