For certain citizens Medicare and Medicaid may work together to provide adequate health care. When a recipient is entitled to both Medicare and Medicaid the benefits are commonly referred to as Medicare Savings Programs (MSP).
Eligibility for Medicaid and Medicare Benefits
A person who receives Medicare benefits may be eligible for Medicaid benefits if he meets certain criteria after being evaluated by a state employed caseworker. The requirements for Medicaid benefits vary from state to state. However, most basic requirements consider low income and the inability to pay for out of pocket expenses as required by Medicare. Consult a state caseworker for requirements in a specific area.
Will Medicaid Cover My Medicare Premium Payments?
For those citizens who qualify for Medicare and fall under twice the standard of resources required by Supplemental Security Income and who have incomes below the set Federal level of poverty, Medicare premiums payments are waived. Medicaid will not pay Medicare premium payments. Qualifying for full Medicaid benefits will waive the Medicare premium payments. The state in which a person lives determines if a citizen is eligible for Medicaid. A caseworker will be assigned to each individual to determine the eligibility of benefits and whether a Medicaid recipient should receive full benefits or partial benefits.
What Does Medicaid Pay If I Have Both Medicare and Medicaid?
For the person with both Medicare and full Medicaid benefits, Medicaid will pick up payments where Medicare leaves off. For example, if a Medicare beneficiary has a co-pay on prescription medications, his Medicaid benefits will pay the co-pay. In other instances, such as with the Medicare Premium Payments, those who have full Medicaid benefits will have those premiums waived.