C-SNP Market Expansion Creates Sales Opportunity for Insurance Agents

Today’s most successful insurance agents look for and capitalize on all opportunities. One emerging opportunity — one that might be hiding in your own back yard — lies in selling to the Chronic Condition Special Needs Plan (C-SNP) market. This market is currently expanding both in geography and in the number of clients for which this type of plan may be suitable. But what is a C-SNP? Who are these plans suitable for? And perhaps most importantly, how can you increase your practice’s profitability by offering your clients C-SNP solutions?

What is a C-SNP?

A C-SNP is a type of Medicare Advantage (MA) Special Needs Plan designed for people who need extra support due to an eligible chronic or disabling condition. Like other MA plans, they provide benefits for Medicare Part A and B. MA plans, however are not required to offer Part D (PDP) coverage (although many do). C-SNPs, on the other hand, are required to offer PDP coverage.

Important fact: A considerable number of Medicare beneficiaries who are currently enrolled in traditional plans will qualify for a C-SNP.

Who is eligible for C-SNPs?

To be eligible for C-SNP plans, a client must have Medicare Part A and B. Plus, they must have at least one chronic condition. Specific C-SNP qualifications vary by carrier and plan. Some of the more common conditions that may qualify a client for C-SNPs, according to Medicare.gov include:

What is the C-SNP opportunity?

C-SNP sales are on the rise. Medicare.gov states that approximately two-thirds of Medicare enrollees have multiple chronic conditions.

According to a recent KFF article, enrollment in C-SNPs increased by more than 70% between 2024 and 2025, representing an increased eligible market.

One of the main reasons why C-SNP demand is rising, is due to increasing demand for specialized chronic condition care along with regulatory changes that make enrollment more accessible. Because of these reasons, insurance carriers who offer C-SNPs have been expanding their territory to capitalize on this trend. With all this expansion, C-SNPs might just be the opportunity you’ve been waiting for. This Telos Actuarial page has additional details regarding the recent C-SNP surge.

How can you successfully enter the C-SNP market?

One of the best ways to succeed in the C-SNP market is to partner with a company who has more than 40 years in the Medicare solutions space. Senior Market Sales^® (SMS) specializes in helping agents save time, make more money and differentiate themselves from the competition. More than your average field marketing organization (FMO), SMS offers an entire suite of sales tools and resources designed to help you enter the C-SNP market and maximize profitability.

SMS tools and resources include:

MID is a Medicare self-enrollment tool that now includes C-SNP enrollment enhancements. These enhancements allow common conditions associated with drugs to display with prescriptions in a tool tip. Plus, if it appears to be C-SNP-condition related, a banner will appear on the plan list page indicating the client may qualify for a C-SNP plan.

How MID streamlines your enrollment process:

• If clients self-enroll, you still get credit for the sale
• Enroll online, over the phone, via text or in person
• Shop, provide quotes and enroll clients, regardless of time or location, using any device
• Gain access to an extensive carrier list and manage your book of business
• Deliver personalized, accurate cost estimates for plans and drug costs
• Stay compliant by obtaining electronic or voice Scope of Appointment (SOA)
• Product lines include MA, PDP, Medicare Supplement (Med Supp) and dental

Lead Advantage Pro^®

SMS’ exclusive Medicare enrollment and quoting tool is constantly adding new features to help propel your business forward. It has enhanced filtering options that empower you to hone in on desired search results, saving time and resulting in a more user-positive experience. You can filter by MA, Medicare Advantage plus Part D (MA-PD), SNP, PDP, etc. You can conduct searches based on star rating, carrier, extra benefits for MA plans and more. Plus, you can filter your Med Supp plan searches by carrier and plan type. Check out these additional frequently asked questions regarding Lead Advantage Pro for specifics on its overall capabilities, including how it caters to agents in the C-SNP market.

Coming in September, 2025: Lead Advantage Pro will be rolling out a new feature that will add additional filter options to sort C-SNPs by plan type and condition. Also, you will have the ability to conduct a doctor verification process with the Lead Advantage Pro tool.

How Lead Advantage Pro streamlines your enrollment process:

• Multi-Carrier Medicare Quoting — quote SMS carriers only, or any carriers on the market
• Multiple SOA methods — completion based on how you’re meeting with clients, including over-the-phone, email, electronic SOA, voice-signature, etc.
• MA and PDP Prescription, Provider and Pharmacy Lookup — verifies if a plan or pharmacy is in the network
• Multiple enrollment methods — up to five distinct enrollment methods including email, text, face-to-face, PDF and voice signature options
• Multi-Client Rx Report — identifies clients who are impacted by formulary changes and allows you to find plans that have a particularly needed drug in its medicine cabinet
• Client Self-Service Tool — allows you to mass-email clients so that they can input their prescription, pharmacy, provider and demographic information
• MA and PDP filtering by carrier, plan, extra benefits and star rating
• Med Supp filtering by carrier and plan name

This lead acquisition platform is designed to fill your lead funnel with qualified prospects, including those who may qualify for C-SNP opportunities. Its revolutionary process allows only leads from prequalified sources, ensuring quality leads at competitive prices. Even live transfer leads are available through this revolutionary platform.

Licensed and experienced marketing consultant assistance

SMS has been working the Medicare markets for more than four decades, and all those years of experience is reflected in its marketing consultant team. These team members are licensed, experienced, ready and able to assist you in building your C-SNP and other practice focuses.

If you’re ready to explore a whole new opportunity, one that might just be waiting in your own back yard, then reach out to SMS. Beyond C-SNP opportunities, we help agents grow sales in the health and wealth markets with top-carrier contracts specializing in the following product lines:

With an SMS partnership, you’ll save time, make more money and put your business in a position of distinction. Are you interested in working with us? We’ll help you get contracted with top carriers that offer C-SNP products, along with other product lines that would help your business. Then, we’ll do everything possible to assist in ramping up your production.

Bonus Opportunity

Interested in markets related to C-SNPs? Check out this information regarding the Dual Eligible Special Needs Plan (D-SNP) market. What are D-SNPS? In a nutshell, they’re special needs MA plans. D-SNPs are typically health maintenance organization or preferred provider organization plans. There are five types of D-SNPs — All-Dual, Full-Benefit, Medicare Zero Cost Sharing, Dual Eligible Subset and Dual Eligible Subset Medicare Zero Cost Sharing.

Do reach out and speak with an SMS marketing consultant at 1.888.747.3810. We’re here to answer any questions and look forward to building a long-lasting partnership with you.

Medicare Insurance Direct, a website operated by Senior Market Sales LLC, is a licensed and certified representative of Medicare Advantage [HMO, PPO and PFFS] organizations [and stand-alone prescription drug plans]. Each of the organizations they represent has a Medicare contract. Enrollment in any plan depends on contract renewal.