Written by Michael LaPick
Healthcare Writer
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Medicare Advantage (Part C) also includes Special Needs Plans (SNPs), customized plan types designed to provide more focused and specialized care for individuals with specific healthcare needs. These include:
Dual Eligible Special Needs Plans (D-SNPs): for individuals who qualify for both Medicare and Medicaid, also known as “dual eligibles.”
Chronic Condition Special Needs Plans (C-SNPs): designed for individuals living with specific chronic health conditions that require tailored management and support.
Medicare Advantage (MA) plans have become an increasingly popular alternative to Original Medicare. As of 2025, more than half of all Medicare beneficiaries are enrolled in an MA plan, thanks to their expanding list of supplemental benefits. Yet many enrollees remain unaware of the valuable perks that are often hidden in plain sight. Whether you’re already enrolled or shopping for coverage, understanding these benefits can help you maximize your plan and make more informed health choices.
In this guide, we’ll explore some of the most frequently overlooked Medicare Advantage benefits, why they matter, and how to take advantage of them.
What Is Medicare Advantage?
Medicare Advantage plans, also known as Medicare Part C, are an all-in-one alternative to Original Medicare (Parts A and B) offered by private insurers approved by Medicare. These plans must cover everything Original Medicare does, but many go further by bundling additional services and support.
Why It Matters:
- Comprehensive coverage in a single plan
- Extra benefits not included in Original Medicare
- Potential cost savings on premiums and out-of-pocket expenses
In 2025, most Medicare Advantage plans include various supplemental benefits—some of which you may not even realize are available.
Compare options HERE & start your health plan journey.
Special Needs Plans (SNPs): D-SNP and C-SNP Explained
Medicare Advantage also includes Special Needs Plans (SNPs)—customized plan types designed to provide more focused and specialized care for individuals with specific needs. Two important types are D-SNP and C-SNP plans.
Dual Eligible Special Needs Plans (D-SNPs)
What They Are:
D-SNPs are tailored for individuals who qualify for both Medicare and Medicaid—also known as “dual eligibles.” These plans coordinate Medicare and Medicaid benefits to help reduce out-of-pocket costs and streamline access to services.
Who’s Eligible:
- You must be enrolled in both Medicare Part A and Part B
- You must also qualify for full or partial Medicaid benefits in your state
Why It Matters:
- Offers enhanced care coordination between Medicare and Medicaid
- Often includes $0 premiums and reduced cost-sharing
- May cover additional benefits like dental, vision, transportation, and over-the-counter allowances
Chronic Condition Special Needs Plans (C-SNPs)
What They Are:
C-SNPs are designed for individuals living with specific chronic health conditions that require tailored management and support.
Who’s Eligible:
- You must have Medicare Parts A and B
- You must be diagnosed with a qualifying chronic condition, such as:
- Diabetes
- Chronic heart failure
- Cardiovascular disorders
- COPD
- End-stage renal disease (ESRD)
- HIV/AIDS
(Exact list may vary by plan and region)
Why It Matters:
- Plans include disease-specific care teams and case management
- Access to providers and treatments specialized in managing your condition
- Helps improve health outcomes and quality of life
Top Overlooked Medicare Advantage Benefits
Here’s a closer look at eight benefits you might be missing out on:
1. Over-the-Counter (OTC) Allowances
What it is:
Many MA plans offer a quarterly or monthly allowance for purchasing OTC health items.
Why it matters:
These everyday health essentials can quickly add up out of pocket. Using your OTC allowance can lead to real savings over time.
Example:
An MA plan might provide $50 every quarter for use at partner pharmacies or online retailers.
2. Meal Delivery Services
What it is:
After a hospital stay or if you have certain chronic conditions, some plans offer home-delivered meals for a specified period.
Why it matters:
Nutrition is key to recovery and disease management. This benefit supports those who may struggle to shop or cook after a hospitalization.
Tip:
Ask your plan if meals are covered after discharge or for support with chronic illnesses.
3. Transportation Assistance
What it is:
Some MA plans include transportation benefits that provide rides to medical appointments or pharmacies.
