Before enrolling you must have Medicare Part A and Part B. You will continue to pay for your Part B. All plans will have deductibles, copay and maximum out of pocket costs. For Dual Eligible plans, Medicaid will pick up most of your costs. These plans are specifically designed for individual groups so you have to qualify.
Enrollment periods for these plans include all the enrollment periods that Medicare Advantages plans have. Special Enrollment periods include:
- Qualifying for Medicaid: Once you qualify for Medicaid you qualify for a special enrollment period
- Being diagnosed with a chronic condition: If your chronic condition falls under the guideline you will qualify for a special enrollment period
- If you move in or move out of an institution: This qualifies for a special enrollment period
If you lose your eligibility state, you will qualify for a special election period and you will be able to join another plan or return to Original Medicare and get a Medicare Supplement (Medigap) plan.
Learn More: What are Institutional Special Needs Plans?
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