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Text Content

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 * Home
 * Basics
 * Medicare costs
 * Get help with costs
 * Medicaid

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MEDICAID

Medicaid is a joint federal and state program that helps cover medical costs for
some people with limited income and resources. Medicaid offers benefits not
normally covered by Medicare, like nursing home care and personal care services.
The rules around who’s eligible for Medicaid are different in each state.


QUALIFYING FOR MEDICAID

Generally, you must meet your state’s rules for your income and resources, and
other rules (like being a resident of the state).

You might be able to get Medicaid if you meet your state’s resource limit, but
your income is too high to qualify. Some states let you “spend down” the amount
of your income that’s above the state’s Medicaid limit. You do this by paying
non-covered medical expenses and cost sharing (like Medicare premiums and
deductibles) until your income is lowered to a level that qualifies you for
Medicaid. To get more details, call your State Medical Assistance (Medicaid)
office and ask about help for people with limited resources.

What's a premium, deductible, coinsurance, or copayment?


WHAT MEDICAID HELPS PAY FOR

If you have Medicare and qualify for full Medicaid coverage:

 * Your state will pay your Medicare Part B (Medical Insurance) monthly
   premiums.
 * Depending on the level of Medicaid you qualify for, your state might pay for:
   * Your share of Medicare costs, like deductibles , coinsurance , and
     copayments .
   * Part A (Hospital Insurance) premiums, if you have to pay a premium for that
     coverage.
 * You'll automatically get Extra Help  with your drug costs. Learn more about
   Extra Help.
 * Medicaid may pay for other drugs and services that Medicare doesn't cover. 


HOW TO APPLY FOR MEDICAID

Contact your State Medical Assistance (Medicaid) office.


PEOPLE WHO HAVE BOTH MEDICARE & MEDICAID

People who have both Medicare and full Medicaid coverage are “dually eligible.”
Medicare pays first when you’re a dual eligible and you get Medicare-covered
services. Medicaid pays last, after Medicare and any other health insurance you
have.

If you're dually eligible, Medicare covers your prescription drugs. You’ll
automatically be enrolled in a Medicare drug plan that will cover your drug
costs instead of Medicaid. Medicaid may still cover some drugs that Medicare
doesn’t cover.

You can still pick how you want to get your Medicare coverage: Original Medicare
or Medicare Advantage (Part C) . Check your Medicare coverage options.

If you choose to join a Medicare Advantage Plan, there are special plans for
dual eligibles that make it easier for you to get the services you need, include
Medicare drug coverage (Part D) , and may also cost less, like:

 * Special Needs Plans
 * Medicare-Medicaid Plans (only available in certain states)
 * Program of All-Inclusive Care for the Elderly (PACE) plans can help certain
   people get care outside of a nursing home

Get more details about these plan types.


WHAT DO YOU WANT DO NEXT?

 * Next Step: Find other ways to lower costs
 * Take Action: Talk to someone
 * Get Details: Learn about health plans that lower costs


SITE MENU

 * Health & drug plans
 * Medicare basics
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 * What Medicare covers
 * Drug coverage (Part D)
 * Site map


TAKE ACTION

 * Find health & drug plans
 * Find care providers
 * Find medical equipment & suppliers
 * Find a Medicare Supplement Insurance (Medigap) policy
 * Find publications
 * Get Medicare information in other languages
 * Talk to someone
 * Manage your email preferences


CMS & HHS WEBSITES

 * HealthCare.gov
 * InsureKidsNow.gov
 * Medicaid.gov
 * CMS.gov
 * HHS.gov
 * USA.gov


HELPFUL LINKS

 * FOIA
 * No Fear Act
 * Inspector General
 * Archive
 * Downloadable databases


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