Why it matters:
Transportation barriers can lead to missed appointments or delayed medication pick-up. This benefit helps close the access gap, especially in rural or low-income areas.
Example:
Plans may include a set number of one-way trips per year or offer ride-share partnerships.
4. In-Home Support Services
What it is:
Services like personal care assistants or homemaker help (e.g., laundry, light cleaning) are included in select plans, especially for chronically ill enrollees.
Why it matters:
These supports help individuals live independently and reduce hospital readmissions.
Note:
Offered under Special Supplemental Benefits for the Chronically Ill (SSBCI), which will face stricter CMS guidelines starting in 2026.
Compare options HERE & start your health plan journey.
5. Caregiver Support and Respite Services
What it is:
Resources, training, or short-term relief for caregivers may be included.
Why it matters:
Caregivers often face stress and burnout. Supporting them improves outcomes for both patient and caregiver.
Features Might Include:
- Care coordination help
- Access to support groups or hotlines
- Limited in-home respite hours
6. Bathroom Safety Equipment
What it is:
Certain plans cover bathroom aids like grab bars, shower chairs, or raised toilet seats.
Why it matters:
Falls are a leading cause of injury in older adults. Safety upgrades can prevent accidents and support aging in place.
Eligibility Tip:
Some plans require an in-home needs assessment.
7. Acupuncture and Alternative Therapies
What it is:
Coverage for acupuncture for chronic pain or nausea is increasingly common.
Why it matters:
Non-pharmaceutical options like acupuncture can support pain management without the risks of long-term medication use.
Pro Tip:
Check if the provider must be in-network and Medicare-certified.
8. Remote Health Access and Monitoring
What it is:
Telehealth visits and remote monitoring (like blood pressure cuffs or glucose monitors) are widely included.
Why it matters:
Telehealth reduces barriers to care and enables proactive health management, especially for those with mobility issues or transportation limits.
Emerging Trends:
Expect more plans to expand this benefit with wearables and mobile app support.
Common Questions About Medicare Advantage Benefits
Q: How do I know which benefits my MA plan includes?
A: Review your plan’s “Evidence of Coverage” document or call your plan’s member services team.
Q: Are all these benefits standard?
A: No. Availability varies widely by plan, location, and provider. Some benefits are only available under specific medical conditions.
Q: Will these benefits be affected in the future?
A: Yes. For instance, CMS is tightening rules on SSBCI starting in 2026, meaning some services may be phased out if they’re not shown to improve health outcomes.
Q: What if I haven’t used a benefit yet?
A: Starting in 2026, plans must send mid-year notices listing unused supplemental benefits to encourage utilization.
How to Make the Most of Your Medicare Advantage Plan
Taking full advantage of your plan starts with awareness and proactive planning. Here’s how to get started:
Review Your Plan Benefits
- Use the Summary of Benefits or Evidence of Coverage
- Look for lesser-known benefits like OTC allowances or caregiver support
Mark Your Calendar
- Annual Enrollment Period: Oct 15 – Dec 7
- Use this window to compare plans or switch if your needs have changed
Talk to a Licensed Insurance Advisor
- Especially helpful if you’re managing multiple chronic conditions
- Licensed Medicare Advisors can identify plans with strong supplemental benefit offerings
Make a Checklist
- Create a personal health and lifestyle checklist (transportation needs, dietary needs, home safety, etc.)
- Match your list to plan offerings
Conclusion: Take Control of Your Health Coverage
Medicare Advantage plans offer more than just doctor visits and hospital coverage. Hidden within many plans are benefits that can make daily life safer, healthier, and more manageable. Whether it’s a ride to the doctor, meals after a hospital stay, or support for your caregiver, these extras can make a significant impact.
Next Steps:
- Review your plan’s benefits today
- Prepare for the upcoming enrollment period
- Talk to a Medicare advisor to make informed choices
Understanding and using these benefits isn’t just smart—it’s part of getting the care you deserve.
Shop for a Medicare plan with additional benefits!
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