Dual Special Needs Plans (D-SNPs) in Wisconsin
If you have both Medicare and Medicaid (or a Medicare Savings Program), you're “dual-eligible” — and D-SNPs are Medicare Advantage plans built specifically for you. Usually $0 premium, richer extras (dental / vision / OTC / transportation), and care coordination across both programs.
What makes a D-SNP different
A D-SNP is a Medicare Advantage plan that's allowed to enroll only dual-eligibles. Because it knows every member also has Medicaid, it can layer benefits on top of the usual MA package without worrying about overlap.
- $0 premium is common.Every 2026 WI D-SNP we're showing below has a $0 monthly premium. That isn't a gotcha — the plan is paid by Medicare and Medicaid on your behalf.
- Extras regular MA plans don't match. Quarterly OTC (over-the-counter) allowance cards, dental with more than just cleanings, vision with real frames, hearing aids, transportation to doctor appointments. The amounts vary plan-to-plan; typical OTC allowances are $100– $200 per quarter.
- One card, one phone number.D-SNPs coordinate Medicare + Medicaid benefits so providers bill one place. If you've been juggling separate cards, this alone is worth the switch.
- Care coordinator assigned. Most D-SNPs include a care manager who helps schedule specialists, follow up on referrals, and fix coverage gaps. Free to members.
Is a D-SNP right for you?
The short answer: almost always yes if you qualify, but there are two situations where you might pick a regular MA plan instead.
Pick a D-SNP if:
- You have BadgerCare Plus + Medicare (a full dual), or
- You qualify for QMB, SLMB, or QI (a partial dual), and
- You'd use the extras (OTC, dental, transport).
Stick with what you have if:
- Your doctor is notin the D-SNP's network. D-SNPs are HMO / PPO plans — out-of- network visits can cost you.
- You're on a Medigap / Original Medicare combo that's already meeting your needs. Switching to a D-SNP ends the Medigap; if you later leave the D-SNP, re-enrolling in Medigap can require medical underwriting.
Every 2026 D-SNP in Wisconsin
21 plans · CMS Landscape
Some D-SNPs are statewide; others only cover a handful of counties. Pick yours to narrow the list.
Network Health Medicare Advantage Plans
1 D-SNP
- Network Health Cares (PPO D-SNP)4.5$0/mo premium · OOP max $9,250/yr
Security Health Plan of Wisconsin, Inc.
1 D-SNP
- Ally Rx (HMO D-SNP)4.5$0/mo premium · OOP max $9,050/yr
Quartz Medicare Advantage (HMO)
2 D-SNPs
- UW Health Quartz Med Advantage Dual Eligible (HMO D-SNP)4.0$0/mo premium · OOP max $9,250/yr
- Gundersen Quartz Med Advantage Dual Eligible (HMO D-SNP)4.0$0/mo premium · OOP max $9,250/yr
UnitedHealthcare
5 D-SNPs
- UHC Dual Complete WI-D002 (HMO-POS D-SNP)4.0$0/mo premium · OOP max $9,250/yr
- UHC Dual Complete WI-V001 (HMO-POS D-SNP)4.0$0/mo premium · OOP max $4,900/yr
- UHC Dual Complete WI-D3 (HMO-POS D-SNP)4.0$0/mo premium · OOP max $9,250/yr
- UHC Dual Complete WI-D003 (HMO-POS D-SNP)4.0$0/mo premium · OOP max $9,250/yr
- UHC Dual Complete WI-D001 (PPO D-SNP)3.5$0/mo premium · OOP max $9,250/yr
Anthem Blue Cross and Blue Shield
2 D-SNPs
- Anthem Full Dual Advantage (HMO D-SNP)3.5$0/mo premium · OOP max $9,250/yr
- Anthem Full Dual Advantage 2 (HMO D-SNP)3.5$0/mo premium · OOP max $9,250/yr
Community Care
1 D-SNP
- Community Care's Partnership Program (HMO D-SNP)3.5$0/mo premium · OOP max $9,250/yr
Humana
1 D-SNP
- HumanaChoice SNP-DE H5216-420 (PPO D-SNP)3.5$0/mo premium · OOP max $9,250/yr
Wellcare
2 D-SNPs
- Wellcare Dual Access Sync (HMO-POS D-SNP)3.5$0/mo premium · OOP max $9,250/yr
- Wellcare Dual Reserve (HMO-POS D-SNP)3.5$0/mo premium · OOP max $5,100/yr
My Choice Wisconsin
4 D-SNPs
- My Choice Wisconsin Partnership Plan (HMO D-SNP)3.0$0/mo premium · OOP max $9,250/yr
- My Choice Wisconsin Medicare Dual Advantage Plan (HMO D-SNP)3.0$0/mo premium · OOP max $9,250/yr
- My Choice Wisconsin Partnership Plan (HMO D-SNP)3.0$0/mo premium · OOP max $9,250/yr
- My Choice Wisconsin Medicare Dual Advantage Plan (HMO D-SNP)3.0$0/mo premium · OOP max $9,250/yr
iCare
1 D-SNP
- iCare Family Care Partnership (HMO D-SNP)2.5$0/mo premium · OOP max $9,250/yr
Group Health Cooperative of Eau Claire
1 D-SNP
- Cooperative Advantage (HMO D-SNP)Star rating pending$0/mo premium · OOP max $9,250/yr
Questions to ask before you switch
Before picking a specific D-SNP, get clean answers to these five questions from the plan's member-services line or a licensed broker. Each carrier's 800 number is on their summary of benefits.
- 1Is my primary-care doctor in-network?Give them your doctor's full name, clinic, and NPI (from your current insurance card or NPI Registry). Ask the same for every specialist you see regularly.
- 2What's the OTC allowance, and how do I use it?Ask the dollar amount per quarter, whether it's a plastic card or a catalog, and whether it covers things like pet food, groceries, or utility credit (some D-SNPs include those under “healthy food” benefits).
- 3What's the prior-auth policy for my prescriptions?Read your drug list. Ask specifically: “Will I need prior authorization or step therapy for any of these?” Prior auth is the #1 reason people end up skipping medications on MA plans.
- 4How do I keep my Medicaid if I switch to this plan?For full duals, joining a D-SNP should not touch your Medicaid enrollment — but confirm. For MSP-only (partial) duals, ask how Medicaid copays interact with D-SNP copays.
- 5When can I leave if this doesn't work?Dual-eligibles have a monthly Special Enrollment Period — you can change D-SNPs any time. Make sure the broker confirms this and explains how to switch back to Original Medicare + your old plan if needed.
This is information, not an enrollment. Enrollment happens through Medicare (medicare.gov/plan-compare) or a licensed broker. Plan availability, premiums, and benefits change each year — re-verify before you enroll.