Medicare vs. Medicaid

Medicare and Medicaid are two different health insurance programs run by the federal government. They serve different groups of people and cover various medical services at different amounts. 

Medicare Eligibility

  • Medicare is a federal program providing health insurance if you’re 65+ or under 65 with a disability, irrespective of your income. 
  • You could use this if you or your spouse contributed to Medicare during your employment for a minimum of ten years. 
  • You’re a citizen or a permanent resident of the United States. 
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Medicaid Eligibility

  • Medicaid is a joint federal and state program providing health insurance if you have limited income and resources.
  • All states must resort to the latest income methodology known as modified adjusted gross income (MAGI) for applicants.  

Medicaid Enrollment

If you qualify for both Medicare and Medicaid, there are Special Needs Plans in which you may be eligible depending on your level of Medicaid. These are called Dual-Eligible Special Needs Plans (D-SNP). They combine your hospital, doctor, and prescription drug coverage in one plan, and they provide additional benefits at no extra cost.  

Senior Health Insurance Advocates Can Help

We’re here to give you expert guidance, so reach out to an agent at Senior Health Insurance Advocates. We’ll educate you on Medicare and Medicaid, check to see if you qualify, and help you decide which program/plan makes the most sense for you. Call us at (561) 462-5911 !