Episode 10 – Medicare and Medicaid

 

There are two types of government benefits for health insurance: Medicare and Medicaid. Medicare is for the elderly and the disabled. Medicaid generally is for the poor.

What Is Medicare?

You’re entitled to Medicare if you’re over sixty-five or if you are disabled and drawing Social Security disability benefits. Medicare begins two years after you start receiving Social Security disability benefits why they have a two-year wait for the Medicare. I cannot tell you why, but if you become disabled today, you will not get Medicare until two years after your benefits start.

What Is Medicaid?

Medicaid, as most people are familiar with, are benefits of health insurance, either through the state or federal programs if you meet certain poverty levels or income levels. That’s changed a lot over the years, especially with the Affordable Care Act (ACA) and other changes under Michigan law.

A few years ago, not many people at all received Medicaid, then they changed the rules under the ACA and many people qualified for it. (Thank goodness, because most of my clients were without insurance until then). Now, however, they’ve changed the rules again, and they’ve implemented a rule that if you have no dependent children, even if you qualify for Medicaid income-wise, you have to either work twenty hours a week, do volunteer work, or be in school in order to continue your Medicaid coverage.

This is going to jeopardize a lot of benefits for people, especially people that can’t commit to twenty hours a week. If you have concerns about this, I strongly recommend you contact your congressman about it.

The Difference Between Medicare and Medicaid

Medicaid coverage actually is generally better than Medicare. Medicare is an eighty-twenty plan. Medicaid covers most any and all treatment. With few exceptions. The problem is sometimes is finding a doctor that’s willing to take on another Medicaid or Medicare patient.

You May Be Able To Qualify For Both Medicare And Medicaid

Some people qualify for both benefits, both Medicaid and Medicare. If you qualify for both, you pretty much have one hundred percent coverage.

Exceptions to Medicare Rules

There’s a couple of exceptions. In Medicare, for example, one is dialysis. If you have kidney failure and you’re on dialysis. You get Medicare automatically, even if you’re working. There’s no two-year wait. There’s, no need to show disability and there’s no need to analyze income.

See An Attorney If You Think You Qualify For Medicare Or Medicaid

There are different rules for both federal and state programs. It’s very tricky. If you think you may qualify, you can always check with DHS for any Medicaid benefits, but if you have questions on it, always talk to an attorney that’s familiar with the health insurance laws. Have any questions? Call me at (989) 725-8118.

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