If you have both Medicare and Medicaid in Clark County, you may qualify for a Dual-Eligible Special Needs Plan. Kim Golphin is here to help you understand your local choices.
Living in Springfield means having access to quality local healthcare, but understanding how Medicare and Medicaid work together can be complicated. For those who qualify for Extra Help or Low-Income Subsidies, there are specific plans designed to coordinate your benefits. Kim Golphin, a licensed agent, helps neighbors throughout Clark County find coverage that fits their unique situation without the typical insurance jargon.
A Dual-Eligible Special Needs Plan, or D-SNP, is a type of Medicare Advantage plan specifically for individuals who are enrolled in both Medicare and Medicaid. These plans are designed to bridge the gap between your two types of coverage, often providing additional support for coordination of care.
Because these plans are regulated by both the state of Ohio and the federal government, the eligibility requirements can vary. Kim can help you determine if your current Medicaid level allows for enrollment in a Springfield-area D-SNP for the upcoming 2026 plan year.
When choosing a plan, it is vital to ensure your preferred doctors and specialists are within the plan's network. Many residents in Springfield rely on the Mercy Health Springfield Regional Medical Center or various Kettering Health Springfield facilities for their primary and emergency care.
Our local approach focuses on checking the provider networks of our authorized carriers—UnitedHealthcare, CareSource, Devoted Health, and Anthem—to see how they align with these major Clark County health systems. This ensures you can seek care where you feel most comfortable.
The 'Extra Help' program is a federal initiative that assists with the costs of Medicare Part D prescription drug coverage. For many Springfield residents, being dual-eligible means you automatically qualify for some level of this subsidy, which can lower your out-of-pocket costs at the pharmacy counter.
Kim Golphin takes the time to explain how these subsidies interact with your D-SNP benefits. While we never promise specific savings, we walk through the math together so you can see how your monthly expenses might be managed under different plan structures from our authorized carriers.
Medicare isn't one-size-fits-all, especially when Medicaid is involved. Medicare Options with Kim is built on the idea that everyone deserves a clear, pressure-free conversation about their health insurance. We focus solely on Springfield and the surrounding Clark County area to provide relevant, local expertise.
Whether you are looking at UnitedHealthcare, CareSource, Devoted Health, or Anthem, Kim provides a side-by-side comparison of the available D-SNP options. We are here to answer your questions and help you complete your enrollment when you feel confident in your choice.
Free Ohio Medicare review. No pressure, no obligation, just clear answers.