What is the difference between Medicaid and Medicare?
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The United States of America, considered one of the most important countries in the world. They are a world reference to guide other countries towards global inclusion in terms of progress, human rights and justice.
To take care of Americans, the government created two different programs that help the most vulnerable citizens with their health needs. The names may be familiar to you: Medicaid and Medicare. Today we will talk a little about what they are and what their differences are.
The Medicaid and Medicare programs were created by the government to help people with health care costs. Its funds come from taxes and are spread throughout the entire United States.
Both programs were made primarily for United States citizens or permanent residents who contribute to the growth of the country. Although their names are very similar, their purposes are completely different.
What is the Medicaid program and how can I benefit from it?
Medicaid is an assistance program created to help low-income people. There are no age restrictions to join and your copays or deductibles are usually very low or even zero. The conditions to access Medicaid are different in each state and specific requirements must be met.
Since Medicaid is designed to help the poorest, there are both federal and state regulations to ensure that those who enroll in the program really need it. For this reason not all are accepted. If you want to know if you qualify for Medicaid, you can check your eligibility on the Medicaid Eligibility Screening site.
The Medicaid program has special consideration for children. Those families with incomes that do not allow them to qualify for the program because they are considered high but who need low-cost health care for their children can apply for the Children’s Health Insurance Program (CHIP).
So if I don’t qualify for Medicaid, can I get Medicare?
Medicare is a health insurance system paid for by the government. The beneficiaries are all American citizens over 65 years of age regardless of their income. This insurance also protects disabled people and those who need dialysis.
Unlike Medicaid, Medicare is a solely federal program that works the same way in every state. In it, patients must pay part of their care through copayments or deductibles.
Medicare has four parts, each covering different needs. Part A helps cover care for patients who are hospitalized. Part B covers outpatient needs, such as home care, annual and preventive visits, and medical supplies. Finally, Part D is a private service that is offered for an additional premium and provides coverage for certain medications.
Part C (also called Medicare Advantage) is a service provided by private companies. In exchange for a premium, it provides access to basic Medicare coverage in Parts A and B (and even Part D), plus some additional benefits for copays and deductibles that vary by plan.
I have heard of something called “double qualification”, or “dual eligibility”. That exist?
Depending on the requirements of each program, some people may qualify for both Medicaid and Medicare, and may be accepted into both programs. This is called “dual eligibility” or “dual qualification”. People enrolled in both programs have almost all of their health needs covered by the Medicare insurance program and by the Medicaid assistance program.