Unveiling the Secret Behind Dual Medicaid and Medicare Coverage – You Need to See This!

Medicaid and Medicare, what you need to know. If you have Medicaid and Medicare, then pay attention. Get your pens out because this video is for you. My name is Melissa McCalla, owner and agent of Senior Healthcare Solutions. Our family and team have been assisting Medicare beneficiaries since 2014, and our passion is helping those with their Medicare. In this video with Medicare with Melissa, I'll explain how you can maximize your Medicare and Medicaid benefits and have them work together for you by choosing a dual-eligible special needs plan. Let's start with the basics. Medicaid is an assistance program. It serves low-income people of every age. Medicaid is a federal and state-ran program, meaning eligibility requirements can vary from state to state. Medicaid will assist eligible individuals with the cost of healthcare expenses. Medicare, on the other hand, is a federal health insurance program for individuals 65 and older, or individuals under 65 that have certain disabilities, such as end-stage renal disease requiring an organ transplant, or those diagnosed with ALS. Just because you qualify for one does not mean that you will qualify for the other. Can you be eligible for both Medicare and Medicaid at the same time? The answer to that is yes, you can be eligible for both programs. Eligibility for Medicare depends on your age, whereas your eligibility for Medicaid depends on your income, which once again varies from state to state. When you are eligible for Medicaid and Medicare, you are then classified as dual eligible. To help determine your Medicaid eligibility, you can give us a call today, or we have provided a link below in the video that you can click on, and then find your state to get more resources. And of course, our team is here to help you from start to finish for both applying for Medicare and Medicaid. All states offer a variety of Medicaid programs with eligibility and coverage specifics varying by state. If you qualify for a Medicaid program, it may help pay for costs and services that Medicare does not cover. Medicaid can work with Medicare by covering services like secondary insurance, premium assistance, cost-sharing assistance, prescription drug assistance, and offer care coordination. As a general rule, Medicare will pay for health services first with Medicaid picking up the rest that Medicare will not pay for. There are different levels of Medicaid that you can qualify for. Depending on your eligibility level with Medicaid will determine the services that are provided to you, such as your Part A premium and co-insurance, your Part B premium and co-insurance, and much more. Enrolling in a Medicare Advantage plan if you also have Medicaid. It's estimated that roughly 70% of Medicare dual eligible enrollees are not enrolled in the right plan. If you are dual eligible and enrolled in both Medicare and Medicaid, then that's important to you because there are Medicare Advantage plans specifically with you in mind. Dual eligible plans can offer the most comprehensive benefits because they're designed for the people with the most needs. The easiest way to find out if there is a dual eligible Medicare Advantage plan in your area is to give us a call or schedule an appointment today, 866-633-4427. So now's the time where you wanna break out your pen and paper for our key takeaways regarding Medicare and Medicaid. Medicaid is not the same as Medicare. You may be eligible and enrolled in both Medicare and Medicaid. Medicare typically pays first and then Medicaid pays the remainder. Medicaid eligibility varies from state to state. Medicare is determined by age or certain disabilities for those under the age of 65. There are special Medicare Advantage plans designed for people on Medicare and Medicaid, the dual special needs plans. To determine your eligibility or help shopping with dual special needs plans, contact us today. Don't forget, there are links below to search state-specific Medicaid requirements. As always, if you liked what you saw today, give us a two thumbs up and share us with your friends and family as we love being able to help others with both their Medicare and Medicaid. Also, feel free to drop any questions or comments in the boxes below and I'll be sure to reply. Thanks again for watching this video, Medicare with Melissa, and I look forward to seeing you again in the next one.