Many people may know Medicaid as a publicly-funded health insurance program for people with limited income or financial resources. But many people may not realize that there are actually several different types of Medicaid programs.
Medicaid eligibility and coverage can vary by state. If you meet your state’s Medicaid eligibility requirements, you may qualify to receive assistance through one of the following types of Medicaid programs.
Medicaid is primarily designed to help individuals, families, children, the elderly, disabled persons and pregnant women who have limited financial resources or low incomes.
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Each state governs its own Medicaid program and is responsible for establishing its own set of benefits, costs and eligibility rules (while adhering to federal guidelines). That means the types of available Medicaid programs will differ from one state to the next.
But some of the types of Medicaid programs that you might find in certain states may include coverage for:
Certain individuals are eligible for both Medicare and Medicaid. This is known as “dual eligibility.” There are four different types of Medicare Savings Programs available to Medicare beneficiaries who meet certain eligibility requirements.
In some states, you may qualify for one of the following Medicare Savings Programs even if you don’t qualify for Medicaid in your state.
This QMB program helps pay for Medicare Part A and Part B premiums, deductibles, coinsurance and copayments.
This program helps pay for Medicare Part B premiums.
This program also helps pay for Medicare Part B premiums. You can’t get QI benefits if you qualify for Medicaid in your state.
This program helps pay Medicare Part A premiums for disabled persons who are working and meeting certain income limits.
Dual-eligible beneficiaries may also join a certain type of Medicare Advantage plan called a Dual-eligible Special Needs Plan (D-SNP).
Medicare Advantage plans are sold by private insurance companies and offer all of the same benefits as Medicare Part A and Part B. In addition, many Medicare Advantage plans may cover some services and benefits not covered by Part A or Part B such as dental, vision or hearing coverage.
Medicare Special Needs Plans are customized to the specific health care needs of individuals with particular medical conditions or living circumstances. A Dual-eligible Special Needs Plan has benefits tailored to the needs of someone with low income and resources.
All Medicare D-SNPs provide prescription drug coverage.
Contact your state Medicaid program to learn about the different types and benefits that may be available to you and for help determining your eligibility, costs and more.
If you’re interested in learning more about Medicare Special Needs Plans for people who are dual-eligible for Medicare and Medicaid, you can compare plans online to find out if any Medicare D-SNPs are available where you live.
You can also call to speak with a licensed insurance agent to learn more about Medicare Advantage plans and Medicare prescription drug coverage available in your area.
Speak with a licensed insurance agent
Christian Worstell is a senior Medicare and health insurance writer with MedicareAdvantage.com. He is also a licensed health insurance agent. Christian is well-known in the insurance industry for the thousands of educational articles he’s written, helping Americans better understand their health insurance and Medicare coverage.
Christian’s work as a Medicare expert has appeared in several top-tier and trade news outlets including Forbes, MarketWatch, WebMD and Yahoo! Finance.
Christian has written hundreds of articles for MedicareAvantage.com that teach Medicare beneficiaries the best practices for navigating Medicare. His articles are read by thousands of older Americans each month. By better understanding their health care coverage, readers may hopefully learn how to limit their out-of-pocket Medicare spending and access quality medical care.
Christian’s passion for his role stems from his desire to make a difference in the senior community. He strongly believes that the more beneficiaries know about their Medicare coverage, the better their overall health and wellness is as a result.
A current resident of Raleigh, Christian is a graduate of Shippensburg University with a bachelor’s degree in journalism.
If you’re a member of the media looking to connect with Christian, please don’t hesitate to email our public relations team at Mike@tzhealthmedia.com.