What is Medicaid and How to Enroll?

Medicaid is a state-run health insurance program that pays for a broad range of medical services for people who qualify based on income and/or asset requirements. Each state runs its own Medicaid program, so eligibility and additional program benefits may vary by state.

Typical services include doctor visits, inpatient/outpatient hospital services, lab tests, x-rays, medical transportation, family planning services, nursing facility services, home health and nurse practitioner services. Medicaid also administers the federally funded Medicare Savings Programs

Qualifying for both Medicare and Medicaid

People who have Medicare can also receive Medicaid if they meet the state eligibility criteria. This type of qualification is also called “dual eligibles” or “duals” within the program descriptions Medicaid can cover Medicare co-payments and deductibles and services not covered by Medicare that may be available in the state Medicaid program – such as vision, hearing and dental care.

Medicaid is no longer the primary payer of prescription drugs for people who are enrolled in Medicare. People who have both Medicaid and Medicare receive help paying for prescriptions through Medicare Part D. In certain states, Medicaid may cover certain drugs that Medicare does not. People who are enrolled in both Medicaid and Medicare will automatically qualify for the Medicare Part D Low Income Subsidy (LIS/Extra Help).

There are three ways to apply for Medicaid

  1. Online applications available through the Health Insurance Marketplace.

  2. Through a state Medicaid agency, a directory of local offices can be found on the Medicare.gov site.

  3. Contact a local benefits enrollment center for assistance completing an application.

A Guide to Medicare and Medicaid
Medicare and Medicaid are two separate health insurance programs that were created in 1965 and designed to provide coverage for vulnerable populations.
How Benefit Programs Help Budgets
Thousands of public and private programs are available to seniors with a qualifying income. These programs pay for health care, prescriptions and food.
5 Ways to Earn Extra Income
Many seniors have less income than anticipated in retirement. Here are 5 money management tips to boost income and savings.

Age Well Planner is an educational website created by nonprofit the National Council on Aging (NCOA). We provide information, resources, and referrals on topics such as: Benefits, Income, and Medicare.

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