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How do I Enroll in a Special Needs Plan?

  • Medicare with Melissa

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?

People Also Read: What are Chronic Illness Special Needs Plans?

Meet Melissa MacCalla

Medicare is not simple and can be hard, frustrating, and downright confusing for most. I love when I get someone on the phone and I am given the opportunity to explain the difference in plans to them and have Medicare make sense. I enjoy talking to clients year after year, hearing about their families growing or them asking about mine.


Oh my gosh!! I was so confused about the Medicare Supplement process. I am turning 65 soon and am retired and have always had insurance thru my former employer. I didn’t know a thing about going on Medicare and was struggling to sort it all out.

A friend of mine recommended contacting Senior HealthCare Solutions, so I did. Melissa was FANTASTIC!! She was professional, responsive, caring and friendly. She explained the steps I needed to take, gathered my information, helped me choose good plans for MY specific needs and took care of my applications over the phone. 1-2-3, eesy-peesy and I was done!! And it didn’t cost me a DIME!!! WOW!!! I HIGHLY recommend Senior Healthcare Solutions for anyone who’s overwhelmed with making the right choices with Medicare Supplemental Insurance and Rx coverage. It’ll take a load off your mind!

Janice W.

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