The consumer states they currently pay a percentage of charges when they receive medical care. This means:

The statement that the consumer currently pays a percentage of charges for medical care indicates that they are likely on a type of insurance plan where cost-sharing is still a factor, such as a conventional private plan or a Medicaid plan without full dual eligibility. In the context of healthcare coverage, dual eligible individuals, specifically Full Dual-Eligible members, typically have their costs covered by both Medicare and Medicaid, which often reduces or eliminates out-of-pocket expenses, including cost-sharing for services.

Since the consumer is responsible for a percentage of medical charges, it suggests that they do not have the comprehensive coverage provided by a Full Dual-Eligible status that would often apply in a Dual Special Needs Plan (DSNP). Therefore, they may not benefit from the additional advantages that come with a DSNP enrollment, leading to the suggestion that they might be better suited for a different type of health insurance plan that aligns more closely with their current cost-sharing responsibilities. This type of plan could potentially provide better coverage or financial support aligned with their current needs.