Dual-Eligible Medicare Plans (DSNP) in Southwest Missouri

Extra Help for Those Who Qualify for Both Medicare and Medicaid

If you qualify for both Medicare and Medicaid, you may be eligible for a Dual-Eligible Special Needs Plan (DSNP) — a type of Medicare Advantage plan designed to give you extra benefits and added support at little or no cost.



At Medicare MO Plans / Akeman Insurance, we help residents across Mt. Vernon, Springfield, Aurora, and surrounding Missouri communities understand their eligibility and enroll in DSNP plans that meet their unique needs. As a local, licensed agency, we provide personal, face-to-face guidance to make the process simple and stress-free.

What Is a DSNP Plan?

A Dual-Eligible Special Needs Plan (DSNP) is a Medicare Advantage plan specifically for individuals who have both:

• Medicare (Parts A and B)
  
• Medicaid (MO HealthNet in Missouri)
  
  

These plans coordinate your benefits and may include:

• $0 premiums and copays
  
• Prescription drug coverage (Part D)
  
• Dental, vision, and hearing services
  
• Transportation to medical appointments
  
• Over-the-counter (OTC) allowances
  
• Personal care coordination and support services
  
  

Each plan is different depending on where you live, your Medicaid level, and the insurance carrier — that’s why working with a local broker is essential.

Who Qualifies for a Dual-Eligible Plan?

To qualify, you must be enrolled in both:

• Medicare Part A and Part B, and
  
• Some form of Medicaid assistance
  
  

This includes individuals who are:

• Low-income seniors (65+)
  
• Under 65 with a qualifying disability
  
• Receiving Supplemental Security Income (SSI)
  
• Living in a nursing home or receiving in-home care assistance
  
  

There are several levels of Medicaid eligibility (such as QMB, SLMB, and FBDE), and each may affect the benefits you're entitled to under a DSNP plan. We help you determine your eligibility and which plans you're approved to join.

Benefits of Enrolling in a DSNP Plan

These plans are designed to reduce your out-of-pocket costs while enhancing your coverage. Depending on your eligibility and location, DSNP benefits may include:

• $0 Copays for primary care and specialists
  
• Free Prescription Medications
  
• Comprehensive Dental Coverage
  
• Vision and Hearing Aids
  
• Meal Delivery Services
  
• Transportation to Appointments
  
• 24/7 Nurse Advice Line
  
• OTC Spending Card for Essentials
  
• Support from a Care Coordinator
  
  

Plans are structured to work with both Medicare and Medicaid, ensuring your care is well-managed and coordinated without duplication or confusion.

How Akeman Insurance Can Help

We help determine your Medicaid status and explain what you qualify for.

Not every plan is available in every ZIP code. We show you options that apply to your specific location.

We take time to explain what’s covered, how to use your benefits, and what to expect.

DSNP plans can be complex — especially when it comes to understanding Medicaid levels and how they align with Medicare. We simplify the process by walking you through every step.

We assist with the paperwork and ensure your application is submitted correctly and on time.

 If your Medicaid level changes, your care needs evolve, or you have questions — we're always just a call away.

Why Choose Akeman Insurance?

You can enroll in or change a Medicare Prescription Drug Plan during the following times:

We understand the challenges many of our clients face — and we’re here to make sure you get the coverage, support, and care you deserve.

Frequently Asked Questions

Let’s Check Your Eligibility and Explore DSNP Plans

If you have both Medicare and Medicaid, you could be missing out on valuable extra benefits. Call today for a free, confidential consultation with a local broker who puts your needs first.