Medicare is health insurance for the following:
• People 65 or older
• People under 65 with certain disabilities
• People of any age with End-Stage Renal Disease (ESRD) (permanent kidney failure requiring dialysis or a kidney transplant)
Medicaid is health coverage available to certain people and families who have limited income and resources. The rules for counting your income and resources (like bank accounts or other items that can be sold for cash) depend on which state you live in. Eligibility may also depend on how old you are and whether you’re pregnant, whether you’re blind or have other disabilities, and whether you’re a U.S. citizen. Certain legal immigrants may also be eligible. If a woman’s labor and delivery of her child is covered by Medicaid, her baby may be covered for up to 1 year without needing to apply.
Even if you aren’t sure whether you qualify, if your income is limited, and if you or in your family needs health care, you should apply for Medicaid and have a qualified caseworker in your state look at your situation. People with Medicaid who are disabled or elderly may also get coverage for services such as nursing home care or home and community-based services. Depending on your state’s rules, you may also be asked to pay a small part of the cost (copayment) for some medical services. If you qualify for both Medicare and Medicaid, most of yourhealth care costs will be covered, including prescription drug coverage.
Some questions that come to mind: