What is a defining feature of a DSNP regarding monthly premiums?

A defining feature of a Dual Special Needs Plan (DSNP) concerning monthly premiums is that the premium is at or below the Low Income Subsidy (LIS) benchmark. This is significant because DSNPs are specifically designed to serve individuals who are dual eligible for both Medicare and Medicaid. These individuals typically have lower incomes, and the LIS aims to reduce the financial burden of premiums and cost-sharing under Medicare for those who qualify.

By keeping premiums at or below the LIS benchmark, DSNPs ensure that their beneficiaries have access to affordable health coverage that aligns with their financial capabilities. This is particularly important for dual eligible individuals who may otherwise struggle with the costs associated with healthcare services. The focus on affordability is a key aspect of DSNPs, helping to ensure that more vulnerable populations receive the necessary medical care without excessive financial strain.