Three types of D-SNPs in Florida
AHCA's D-SNP contract and federal rules (42 CFR 422.2) set three levels. CMS's 2027 Landscape file counts them for Florida:
| Type | What it does | 2027 |
|---|---|---|
| FIDE SNP | One company covers Medicare and Medicaid, including Medicaid long-term care; your Medicaid plan must be from the same company | 3 plans, 42 counties |
| HIDE SNP | Covers Medicare plus some Medicaid benefits (behavioral health, Medicare cost sharing, home health, medical equipment) | 60 plans, 67 counties |
| Coordination-only | Covers Medicare and coordinates with Medicaid; open only to people with QMB, SLMB, QI or QDWI | 64 plans, 66 counties |
The 127 D-SNPs come from 14 parent companies. That's fewer than in 2026 (155), and many plans that were HIDE in 2026 are coordination-only for 2027. By county, D-SNP counts range from 1 in Monroe County to 35 in Hillsborough, Orange, Osceola, Polk and Seminole counties.
Who can join
- Full Florida Medicaid: FIDE or HIDE plans whose eligibility rules include you. Your Medicaid itself usually comes through a Statewide Medicaid Managed Care (SMMC) plan; a FIDE SNP requires that plan to be from the same company.
- Medicare Savings Program only (QMB, SLMB, QI or QDWI): coordination-only D-SNPs that accept your group.
- Everyone: you need Medicare Part A and Part B and must live in the plan's service area.
If your Medicaid ends, a D-SNP that expects you to regain it within 6 months must keep you for at least 30 days and up to 6 months (42 CFR 422.52(d)). So keep your DCF renewal current.
When you can join or switch
Anyone with Medicare can change plans during Open Enrollment, October 15 to December 7, for January 1; that period is under way now. People with Medicaid or Extra Help can also switch to a standalone Part D plan once a month (42 CFR 423.38(c)(4)), and full-benefit dual eligibles can join an integrated D-SNP once a month to line it up with the company that provides their Medicaid (423.38(c)(35)). If your D-SNP is ending, see plans ending in 2027.
Medicare Advantage plans may offer extra benefits such as dental, vision, hearing or fitness. Extra benefits vary by plan and county, may have limits and costs, and not every plan offers them. Check a plan's Summary of Benefits or Evidence of Coverage.
More: D-SNPs in Florida. You can request a call from a licensed insurance agent to review D-SNPs from the companies they work with.
Related questions
What is a FIDE SNP in Florida?
The fully integrated option.
Can I have Medicare and Medicaid in Florida?
Full Medicaid vs. Medicare Savings Programs.
Do I have to join a Medicaid plan if I have Medicare?
How SMMC works with Medicare.
Sources
- AHCA — Medicare Advantage Dual Eligible Special Needs Plan contract, Attachment I-B
- CMS — Medicare Advantage Landscape files, contract years 2026 and 2027
- eCFR — 42 CFR 422.2, definitions (FIDE SNP, HIDE SNP)
- eCFR — 42 CFR 422.52, special needs plan eligibility
- eCFR — 42 CFR 423.38, enrollment periods
- Medicare.gov — Special Needs Plans (SNP)
More questions in this guide
- Do I have to join a Medicaid managed care plan if I have Medicare in Florida?
- Can I have Medicare and Medicaid at the same time in Florida?
- Can permanent residents get Florida Medicaid?
- How do I renew my Florida Medicaid on ACCESS Florida?
- What is a FIDE SNP in Florida?
- What is MEDS-AD Medicaid in Florida?
- What is the Florida Medicaid Long-Term Care program (SMMC LTC)?
Part of the guide: Florida Medicaid and Medicare together · All questions
Frequently asked questions
Can I join a D-SNP if I have only QMB or SLMB in Florida?
Yes, if a plan in your area accepts your group. Florida's coordination-only D-SNPs are only for people with partial Medicaid help (QMB, SLMB, QI or QDWI), and each plan's contract lists the groups it takes.
Can I join a coordination-only D-SNP with full Medicaid?
No. AHCA's contract limits coordination-only D-SNPs to partial-benefit dual eligibles. With full Medicaid, look at FIDE and HIDE plans in your county.
Can I leave a D-SNP?
Yes. With Medicaid or Extra Help you can switch to a standalone Part D plan once per month, which returns you to Original Medicare. You can also change plans during Open Enrollment, October 15 to December 7.
Medicare in your Florida county
Plans, local agents and help, county by county: Miami-Dade · Broward · Palm Beach · Hillsborough · Orange · Duval · Pinellas · Lee · Polk · Pasco · Brevard · Volusia · Seminole · Sarasota · Osceola · Manatee · Lake · Marion · Collier · St. Lucie · All 67 counties →
