The United States offers Medicare and Medicaid health insurance programs for individuals who need governmental assistance with their healthcare.
You can apply for Medicare or Medicaid plans online, by phone, or in-person at your local Social Security office.
When you need help understanding which federal and state health coverages are best for you, contact the team at Your Local Medicare Help!
What is the Difference Between Medicare and Medicaid Coverage?
You’ll need to understand the difference between Medicare and Medicaid to find the right coverages for you:
#1. Eligibility
Medicare is a federal program for individuals who are 65 and older. To be eligible for Medicare under the age of 65, you will need to have a qualifying disability or end-stage renal disease.
Medicaid is a state program that follows federal government requirements. These requirements are generally based on your household income, family size, and/or disability. Find out if you’re eligible for Michigan’s Medicaid Program online.
#2. Coverage
Medicare plans depend on Original Medicare or Medicare Advantage. Medicare Part A (hospital insurance) and Part B (medical insurance) are known as Original Medicare. Medicare Advantage includes Part C (Part A, Part B, and usually, prescription drug coverage (Part D)). Learn about Medicare Advantage Plans in Michigan and how you can qualify.
Medicaid health plans require all states to cover certain medical services like inpatient and outpatient hospital services, lab and x-ray services, physician services, nursing facility services, and more. States can also offer coverage on prescription drugs, physical therapy, occupational therapy, dental, and more.
#3. Applying
There are many ways to enroll for Medicare depending on your preferences. Keep in mind that you have to enroll for Medicare on time in order to avoid penalties and get the coverages that you need. If you have any questions about applying for Medicare, contact the Your Local Medicare Help team by phone at 877-438-9564.
Unlike Medicare, you can apply and enroll for Medicaid at any time of the year. If you have any concerns about Medicaid coverage, visit medicaid.gov.
If you’re having trouble enrolling for Medicare, or have any other questions regarding Medicare, contact the Your Local Medicare Help team by phone today!