Obamacare News Blog

How Medicaid Works With Medicare Advantage

If you are over 65 and eligible for Medicaid, you might be able to enroll in Medicare Advantage, AKA Medicare Part C. This is good news for seniors who have added benefits that Original Medicare doesn’t offer.

Medicare Advantage Benefits

These plans can offer extras that Original Medicare doesn’t such as dental, vision, prescription drug coverage, and gym memberships. This is all added on to the guarantee that Medicare Advantage plans must offer what Medicare offers to seniors. To learn more read the article, What is Medicare Advantage? If you qualify for Medicaid you may be able to have your Medicare Advantage premium paid for among other benefits.

Medicaid Overview

A federal-State funded health insurance program for those who qualify by need. Who qualifies?

• Depends on which state how they handle Medicaid
• ObamaCare expanded Medicaid eligibility to individual incomes up to $15, 281
• If your state has blocked the Medicaid expansion each state has its own rules

Medicaid and Seniors

This is what is most important to you or your loved one. If you are considered a Qualified Medicare Beneficiary (QMB), generally, falling below 100% FPL (again depends on the state), Medicaid may cover or completely your Medicare Part A premium, Part B premium, copays, coinsurance, and deductibles, plus, and this is a big plus, in some states Medicare Part C’s premium, commonly known as Medicare Advantage.

Spend Down can Help You Get Medicare Advantage

“Spend Down” is a Medicaid loophole for the medically needy, but who don’t financially qualify. What this program allows you do to is subtract your medical expenses from your income to become eligible for Medicaid. Again, this all depends on your state. To learn if your state allows for spend down call 800-930-7956.

For any further questions about Medicare Advantage and Medicaid call the number above or contact Medicoverage for assistance.