Medicaid

 

 

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What is Medicaid?

Medicaid is a state and federally funded medical assistance program for people with low incomes. Eligibility and services vary from state to state and may change from time to time so check with your local Medicaid office.

For more information on Medicaid:

 

To contact a Medicaid office:

 

Medicaid offers a specialized program called the Program of All-Inclusive Care for the Elderly (PACE) which works to allow seniors to continue living at home while receiving services to prevent or delay the person having to enter a long-term care facility. Providers are allowed to deliver all services participants need rather than be limited to those reimbursable under the Medicare and Medicaid fee-for-service systems. If your family member needs nursing home level care, this program may be of benefit.

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What is the Difference Between Medicaid and Medicare?

Medicaid Medicare
An assistance program for low income people. An insurance program for people over age 65 and some disabled people under age 65.
Is based on income. Some programs require that you be responsible for part of your medical bills before you can get a Medicaid card. This is known as "meeting" a deductible. Most people receive Medicare because they receive some type of Social Security Benefits.
A person who receives a Medicaid card pays no part of the medical costs other than a small co-payment to the doctor or pharmacist. You must pay a deductible for hospital visits. You must also pay an annual deductible for doctor visits and other medical services.
Medicaid will pay the Medicare premiums for most people. It also pays the Medicare deductibles and coinsurance for services which are covered by Medicare and Medicaid. You pay coinsurance(a portion of the total bill) for medical services. You also pay a monthly premium for coverage of medical expenses.
Most Medicaid programs pay for prescription drugs. Medicare offers some prescription drug assistance.
Is run by the state government, but has federal guidelines. Medicaid varies from State to State. Is run by the federal government and it is the same everywhere in the US.
The money for Medicaid costs comes from federal, state, and county funds. The money for Medicare comes from federal funds.

* Courtesy of the Wake County, NC Human Services website.

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Personalized Assistance

For questions and assistance understanding the many complexities of Medicaid, most states offer a Seniors Health Insurance Information Program (the name of the program may vary from state to state). They offer the help of trained volunteers to answer your questions and to offer counseling.

 

 

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