Medicare + Medicaid · Texas
What is a D-SNP?
A Dual-Eligible Special Needs Plan (D-SNP) is a type of Medicare Advantage plan for people who have both Medicare and Medicaid. Because Medicaid covers much of what Medicare doesn’t, these plans typically cost $0 in premium, add extras like dental, vision, transportation, and an over-the-counter allowance, and let you enroll year-round rather than only in fall. Benefits and networks vary by plan and county — we check your eligibility and compare options for free.
Updated 2026-07-03 · Source: CMS, 2026
Important: We do not offer every plan available in your area. Currently we represent several organizations offering Medicare Advantage, Medicare Supplement (Medigap), and Part D plans in your state. Please contact Medicare.gov, call 1-800-MEDICARE, or contact your local State Health Insurance Assistance Program (SHIP) to get information on all of your options.
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You qualify if you have Medicare and Medicaid — including full Medicaid or a Medicare Savings Program (QMB, SLMB+, QI) that helps pay your Medicare costs. Many people qualify and don’t know it. In Texas, Medicaid is run by HHSC. If you’re not sure of your status, we’ll help you find out — free and without obligation.
Unlike standard Medicare Advantage, dual-eligible members generally get a Special Enrollment Period to join or change a D-SNP outside the Oct 15 – Dec 7 Annual Enrollment Period — often once per quarter for the first three quarters of the year. That means you don’t have to wait to get better coverage.
We’ll check your Medicare + Medicaid status and compare the D-SNPs in your Texas county against your doctors and medications.
People who have BOTH Medicare and Medicaid — including full Medicaid and the Medicare Savings Programs (QMB, SLMB, QI). If your income and assets are limited, you may qualify even if you didn’t realize it. We can check your status for free.
Generally yes. Because D-SNPs serve dual-eligible members, you usually get a Special Enrollment Period that lets you enroll or switch outside the normal Annual Enrollment Period — often once per quarter in the first three quarters of the year. We’ll confirm the window that applies to you during our free call.
D-SNPs are Medicare Advantage plans built for dual-eligible members, so they typically have a $0 plan premium and very low or $0 cost-sharing, because Medicaid covers much of what Medicare doesn’t. You still keep your Part B premium (which Medicaid may pay for you if you qualify) and might have a small out of pocket copy for perscription drugs on your dual plan
D-SNPs are network plans that include Part D drug coverage. Networks and formularies vary by plan and county, so before you enroll we check that your doctors and medications are covered.
Other things we help with: Medicare Savings Program Assistance, Finding help lowering prescription drug cost.
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Before you go
No pressure and no plan names — just a plain-English guide plus the offer of a free, no-obligation review with Medicare Twins, licensed Texas agent serving Texas. Leave an email or phone and we’ll send it over.
