Ohio Medicare Guide

Boardman D-SNP Medicare Coverage for Those Working Past 65

If you are balancing a job while qualifying for both Medicare and Medicaid in Mahoning County, let’s explore how 2026 Dual-Eligible plans can help coordinate your benefits.

Important: We do not offer every plan available in your area. Currently we represent UnitedHealthcare, CareSource, Devoted Health, and Anthem. Any information we provide is limited to those plans we offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
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Transitioning through the Medicare process while still active in the Boardman workforce can feel like a tall order. For neighbors in Mahoning County who qualify for both Medicare and Medicaid, Dual-Eligible Special Needs Plans (D-SNPs) are designed to bridge the gap between these two programs. At Medicare Options with Kim, we focus on helping you understand how these plans work alongside your current lifestyle, ensuring you don't have to navigate these complex federal and state systems alone.

Understanding D-SNP in Mahoning County

Dual-Eligible Special Needs Plans are a type of Medicare Advantage plan specifically for residents who have ‘dual status.’ These plans are built to simplify your healthcare experience by coordinating your doctor visits, hospital stays, and prescription drug coverage under one single plan. In Boardman, this means your benefits work in harmony with the local providers you already know.

Because these plans are tailored to those with limited income or specific health needs, they often include additional services that traditional Medicare does not cover. For those still working, having a plan that manages the communication between Medicare and Ohio Medicaid can save significant time and reduce administrative headaches.

Local Healthcare Access for Boardman Workers

Maintaining your health while staying active in the community is a top priority. Many D-SNP options in the Boardman area provide access to established networks including Mercy Health - St. Elizabeth Boardman Hospital and various outpatient clinics along the Market Street corridor.

Choosing a plan that includes your preferred local doctors is essential. We can look at the networks of authorized carriers such as UnitedHealthcare, CareSource, Devoted Health, and Anthem to see which one aligns with the specialists and pharmacies you currently use near your workplace.

Managing Medicare While You Are Still Employed

Continuing to work past age 65 is a reality for many in Boardman, and it introduces unique questions regarding employer-sponsored insurance versus Medicare. If you qualify for a D-SNP, it is important to evaluate how your Medicaid eligibility interacts with any small-business or large-group health plans you might have access to through your job.

Kim Golphin specializes in helping working seniors determine the most efficient way to utilize their benefits. We look at the total picture to ensure that your dual-eligible status is being utilized to its full potential, providing you with more predictable healthcare costs even as you continue to earn an income.

Personalized Guidance with Kim Golphin

At Medicare Options with Kim, we believe in a plain-English approach. You won't find any pushy sales tactics here; instead, we offer a warm environment where you can ask questions and get honest answers about the 2026 plan landscape in Mahoning County.

Our goal is to help you feel confident in your coverage so you can focus on your work and your family. We are proud to represent a focused selection of carriers including UnitedHealthcare, CareSource, Devoted Health, and Anthem to provide you with reliable local options.

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Frequently asked questions

What exactly is a D-SNP and who can join in Boardman?
A D-SNP is a Medicare Special Needs Plan for individuals who have both Medicare and Medicaid. If you live in Mahoning County and meet the income and asset requirements for Ohio Medicaid, you may be eligible to enroll.
Can I keep my job and still have a Dual-Eligible plan?
Yes, you can continue working past age 65 while on a D-SNP, provided your income and assets stay within the limits set by the state of Ohio for Medicaid eligibility. We can review how your earnings might impact your status.
Which insurance companies do you work with for D-SNPs?
I work with four authorized carriers for these plans: UnitedHealthcare, CareSource, Devoted Health, and Anthem. This allows us to find a network that includes Boardman-area hospitals and providers.
How does a D-SNP help with my prescription costs?
D-SNPs include Medicare Part D prescription drug coverage. Because these plans are for dual-eligibles, most members qualify for 'Extra Help,' which significantly lowers the cost of covered medications at local pharmacies.
Do I have to change my doctor if I join a D-SNP?
Not necessarily. We will check the provider directories for UnitedHealthcare, CareSource, Devoted Health, and Anthem to see which plan your current Boardman doctors and specialists participate in.
Is there a specific time I must enroll in a D-SNP?
Because D-SNPs are a type of Special Needs Plan, you may qualify for a Special Enrollment Period (SEP). This often allows you to make plan changes more frequently than the standard annual enrollment period.

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