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Jim | Who is eligible for Medicare and Medicaid? |
I am 63 years old, and I have a pretty good private insurance plan. However, other seniors keep asking me if I have Medicare. I know absolutely nothing about Medicare and Medicaid. Is eligibility based upon age, or income, or both? |
 |
 
Susan C
|
Most US citizens get Medicare Part A for free when they turn 65 (or if disabled). You then get the option to pay $88 a month for Part B (which you do). This will cover 80% of most medical procedures, hospital stays, and doctor visits. The other 20% gets paid by you, unless you get a supplemental insurance policy which I would highly recommend. If you have private insurance or an HMO through your retirement (check to see if they will drop you when you turn 65) Medicare becomes the primary and they become the secondary. If you don't have to pay for that coverage, keep it. If you do, or they will drop you at 65, or your insurance doesn't come with retirement, look into a supplemental policy about 6 months before you turn 65.
Medicaid is Welfare health care for the severely impoverished. You must have very limited assets to qualify. They will pay for your doctor bills, prescriptions, and long term care facility, but they want you to be completely broke, and if you own a house they will put a lein on it. Stay away from Medicaid if you can afford to.
Hope that helps. Contact an insurance company in your area that offer supplements about 6 months from your 65th b-day and get quotes. Go with one that the agent provides and processes your claims. Much easier for you in the later years when you may not be able to deal with the paperwork. State Farm, Bankers Life & Casualty, Mutual of Omaha those are some of the big ones. |
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chocolatelover
 |
65 for medicare. any age for medicaid as long as you have absolutely nothing. |
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Good♥Gyrl
|
You're eligible, GENERALLY, if you're at least 65 and have worked (paid into Medicare) for at least 10 years prior to age of 65/retirement. You would need to consult a Medicare analyst or your local office for specifics, as there are exceptions to every rule.
Go to: www.medicare.gov
As far as Medicaid is concerned, this is for low income people, not just seniors. You can apply if you're 65 or older (what they consider 'aged'), but you must also meet income limits. You can consult your local Department of Job and Family Services for more info. |
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insuranceguytx
 |
You won't be eligible for Medicare until age 65 unless you are disabled.
If you are (almost) flat broke, Medicaid will pay your medical bills but you may never own significant assets or savings again.
Visit www.medicare dot gov and consult an attorney about Medicaid eligibility. |
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Conrey
|
After reaching 65 you will be asked by the SS office if you want Medicare, you have an amount deducted from your SS check each month. If you do not have liquid assets like stock, retirement fund etc., and make less than $1,123 per mo. and Medicare does not pay all of your Dr. or Hospital bill and according to the state plan you live in you can have MEDICADE pay the balance. Works out pretty good if you have high insurance premium, this premium on Medicare is less than 100.00 a mo. Hope this helps. |
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