Dual Eligible Special Needs Plan (D-SNP) in Virginia

Coordinated Medicare and Medicaid coverage in one plan.

If you qualify for both Medicare and Medicaid, a D-SNP plan may help coordinate your benefits. Review eligibility and plan options with a licensed Medicare broker in Virginia.

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Understand D-SNP Plans with Clarity

A Dual Eligible Special Needs Plan (D-SNP) is a type of Medicare Advantage plan designed for individuals who qualify for both Medicare and Medicaid. These plans are required to coordinate benefits between the two programs.


Because Medicare and Medicaid operate under different rules, managing both can feel confusing. A D-SNP plan brings those benefits into one coordinated structure to simplify how services are accessed and how claims are processed.


If you are reviewing D-SNP plans in Virginia, Croft Insurance Services, Inc. helps you understand eligibility requirements, benefit coordination, and enrollment timing before making a decision.


We serve clients throughout Bedford, Lynchburg, Roanoke, Smith Mountain Lake, Martinsville, and surrounding Virginia communities.

When you are eligible for both programs, Medicare typically pays first and Medicaid may help cover certain remaining costs, depending on your eligibility category.


A D-SNP plan is designed to coordinate those benefits within one Medicare Advantage structure. Before enrolling, it’s important to confirm:


  • Your dual eligibility status
  • Your level of Medicaid benefits
  • How your current providers participate in the plan
  • What additional benefits may be included

Our licensed Medicare agents in Bedford review your eligibility carefully and explain how coordinated Medicare and Medicaid coverage works in practical terms.

Understand How Medicare and Medicaid Work Together

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Who Qualifies for a D-SNP in Virginia?

To enroll in a D-SNP plan, you must be enrolled in Medicare Part A and Part B and qualify for Medicaid benefits in Virginia.


Eligibility categories vary depending on income level and Medicaid status. Because qualification affects plan availability and coverage structure, confirming eligibility before enrollment is essential.


If you are unsure whether you qualify, our Bedford office can review your status and discuss your next steps.

Enrollment Periods for D-SNP Plans

Enrollment in a D-SNP plan may occur during your Initial Enrollment Period, the Annual Enrollment Period from October 15 through December 7, or during certain Special Enrollment Periods that may apply to dual eligible individuals.


Because eligibility status can affect enrollment timing, reviewing your situation with a licensed agent helps prevent delays or coverage gaps.

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Local Office in Bedford:

We are based in Bedford and serve clients throughout Central and Southwest Virginia. When you call, you reach a local office — not a national call center.

Serving Virginia Seniors Since 2004:

For more than 20 years, we have helped individuals navigate Medicare decisions with steady, consistent guidance.

Independent Medicare Broker:

We compare available D-SNP plans in Virginia and confirm eligibility requirements before enrollment so you understand your options clearly.

Year-Round Support:

Our support continues after enrollment. We assist with benefit questions, plan reviews, and coverage coordination throughout the year.

Why Work With Croft Insurance Services, Inc.?

Schedule a Consultation with Our Team

Meet our Team

If you qualify for both Medicare and Medicaid, reviewing your D-SNP options with a licensed agent can help ensure your benefits are coordinated correctly.

  • Melody Key

    A smiling person wearing a dark pinstriped blazer, white top, and silver necklace against a black curtain background.

    President & Broker


    Specializes in Medicare and health insurance guidance with year-round client support.

    Schedule with Melody

  • Les Plymale

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    Vice President, Broker & Registered Social Security Analyst


    Provides Medicare enrollment coordination and structured benefit guidance.

    Schedule with Les

  • Ann Ogden

    A person with dark hair wearing a blue and orange floral top sits in a wicker chair outdoors in the sunlight.

    Insurance Broker


    Assists clients with Medicare plan comparisons and enrollment support.

    Schedule with Ann

Frequently Asked Questions About D-SNP Plans

  • What is a D-SNP plan?

    A D-SNP plan is a Medicare Advantage plan designed for individuals who qualify for both Medicare and Medicaid and coordinates benefits between the two programs.

  • Can I have Medicare and Medicaid together in one plan?

    Yes. A Dual Eligible Special Needs Plan combines Medicare Advantage coverage with coordination of Medicaid benefits.

  • Do I automatically qualify for a D-SNP?

    You must be enrolled in Medicare and qualify for Medicaid benefits in Virginia.

  • Can I change my D-SNP plan?

    You may change plans during certain enrollment periods, including the Annual Enrollment Period or applicable Special Enrollment Periods.

  • Will I lose Medicaid benefits if I enroll in a D-SNP?

    No. D-SNP plans are designed to coordinate with Medicaid benefits, not replace them. We review your eligibility and plan structure before enrollment.

Explore Your Options Today

Ready to Review Your D-SNP Options?

We review D-SNP plans in Virginia based on your Medicare and Medicaid eligibility so you can enroll with clarity.


Call our Bedford office or schedule a consultation with a licensed Medicare agent to get started.