Get more from Medicare and Medicaid. In one simple $0 plan.
If you have both Medicare and Medicaid, you may qualify for a dual plan that combines them, usually for $0 a month, and adds extras many people never knew they could get. One quick phone call is all it takes to find out.
Talk to a real, licensed agent. No pressure, no obligation.
See if you qualify
Answer 2 quick questions and enter your ZIP. It is free and takes under a minute.
Good news, you may qualify
Based on your answers, a $0 dual plan may be available near you. Call now and a licensed agent will confirm your eligibility and go over the plans in your area.
Call (800) 000-0000We do not sell insurance. Calls connect to a licensed agent. Not affiliated with any government agency.
What is a dual plan?
A Dual Special Needs Plan, or D-SNP, is a type of Medicare Advantage plan made just for people who have both Medicare and Medicaid. People with both are called dual eligible.
A dual plan rolls your Medicare and Medicaid benefits into one plan that works together. It is almost always $0 a month, and it usually adds extras that Original Medicare does not cover, like a spending card for groceries and over the counter items, dental, vision, hearing, and rides to your appointments.
You keep your Medicaid, you keep your Medicare, and a licensed agent can tell you in a few minutes which dual plans are offered where you live.
Learn how dual plans work, see the difference between Medicare and Medicaid, or check if you are dual eligible.
Dual plans at a glance
- Who it is for
- People with Medicare and Medicaid
- Monthly premium
- Usually $0
- Extra benefits
- Grocery/OTC card, dental, vision*
- Prescriptions
- Part D built in
- Your Medicaid
- You keep it
- How to enroll
- One phone call
What a dual plan can include
Benefits vary by plan and county and apply if you are eligible. Here is what many dual plans offer.
A grocery and OTC card2
Many dual plans load a set amount onto a card each month that you can use for groceries and over the counter items like vitamins and pain relievers, if you are eligible.
Usually $0 a month1
Most dual plans have a $0 monthly premium, and your Medicaid often helps cover other costs like copays. A licensed agent can walk you through your real numbers.
Dental, vision and hearing2
On many plans you get coverage for dental work, eye exams and glasses, and hearing aids, the kind of care Original Medicare usually leaves out.
Rides to the doctor2
Many dual plans include transportation to and from your medical visits and the pharmacy, so getting to your appointments is one less thing to worry about.
Care coordination
Many dual plans give you a care coordinator who helps you find providers, understand your benefits, and keep your Medicare and Medicaid working together.
Prescription coverage included2
Dual plans build in Medicare Part D prescription drug coverage, and for many members medications cost very little thanks to Extra Help and Medicaid.
Is a dual plan right for you?
Dual plans are not for everyone. Here is a straight answer so you know before you call.
A dual plan may be right if
- You have both Medicare and Medicaid
- You want extra benefits along with your Medicaid
- You would like help coordinating your care
- You are on a fixed or limited income
It may not be right if
- You have only Medicare or only Medicaid, not both
- You live outside a plan service area
- Another plan type fits your health needs better
- You are happy with your current coverage
Millions who qualify are missing out
About 12 million Americans have both Medicare and Medicaid, but only around 4 in 10 are enrolled in a dual plan. More than half are leaving benefits on the table simply because they do not know these plans exist.
If you have both programs, there is a good chance you could be getting more than you are today, at no extra cost. A quick call is the easiest way to find out.
See if you qualify ↓People who qualify for both Medicare and Medicaid across the country.
Getting started is simple
No forms to mail and no computer needed. Just pick up the phone.
Call the number
Dial (800) 000-0000 and a licensed agent will answer your questions. There is never any cost or obligation to call.
Check if you qualify
Your agent confirms you have both Medicare and Medicaid and finds the dual plans offered where you live, along with the extra benefits each one includes.
Enroll with help
If a plan is a good fit, your agent helps you enroll right over the phone. You keep your Medicaid, and your coverage starts on schedule.
Three things that qualify you
If these describe you, there is very likely a dual plan you can join. Not sure about one of them? A quick call sorts it out.
You have Medicare
You are 65 or older, or you qualified for Medicare through a disability.
- Part A and Part B
- Age 65 and up, or on disability
You have Medicaid
You also get help from Medicaid, or you have a limited monthly income and savings.
- Full or partial Medicaid
- Or limited income, we can check
A plan is offered near you
Dual plans are sold by county. Your agent checks which ones are available where you live.
