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Dual Eligible Special Needs Plans (D-SNPs) In New York

If you have both Medicare and Medicaid you can enroll in an Empire Dual Special Needs Plan, or D-SNP. It's a Medicare Advantage (Part C) plan that supports your whole health, all in one simple plan at little to no cost to you.

Need help finding the right plan? Talk to a licensed agent:


Am I Eligible For A D-SNP?

Medicare Advantage Dual Special Needs Plans are for people in New York who are eligible for both Medicare and Medicaid. These plans offer coordinated care and additional coverage not available with Original Medicare. A D-SNP from Empire can make life easier and help you stretch your budget.

Count On Valuable Benefits With An Empire D-SNP


Depending on your D-SNP eligibility, you can get benefits like these that make life easier and support your health and budget. Plus, Empire offers both full and partial D-SNPs based on your Medicaid status.*

Benefits Prepaid Card

Over-the-counter health items, groceries, and utilities

$0   Premiums

Most plans have $0 monthly premiums which is good news for your pocketbook

$0  Copays

$0 prescription drug copays means your money goes further

Dental & Vision Benefits

Routine exams, cleanings, and a yearly eyewear allowance

Hearing Benefits

Routine hearing exams and hearing aids


Rides included to plan-covered services

Gym Membership

Stay in shape with free access to SilverSneakers® gym membership

Assistive Devices

This allowance supports your mobility and makes life a little easier

In-Home Support

Get companionship and support to enhance your quality of life

*Partial D-SNP plans not available in all states. 

Flex Card: Great Benefits On One Card

With a D-SNP, you can get an Empire Benefits Prepaid Card with a monthly or quarterly allowance that you can use to pay for everyday items and expenses, such as:


Over-the-counter (OTC) health items


Healthy groceries


Assistive devices




Transportation costs


Dental, vision, or hearing out-of-pocket costs


Your card is preloaded, so it's ready to use just like a prepaid credit or debit card. Availability, benefits, and amounts may vary based on your state.

Smart Tip: Check to see if your doctors are in our network, and your prescriptions are covered with our easy-to-use tool.

How Do I Enroll In An Empire D-SNP?

You Don't Have To Wait


Once you've signed up for Original Medicare, you can enroll in a Dual Special Needs Plan anytime if you have Medicaid or become eligible for Medicaid.


If you already have a D-SNP, you can switch your plan once per quarter from January 1 through September 30, and during the Medicare Annual Enrollment Period from October 15 through December 7 each year.


Shop Dual Special Needs Plans  

Smart Tip: If you're not eligible for a D-SNP, Empire offers other Special Needs Plans (SNPs) and Medicare Advantage plans that might be right for you.

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Find and compare Medicare Advantage plans in your area.

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Frequently Asked Questions About D-SNPs

Dual eligible means that you qualify both for Original Medicare as well as Medicaid. The state you live in decides who qualifies for Medicaid, and what types of Medicaid benefits you can receive.

Original Medicare is coverage managed by the federal government for people 65 or older, younger people with certain disabilities, and people with End-Stage Renal disease. Medicaid is a state program that provides medical and/or supplementary benefits based on your income level.

Most D-SNPs come with $0 premiums, copays, and deductibles. The amount you pay for a premium or out-of-pocket costs depends on whether you are fully or partially eligible. If you receive full Medicaid benefits, nearly all of your out-of-pocket costs should be covered by your state.

Full dual eligible means you receive full Medicaid benefits from your state’s program. Your Medicare Part A and B premiums and nearly all of your out-of-pocket costs may be paid based on your state’s program.


Partial dual eligible means you qualify for Medicaid but based on your income, you don’t receive full medical benefits. Depending on your state, you may have to pay some out-of-pocket costs for premiums and medical care.

No, not at all. A D-SNP lets you keep all your Medicaid benefits and coordinates them with your Medicare coverage. That way you can access all your benefits more easily. With an Empire D-SNP, you'll get valuable benefits and the support you need.

Read Our Medicare Articles


Compare the differences between Medicare and Medicaid plans. You can also take a deeper dive and learn about Medicare Advantage enrollment, benefits, and more.

Attend A Free Event


Sign up and find out how Empire Medicare plans help cover costs that Original Medicare doesn’t. You can attend a virtual webinar, or a live seminar where a Medicare licensed agent will be present to answer your questions.

Need Help Or Ready To Shop?

Enter your Zip code below to find plans available in your area.

Have questions? Talk to a licensed agent:


 Original Medicare: Part A (Hospital Insurance) and Part B (Medical Insurance).


Empire BlueCross BlueShield is a Medicare Advantage plan with a Medicare contract. Empire BlueCross BlueShield is a SNP plan with a Medicare contract and a contract with the state Medicaid program. Enrollment in Empire BlueCross BlueShield depends on contract renewal. 

Anthem Blue Cross and Blue Shield is a Medicare Advantage plan with a Medicare contract. Anthem Blue Cross and Blue Shield is a D-SNP plan with a Medicare contract and a contract with the state Medicaid program. Enrollment in Anthem Blue Cross and Blue Shield depends on contract renewal.