Which feature differentiates a DSNP from regular Medicare Advantage plans?

The distinguishing feature of Dual Special Needs Plans (DSNPs) is that they are specifically designed for individuals who are eligible for both Medicare and Medicaid. This dual eligibility allows DSNPs to tailor their services and benefits to meet the unique needs of those who qualify for both programs. They often provide enhanced benefits that address the medical and social complexities faced by individuals who are dually eligible, ensuring that members receive comprehensive care that encompasses both their Medicare and Medicaid benefits.

Focusing on other options, while DSNPs can include beneficiaries over 65, they are not restricted solely to that age group; individuals under 65 can also be eligible. Furthermore, DSNPs typically cover prescription drugs, aligning with Medicare Part D coverage, rather than excluding it. Lastly, DSNPs do not necessarily have higher premiums compared to standard Medicare Advantage plans; in fact, they often have low or no premiums to accommodate the financial resources of low-income individuals. This highlights why the correct answer effectively conveys the essence of what differentiates DSNPs from regular Medicare Advantage plans.