- Availability varies by county
- We match you to your area
Good to know: you can usually join, switch, or drop a dual plan once during most calendar quarters, on top of the yearly enrollment periods, because people with Medicaid get more chances to change plans. Your agent will explain the timing that applies to you.
Extra benefits many dual plans include
Examples of what dual plans often offer. What you actually get depends on the plan and your county.
| Benefit | What it can include |
|---|---|
| Monthly premium | Usually $0 |
| Grocery & OTC card | A monthly allowance up to a set limit, if eligible |
| Dental, vision, hearing | Cleanings, glasses, and hearing aids on many plans |
| Transportation | Rides to medical visits and the pharmacy on many plans |
| Prescriptions | Part D drug coverage built in, often very low cost |
| Your Medicaid | You keep it |
These are examples only and are not a quote or an offer of coverage. Actual benefits, the grocery and OTC allowance amount, and the extras a plan includes vary by plan, county, carrier, and year, and apply only to members who are eligible. Call to find out exactly what the dual plans in your area offer.
What the grocery and OTC card can help with
- Everyday groceries like milk, bread, produce, and canned goods
- Over the counter items like vitamins, pain relievers, and first aid
- Dental care items, cold and allergy medicine, and more
- On some plans, help with utilities or other everyday needs
- Reloaded each month, up to your plan's set amount
It is a plan benefit, not government cash
The card is an allowance your dual plan gives you as a member benefit. It is loaded up to a set amount, it is only for people who are eligible, and where you can spend it depends on the plan. It is not a government check or free money.
A licensed agent can tell you which plans in your area offer a card, how much it gives, and where you can use it.
Ask about the card: (800) 000-0000How to know if you qualify
Dual eligibility comes in two levels, and each program has its own requirements. Here is the plain English version.
You get full Medicaid benefits
You receive both Medicare and full Medicaid through your state. Medicare covers most of your care while Medicaid helps pay copays, coinsurance, deductibles, and premiums. Most dual plans are built for you.
You get help through a savings program
You get help from a Medicare Savings Program that covers certain Medicare costs, but not full Medicaid medical benefits. Some dual plans accept partial eligibility, so it is worth a quick check.
To qualify for Medicare
- You are 65 or older, or have a qualifying disability
- You are a U.S. citizen or long term legal resident
- You have Medicare Part A and Part B
To qualify for Medicaid
- Your income is within your state limit
- You live in the state where you apply
- You are a U.S. citizen or meet residency rules
Not sure which describes you? That is exactly what a free call is for.
You may be wondering
What is a Dual Special Needs Plan (D-SNP)?
A Dual Special Needs Plan is a type of Medicare Advantage plan built for people who have both Medicare and Medicaid. It rolls the two into one plan, is usually $0 a month, and often adds extras like a grocery and OTC card, dental, vision, and rides to the doctor, depending on the plan and where you live.
Do I really pay $0 a month?
Most dual plans have a $0 monthly premium, and your Medicaid often helps cover other costs. What you pay depends on the plan you choose and your situation, so a quick call is the best way to see your real numbers.
Is the grocery and flex card real?
Yes, many dual plans include a monthly allowance on a card you can use for groceries, over the counter items, and sometimes other everyday needs. The amount is set by each plan, it is up to a set limit, and it is only for members who are eligible. It is a plan benefit, not free government money.
Do I keep my Medicaid if I join a dual plan?
Yes. A dual plan is designed to work together with your Medicaid, not replace it. You keep your Medicaid and the dual plan coordinates your Medicare benefits alongside it.
Can I keep my own doctor?
Often, yes. Dual plans use networks, so a licensed agent can check whether your doctors and pharmacy take a dual plan in your area before you make any change, so there are no surprises.
Is this Medicare or a government agency?
No. My Dual Plan is a private information and referral service. We are not Medicare, Medicaid, or any government agency, and we are not endorsed by one. When you call, you speak with a licensed insurance agent.
Important disclosures
- Most Dual Special Needs Plans have a $0 monthly premium. Members who receive Extra Help (the Low Income Subsidy) from Medicare typically pay $0. Your premium and costs depend on the plan you choose and your level of Medicaid eligibility.
- The grocery, over the counter, and flex card allowance, along with dental, vision, hearing, transportation, and prescription benefits, vary by plan, county, and carrier, are provided up to a set limit, and are available only to members who are eligible. Some benefits are special supplemental benefits limited to members with a qualifying chronic condition. These extras are plan benefits, not government cash, and are not guaranteed. Some benefits may also be available through your state Medicaid program.