Updated May 2026
Dual-Eligible Special Needs Plans (D-SNP)
Dual-Eligible Medicare Plans in 36567, AL
If you qualify for both Medicare and Alabama Medicaid, a Dual-Eligible Special Needs Plan (D-SNP) can dramatically lower your out-of-pocket costs and add supplemental benefits Original Medicare doesn't include. Below is every D-SNP available in 36567, AL, ranked by CMS Overall Star Rating and filtered to plans currently accepting new members.
Available
Carriers
Star Rating
Plans
Reviewed by: Wes Ward, Founder & Data Lead • View our methodology
Important: We are not affiliated with Medicare, CMS, Alabama Medicaid, or any insurance plan. This page displays publicly available CMS and state Medicaid program data to help you research Dual-Eligible Special Needs Plans. We do not sell insurance or determine Medicaid eligibility. For official enrollment, visit Medicare.gov, Alabama Medicaid, or call 1-800-MEDICARE.
What Is a Dual-Eligible Special Needs Plan?
A Dual-Eligible Special Needs Plan (D-SNP) is a type of Medicare Advantage plan designed specifically for people who qualify for both Medicare and Medicaid. D-SNPs coordinate benefits between the two programs, typically offering:
- $0 or very low monthly premium — Medicaid covers the Medicare Part B premium for most dual-eligibles, and D-SNP premiums are often $0.
- $0 or very low copays on most services — covered doctor visits, hospital stays, and preventive care typically have no out-of-pocket cost.
- Prescription drug coverage included (Part D), with Medicaid-level cost-sharing via the Low-Income Subsidy (LIS).
- Extra benefits tailored to dual-eligibles — things like dental, vision, hearing aids, transportation to medical appointments, healthy-food stipends, and over-the-counter (OTC) allowances are common.
- Coordinated care management — a care coordinator helps navigate both Medicare and Medicaid systems, which reduces paperwork and missed care.
D-SNPs come in three common variants: Coordination-Only D-SNPs, Highly Integrated D-SNPs (HIDE), and Fully Integrated D-SNPs (FIDE) — FIDE plans combine Medicare and Medicaid into a single card and a single benefit package. The table below shows the D-SNP type for each plan available in 36567, AL.
What a typical dual-eligible pays
For a full-benefit dual-eligible (someone enrolled in full Medicaid, not just the QMB/SLMB/QI Medicare Savings Programs), a D-SNP typically means $0 monthly premium, $0 copays for doctor visits, $0 copays for hospital stays, and prescription cost-sharing capped at the annual LIS maximums (a few dollars per generic and a low-teens-dollar amount per brand-name drug). Institutional residents and HCBS-waiver enrollees usually pay $0 even for prescriptions.
Partial-benefit dual-eligibles (QMB-only, SLMB, QI) have Medicaid cover Medicare premiums and cost-sharing but not other services, so their out-of-pocket costs on a D-SNP may be slightly higher than a full-benefit dual. Your specific plan's Evidence of Coverage is the authoritative source for exact cost-sharing.
Do You Qualify for a D-SNP in 36567, AL?
To enroll in a D-SNP, you must meet all three of the following:
D-SNP Eligibility Checklist
- You're enrolled in Medicare. Most dual-eligibles qualify through age 65+, though some qualify under 65 via disability (SSDI) or End-Stage Renal Disease (ESRD).
- You qualify for Alabama Medicaid. Eligibility depends on your income, assets, and category. Alabama offers several pathways — see the program summary below.
- You live in the plan's service area. Every D-SNP in the table below includes 36567, AL in its service area.
Not sure if you qualify for Medicaid? To apply for Alabama Medicaid, visit medicaid.alabama.gov or call 1-800-362-1504.
Alabama Medicaid · Alabama Medicaid
Alabama Medicaid is administered by the Alabama Medicaid Agency and covers aged, blind, and disabled residents who meet income and asset limits. Most dual-eligibles qualify through SSI-related categories.
- Apply online
- medicaid.alabama.gov
- Phone
- 1-800-362-1504
State Medicaid rules change; always verify current eligibility and application steps directly with Alabama Medicaid.
Medicaid eligibility rules change frequently. The information above is sourced from the official Alabama Medicaid program as of May 2026. Always verify current eligibility directly with Alabama Medicaid before making enrollment decisions.
