Can You Be on Medicaid and Medicare?

Yes! Many people assume they must choose between Medicaid and Medicare, but the two programs can work together. Individuals who qualify for both are known as “dual eligible.” Understanding how the programs complement each other can help families make informed decisions about care.

Medicare is federal health insurance for people age 65 and older or those with certain disabilities. Eligibility is not based on income. Medicaid, by contrast, is a needs-based program with income and asset limits.

For those enrolled in both, Medicare provides primary coverage for doctor visits, hospital stays, and prescriptions. Medicaid provides secondary coverage that may help pay Medicare premiums, deductibles, and copays.

This combination can be especially helpful when long-term care is needed. Medicare may cover up to 100 days of skilled nursing facility care per benefit period, generally following a qualifying hospital stay. Medicaid, however, can pay for ongoing nursing home care.

Qualifying for Medicaid does not require giving up Medicare, nor does it always mean spending down everything you own. An elder law attorney can explain the rules, help protect your hard-earned assets, and guide you through the application process.