Dual Eligible Retention Study
Available: July 31, 2025
Available: July 31, 2025
The growth explosion in the D-SNP space is tempered only by frustration associated with members switching at high levels. After all, holding onto them is more challenging than maintaining members outside of the Dual-Eligible space. We also tackle the services and benefits correlated with consumers who face hardships associated with Social Determinants of Health (SDoH).
The Rise of C-SNP
Consider the “heartbeat” of the SNP market (see chart). Over the same three-year period, when D-SNP was growing by 20.2%, 23.9% and then just 8.1%, C-SNP was growing at 3.7%, 22.2%, and then a whopping 54.3%. C-SNP may well be the new growth darling for larger carriers who have set up operations to support seniors with specific chronic conditions. It sure looks as though some of the enrollment and distribution effort that once bolstered D-SNP has shifted to C-SNP.
Looking to 2025
One 2025 rule change that will reduce attrition is the move away from quarterly SEPs for Duals in non-HIDE/FIDE SNPs. Although switching outside of AEP is less common than switching in the AEP, it still nears 10%. Eliminating that SEP will help slow the foot traffic toward the backdoor in 2025. But HIDE/FIDE SNPs will feature a monthly SEP which, at least in theory, could open the front door even wider for carriers with that level of coordination and integration.
Still, don’t bank on HIDE/FIDE doing anything other than preserving loyalty over the long term.