D-SNP Plans Available in 36567, AL
The table below lists every Dual-Eligible Special Needs Plan available in 36567, AL, ranked by CMS Overall Star Rating. With 38 D-SNPs available, 36567, AL has one of the most competitive D-SNP markets — we show the top 8 by star rating; call the plans directly for full benefit details. Of the plans shown, 15 have a $0 monthly premium before Medicaid offsets; most dual-eligibles pay $0 on any D-SNP after Medicaid picks up the Part B premium.
| Plan | D-SNP Type | Star Rating | Monthly Premium | $0 Deductible Tier |
|---|---|---|---|---|
| Devoted Dual Plus 042 Fl (HMO D-SNP) Devoted Health | D-SNP | 5.0 ★ | $3 | Yes |
| Devoted Dual 043 Fl (HMO D-SNP) Devoted Health | D-SNP | 5.0 ★ | $0 | Yes |
| Humana Gold Plus Snp-De H1036-314 (HMO D-SNP) Humana | D-SNP | 4.5 ★ | $0 | No |
| Humana Gold Plus Snp-De H1036-214 (HMO D-SNP) Humana | D-SNP | 4.5 ★ | $0 | Yes |
| Humana Dual Integrated (HMO D-SNP) Humana | D-SNP | 4.5 ★ | $0 | No |
| Aetna Medicare Dual Select (HMO D-SNP) Aetna Medicare | D-SNP | 4.5 ★ | $0 | Yes |
| Aetna Medicare Full Dual Select (HMO D-SNP) Aetna Medicare | D-SNP | 4.5 ★ | $0 | Yes |
| Uhc Dual Complete Fl-D003 (PPO D-SNP) Unitedhealthcare | D-SNP | 4.0 ★ | $5 | Yes |
How to read this table: "D-SNP Type" shows whether the plan is Coordination-Only, HIDE, or FIDE — FIDE offers the most integrated experience. The CMS Star Rating reflects overall plan quality across all measures (1–5 stars). "Monthly Premium" is before Medicaid offsets; most dual-eligibles pay $0. Specific benefits (dental, vision, OTC, transportation) vary by plan — the plan's Evidence of Coverage is the definitive source.
Compare every Medicare plan — including non-D-SNP options
If you're not sure yet whether you qualify for Medicaid, or you want to see all Medicare Advantage options in 36567, AL (including non-D-SNP plans), the 36567, AL plan page lists every Medicare plan in your area.
See All Medicare Plans in 36567, AL →Finding Doctors Who Take D-SNPs in 36567, AL
D-SNPs are Medicare Advantage plans with their own provider network. Unlike Original Medicare (where any provider who accepts Medicare can see you), a D-SNP generally requires you to use in-network doctors for the lowest cost-share. Practical sequence: (1) shortlist a plan or two from the table above, (2) call each doctor's office directly to confirm they accept that specific plan, and (3) if you see multiple specialists, confirm each one accepts the same plan before you enroll.
- "Do you currently accept [plan name & contract ID]?"
- "Are you accepting new patients with this plan?"
- "Is your practice listed in this plan's provider directory?" (Directories are often out of date — verbal confirmation is more reliable.)
- "Do you take the plan for both medical visits and any referrals I'll need?"
Below are high-volume primary care and general practice physicians in or near 36567, AL. Use the questions above when you call:
James D. Stallworth, Jr.
Amy P. Younce
Hospitals Serving 36567, AL
For dual-eligibles, hospital care is typically fully covered with $0 out-of-pocket (Medicare pays first, Medicaid picks up the remainder via your D-SNP). These are the nearest hospitals with full quality profiles on our site:
Baldwin Health
Thomas Hospital
Eastpointe Hospital
Usa Health Children's & Women's Hospital
Mobile Infirmary Medical Center
36567, AL Community Context
Dual-eligible populations often face social determinants of health — food insecurity, transportation gaps, housing instability, digital access — that affect healthcare outcomes as much as clinical care. D-SNPs increasingly include supplemental benefits that address these needs (meal delivery, ride-share credits, OTC cards). The community-level indicators below are drawn from the CDC and our sister sites.
Social Determinants of Health in 36567, AL
CDC PLACES tracks community-level barriers that predict health outcomes. Many D-SNPs offer supplemental benefits specifically designed to address these:
Transportation Barriers
Adults who lack reliable transportation for daily needs. Many D-SNPs offer ride credits to medical appointments and the pharmacy.
Food Insecurity
Adults who couldn't afford balanced meals in the past year. Several D-SNPs include grocery stipends and healthy-food cards.
Social Isolation
Adults reporting they usually feel socially isolated. Care coordinators in D-SNPs help connect members to community services.
Source: CDC PLACES (2025) — census-tract estimates rolled up to zip using population-weighted aggregation.
Neighborhood & Infrastructure
Dual-Eligible Market Signals
Of residents are on Medicaid · 37% draw Social Security income. Both signals strong dual-eligible demand. See the full neighborhood profile at BestNeighborhood.org.
Broadband / Telehealth
Households with fiber broadband — reliable internet makes virtual care coordination easier. Check your address at ISPReports.org.
In 36567, AL, transportation barriers affect roughly 1 in 6 adults — a D-SNP with ride-to-appointment credits can meaningfully reduce missed visits. Food insecurity is elevated here, so D-SNPs that include grocery stipends or healthy-food cards deliver above-average value. Rates of reported social isolation are above national average; D-SNP care coordinators who proactively connect members to community services make a measurable difference in this context. When comparing plans above, give extra weight to the specific supplemental benefits that address the elevated indicators you see here.
