Dual Eligible Special Needs Plans (D-SNPs) In California

If you have both Medicare and Medi-Cal you can enroll in an Anthem Dual Special Needs Plan, or D-SNP. It's a Medicare Advantage (Part C) plan that supports your whole health, all in one simple plan at little to no cost to you.

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Choose 2023 if shopping for coverage beginning January 1, 2023.

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Am I Eligible For A D-SNP?

Medicare Advantage Dual Special Needs Plans are for people in California who are eligible for both Medicare and Medi-Cal. These plans offer coordinated care and additional coverage not available with Original Medicare. A D-SNP from Anthem can make life easier and help you stretch your budget.

Count On Valuable Benefits With An Anthem D-SNP


Depending on your D-SNP eligibility, you can get benefits like these that make life easier and support your health and budget. Plus, Anthem offers both full and partial D-SNPs based on your Medi-Cal status.*

Benefits Prepaid Card

Over-the-counter health items, groceries, and utilities

$0   Premiums

Most plans have $0 monthly premiums which is good news for your pocketbook

$0  Copays

$0 prescription drug copays means your money goes further

Dental & Vision Benefits

Routine exams, cleanings, and a yearly eyewear allowance

Hearing Benefits

Routine hearing exams and hearing aids


Rides included to plan-covered services

Gym Membership

Stay in shape with free access to SilverSneakers® gym membership

Assistive Devices

This allowance supports your mobility and makes life a little easier

In-Home Support

Get companionship and support to enhance your quality of life

*Partial D-SNP plans not available in all states. 

Flex Card: Great Benefits On One Card

With a D-SNP, you can get an Anthem Benefits Prepaid Card with a monthly or quarterly allowance that you can use to pay for everyday items and expenses, such as:


Over-the-counter (OTC) health items




Assistive devices




Transportation costs


Dental, vision, or hearing out-of-pocket costs


Your card is preloaded, so it's ready to use just like a prepaid credit or debit card. Availability, benefits, and amounts may vary based on your state.

Smart Tip: Check to see if your doctors are in our network, and your prescriptions are covered with our easy-to-use tool.

How Do I Enroll In An Anthem D-SNP?

You Don't Have To Wait


Once you've signed up for Original Medicare, you can enroll in a Dual Special Needs Plan anytime if you have Medi-Cal or become eligible for Medi-Cal.


If you already have a D-SNP, you can switch your plan once per quarter from January 1 through September 30, and during the Medicare Annual Enrollment Period from October 15 through December 7 each year.


Shop Dual Special Needs Plans  

Smart Tip: If you're not eligible for a D-SNP, Anthem offers other Special Needs Plans (SNPs) and Medicare Advantage plans that might be right for you.

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Frequently Asked Questions About D-SNPs

Dual eligible means that you qualify both for Original Medicare as well as Medi-Cal. The state of California determines who qualifies for Medi-Cal and what types of benefits you can receive. 

Original Medicare is coverage managed by the federal government for people 65 or older, younger people with certain disabilities, and people with End-Stage Renal disease. Medi-Cal is a state program that provides medical and/or supplementary benefits based on your income level. 

Most D-SNPs come with $0 premiums, copays, and deductibles. The amount you pay for a premium or out-of-pocket costs depends on whether you are fully or partially eligible. If you receive full Medi-Cal benefits, nearly all of your out-of-pocket costs should be covered.

Full dual eligible means you receive full Medi-Cal benefits. Your Medicare Part A and B premiums and nearly all of your out-of-pocket costs may be paid based on your state's program. 


Partial dual eligible means you qualify for Medi-Cal but based on your income, you don't receive full medical benefits. You may have to pay some out-of-pocket costs for premiums and medical care.

No, not at all. A D-SNP lets you keep all your Medi-Cal benefits and coordinates them with your Medicare coverage. That way you can access all your benefits more easily. With an Anthem D-SNP, you'll get valuable benefits and the support you need.

Read Our Medicare Articles


Compare the differences between Medicare and Medicaid plans. You can also take a deeper dive and learn about Medicare Advantage enrollment, benefits, and more.

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Sign up and find out how Anthem Medicare plans help cover costs that OriginalMedicare doesn’t. You can attend a virtual webinar, or a live seminar where a Medicare licensed agent will be present to answer your questions.

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  Original Medicare: Part A (Hospital Insurance) and Part B (Medical Insurance).


Anthem Blue Cross is an HMO & LPPO plan with a Medicare contract. For Dual-Eligible Special Needs Plans: Anthem Blue Cross is an HMO SNP plan with a Medicare contract and a contract with the California Medicaid program. Anthem Blue Cross Life and Health Insurance Company is an LPPO plan with a Medicare contract. Enrollment in Anthem Blue Cross depends on contract renewal.