Medicaid

Greetings!

Medicare and Medicaid can work together to lower your health care costs —

especially if you have limited income or resources. When you qualify for both

programs, you’re considered “dual eligible,” and you may receive valuable extra

financial help.

Medicare vs. Medicaid: What’s the difference?

Medicare is federal health insurance for people 65+ and some individuals with

disabilities.

Medicaid is a state and federal program that helps people with low income

pay for health care.

Who Qualifies as Dual Eligible? You Must:

Have Medicare (age 65+ or a qualifying disability), and

Meet your state’s Medicaid income and resource guidelines.

Types of Dual-Eligibility Assistance:

Depending on your financial situation, you may receive help through one of several

Medicaid categories, such as:

Qualified Medicare Beneficiary: Pays Medicare premiums and cost-sharing.

Specified Low-Income Medicare Beneficiary: Pays your Part B premium.

Qualifying Individual: Pays Part B premiums for those with slightly higher

incomes (limited funding).

Qualified Disable Working Individual: Helps certain working individuals

under 65 pay Part A premiums.

How the Programs Work Together:

Medicare pays first for covered services. Medicaid may then cover remaining costs,

including premiums, deductibles, copays, and coinsurance. For those who qualify,

Medicaid can also pay for long-term care services that Medicare only covers for a

short time — such as full nursing home costs.

Why This Matters:

If you think you may qualify for extra help through dual eligibility, we’re here to guide

you. We take the time to listen to your needs, care about helping you find the right

support, and work hard to deliver clear next steps. Contact our team today so we

can help you explore your options and get the benefits you deserve!