If you have limited income and resources, you may apply for Medicare Savings Program.
Medicare Savings Programs are part of the state medical assistance programs that help pay for Medicare premiums, and in some cases, may also pay for Medicare deductibles and coinsurance.
You can apply for the Medicare Savings program if you have Medicare Part A (the Medicare Savings Program may pay the Medicare Part A premium for you), and if you meet the resources and monthly income limits.
To learn more about Medicare Savings Program and to find out if you qualify, call your State Medical Assistance Office. You may call 1-800-MEDICARE (or 1-800-633-4227) to get local number.
Medicaid
Medicaid is a state-administered program that provides medical care to certain individuals and families with low incomes and resources.
You should look into applying for Medicaid if you can not afford senior health insurance, are 65 years old and older, disabled or eligible for other government aid.
Individuals must meet various restrictions.
Medicaid will help certain Medicare beneficiaries with their out-of- pocket expenses.
Medicaid covers in- and outpatient hospital services, doctor visits, and long-term care services such as nursing home care or community-based care, among others.
Medicaid nursing-home benefits outlast those offered by Medicare (which always end after 100 days in each benefit period).
Additional services (e.g. coverage of prescription drugs, hearing aids, eyeglasses) are optional and are elected by states.
Check with your respective state Medicaid office to learn about eligibility and benefits. Or you can visit
www.cms.hhs.gov/medicaid/