Your Next Steps
If you think you may qualify for a D-SNP in 36567, AL, here's a practical checklist:
- Confirm your Medicaid status. To apply for Alabama Medicaid, visit medicaid.alabama.gov or call 1-800-362-1504. Dual-eligibility rules in Alabama depend on income, assets, and category (aged, blind, disabled, etc.).
- Review the D-SNP plan table above. Higher CMS Star Ratings correlate with better service and fewer complaints. FIDE plans offer the most integrated experience.
- Check extra benefits. Call each shortlisted plan and ask about dental, vision, OTC allowances, transportation, meals, and fitness benefits — these vary widely.
- Verify your doctors and prescriptions. Every plan has its own provider network and drug formulary. Confirm before you enroll.
- Ask about the Special Enrollment Period. Unlike standard Medicare, dual-eligibles can change D-SNPs once per quarter in the first three quarters of the year, plus during Annual Enrollment (Oct 15 – Dec 7). Review enrollment dates →
D-SNPs in 36567, AL: Common Questions
Do I qualify for a D-SNP in 36567, AL?
You qualify for a D-SNP if you are enrolled in Medicare (Part A and Part B), you qualify for Alabama Medicaid, and you live in a plan's service area. Every D-SNP listed on this page serves 36567, AL. To check your Medicaid eligibility, To apply for Alabama Medicaid, visit medicaid.alabama.gov or call 1-800-362-1504.
How much does a D-SNP cost dual-eligibles in 36567, AL?
Most full-benefit dual-eligibles pay $0 monthly premium and $0 copays on a D-SNP — Medicaid covers the Medicare Part B premium and any Medicare cost-sharing. Partial-benefit dual-eligibles (QMB, SLMB, QI) may pay slightly more on some services. The plan's Evidence of Coverage is the authoritative cost source.
Which doctors and hospitals accept D-SNPs in 36567, AL?
D-SNPs are Medicare Advantage plans with their own provider networks. Doctors and hospitals must be in-network for the plan to cover care at $0 cost-share. Always call the doctor's office directly and ask: "Do you accept [plan name and contract ID]?" Provider directories are frequently out of date — verbal confirmation is more reliable.
What extra benefits do D-SNPs in 36567, AL include?
Most D-SNPs include supplemental benefits not available in Original Medicare: dental, vision, hearing aids, over-the-counter (OTC) allowances, transportation to medical appointments, and — increasingly — healthy-food stipends. These benefits vary widely by plan, so the table above should be paired with a phone call to each shortlisted plan to confirm exactly what's included.
What happens if I lose Medicaid while on a D-SNP?
CMS provides a grace period (usually 1 to 6 months, depending on the plan) during which your D-SNP continues to cover you while you work to regain Medicaid. If you don't regain Alabama Medicaid by the end of the grace period, you'll be disenrolled from the D-SNP and have a Special Enrollment Period to pick a standard Medicare Advantage plan. Staying current on your Alabama Medicaid renewal paperwork is the single most important thing dual-eligibles can do to preserve coverage.
Can I change D-SNPs in 36567, AL outside of Annual Enrollment?
Yes. Dual-eligibles have a quarterly Special Enrollment Period (SEP) that lets you change D-SNPs once per quarter during the first three quarters of the year, in addition to Annual Enrollment (October 15 to December 7). This flexibility is unique to dual-eligibles and is designed to prevent people from being locked into a plan that isn't working for them.
About the Reviewer
Wes Ward
Founder & Data Lead
Wes Ward reviews all D-SNP pages and methodology for data accuracy. Every plan, star rating, and state Medicaid data point goes through a validation pipeline before publication. We display only publicly available CMS and state Medicaid data; you never need to enter personal information to see any of it.
With 25+ years in data analytics — including work with highly regulated genomic data at Ancestry.com — Wes brings enterprise-level rigor to healthcare transparency. He is also a co-founder of BestNeighborhood.org, CrimeGrade.org, and ISPReports.org.
Data sources: CMS Medicare Advantage Plan Benefits (February 2026), CMS Medicare Part C & D Star Ratings (February 2026), Alabama Medicaid program documentation, CMS NPPES, Physician Compare, CrimeGrade.org, BestNeighborhood.org, ISPReports.org. This page is for informational purposes only and is not legal, financial, or medical advice. Medicaid and D-SNP rules change; always verify current eligibility and plan details directly before enrolling. Read our full methodology → • Privacy policy
Medicare Resources
How to Choose a Medicare Plan
In-depth guide to plan types, Star Ratings, drug tiers, and costs.
Enrollment Checklist
Printable step-by-step guide to gather your info and enroll.
Enrollment Dates & Deadlines
Key periods and D-SNP quarterly SEP rules.
Questions for Your Doctor
Printable list to confirm D-SNP acceptance and coverage.
Medicare Glossary
Definitions for dual-eligible, FIDE, HIDE, and 40+ other terms.
Our Methodology
Learn how we source and verify CMS and state Medicaid data.