Final answer:
Joe, who receives Qualified Medicaid Beneficiary benefits (QMB+), would likely benefit the most from enrolling in a DSNP because these plans are designed for individuals like him who are fully eligible for both Medicare and Medicaid. The correct option is b.
Step-by-step explanation:
Which consumer might benefit the most by enrolling in a Dual Eligible Special Needs Plan (DSNP)? DSNP is a Medicare Advantage plan that is specifically designed for individuals who have both Medicare and Medicaid benefits. This type of plan may offer additional benefits and cost savings beyond what Medicare alone provides. Looking at the options:
Alice, who is a Specified Low-Income Medicare Beneficiary (SLMB), may benefit from a DSNP, but her SLMB status means she already receives some help with Medicare costs.
Joe, who receives Qualified Medicaid Beneficiary benefits (QMB+), would likely benefit the most from a DSNP as these plans are tailored for individuals who are fully eligible for both Medicare and Medicaid.
Alvin, who has a Medicare Supplement Insurance policy, is likely not eligible for a DSNP because these policies typically do not coordinate with Medicaid.
Elsa, who pays a Part D income-related monthly adjustment amount (IRMMA), may receive some cost benefit from a DSNP, but this depends on her specific financial circumstances and whether she is eligible for Medicaid.
Given the target demographic of DSNP plans, Joe appears to be the best candidate for maximizing the benefits of enrolling in a DSNP, as he receives full Medicaid and Medicare benefits. The correct option is b.