Do Special Needs Plans include prescription drug coverage?

Every Special Needs Plan (SNP) must include Part D drug coverage. An SNP is a type of Medicare Advantage plan made for a certain group, such as people with both Medicare and Medicaid. This is different from other Medicare Advantage plans, where drug coverage is common but not required. Since drugs are built in, you would not add a separate drug plan to an SNP. The plan's drug list is often shaped around the group it serves. In 2027, Part D has a yearly cap of $2,400 on what you pay for covered drugs, up from $2,100 in 2026. That cap applies to SNP members too. Always check the plan's drug list before you join.