ISNP vs CSNP: Which Medicare Advantage SNP Is Right for You?

The primary difference lies in eligibility and care focus. ISNPs are for individuals in long-term care facilities or receiving institutional-level care at home, while CSNPs are for those managing specific chronic conditions like diabetes or heart failure, typically while living independently.

Yes, it’s possible to qualify for both if you meet the requirements of each. For instance, if you live in a nursing facility and also have a qualifying chronic condition, you may be eligible for a dual-eligible Special Needs Plan that combines both elements, depending on plan availability in your area.

Yes, both ISNP and CSNP plans include Medicare Part D prescription drug coverage. These plans often tailor medication benefits to the member’s specific health needs, especially in the case of CSNPs, where drugs related to chronic conditions are prioritized.

While you don’t need a referral to apply, eligibility confirmation is required. For ISNPs, your care provider or facility must verify your residency or care level. For CSNPs, you must have a documented diagnosis of a qualifying chronic condition from a healthcare provider.

The best plan depends on your living situation and healthcare needs. If you need daily care in a facility, an ISNP may be ideal. If you’re managing a chronic illness while living at home, a CSNP could offer better support. A free consultation with a Medicare advisor can help guide your decision.