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Medicaid and medicare

Medicare and Medicaid are both federal healthcare programs intended to help those in need and/or who've reached a certain age, but there are some key distinctions. The differences between Medicare and Medicaid generally can be boiled down to who runs them, who qualifies for them, how much users pay, and what services they cover. The following article will help you get a handle on the key differences between the two.

Medicaid and Medicare: The Basics

Medicaid is a federal program that is administered separately by each state. This is not the only difference between it and Medicare, however. Medicaid covers low-income people who don't have the financial means to afford healthcare on the private market, regardless of age, while Medicare applies to everyone who has paid into the system and reached the point of eligibility (age 65 or older).

Medicare seeks to address the problem of the elderly having high medical bills, but increasingly limited means. Medicare recipients pay into Medicare through payroll or self-employment taxes.

While it's possible to qualify for both at the same time, each program has its own set of requirements; this means you won't necessarily be able to enroll in one just because you qualified for the other.

Medicare vs. Medicaid: A Comparison

The following table contains a clear breakdown of the key differences between Medicare and Medicaid.

 

Medicaid

Medicare

Who Runs It

Medicaid is a federal program administered by the states. Information is available at your state's health services office.

Medicare is a federal program with uniform, national rules.

Eligibility

Low-income people are eligible for Medicaid, regardless of age.

Medicare benefits can begin as early as age 62, or even earlier in the case of serious disability covered by Social Security.

Coverage

Medicaid covers basic health care costs such as visits to the doctor and hospital stays, but can also cover things like the cost of eyeglasses.

Medicaid also pays for nursing home care for those in need.

Part A: Hospital and post-hospital facility charges, as well as home health care.

Part B: Doctor fees and lab costs, outpatient care (can include physical therapy and medical equipment )

Part C (Medicare Advantage): Provided through private insurers; coverage varies by provider.

Part D: Prescription drug coverage.

Costs

Medicaid sometimes charges its users small fees for certain services.

Medicaid will often pay for Medicare deductibles and premiums, and it can cover the 20% of medical costs that Medicare will not pay for.

There is a yearly deductible for all three Medicare plans.

Part A: Copayments for lengthy hospitalizations.

Part B: 20% to 35% of medical bills, plus a monthly premium.

Part C (Medicare Advantage): Costs for Medicare Advantage vary by provider.

Part D: For 2018, there is a coverage gap such that Medicare will not cover total drug costs after they exceed $3,750, but will resume coverage once total drug costs reach $5,000.

Beneficiaries must also pay a monthly premium and 25% of drug costs once the deductible is met.

 

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Kevin Pillion
Kevin Pillion
84

1671 Mound Street, Sarasota, FL 34236

Bar #70288(FL)     License for 2009 years Member in Good Standing

Practice Areas: Elder law | Estate planning | Medicaid and medicare | Power of attorney | Probate | Trusts | Wills and living wills
Robert Kellen Bryant
Robert Kellen Bryant
55

4540 Southside Blvd. Suite 302, Jacksonville, FL 32216

Bar #43421(FL)     License for 2007 years Member in Good Standing

Practice Areas: Elder law | Estate planning | Guardianship | Medicaid and medicare | Power of attorney | Probate | Trusts | Wills and living wills
Craig Marc Rappel
Craig Marc Rappel
16

601 21st Street Suite 300, Vero Beach, FL 32960

Bar #752428(FL)     License for 1988 years Member in Good Standing

Practice Areas: Administrative law | Appeals | Health care | Litigation | Medicaid and medicare
Scott Alan Selis
Scott Alan Selis
12

145 City Pl Ste 301, Palm Coast, FL 32164-2481

Bar #796069(FL)     License for 1989 years Member in Good Standing

Practice Areas: Business | Elder law | Estate planning | Guardianship | Medicaid and medicare | Probate
Amanda Duryea Wolf
Amanda Duryea Wolf
10

114 South Fremont Avenue, Tampa, FL 33606

Bar #30660(FL)     License for 2006 years Member in Good Standing

Practice Areas: Elder law | Estate planning | Medicaid and medicare | Probate
Elizabeth Dianne Moneymaker
Elizabeth Dianne Moneymaker
10

435 12th St. W., Ste. 215, Bradenton, FL 34205

Bar #885851(FL)     License for 2004 years Member in Good Standing

Practice Areas: Elder law | Estate planning | Guardianship | Medicaid and medicare | Personal injury
Pamela M Burdick
Pamela M Burdick
10

2881 East Oakland Park Blvd. Suite 305 PO Box 11772, Fort Lauderdale, FL 33339-1772

Bar #295655(FL)     License for 1980 years Member in Good Standing

Practice Areas: Elder law | Estate planning | Guardianship | Medicaid and medicare | Probate
Andrew Murray Bellinson
Andrew Murray Bellinson
7

12555 Biscayne Blvd # 762, North Miami, FL 33181-2522

Bar #971057(FL)     License for 1993 years Member in Good Standing

Practice Areas: Elder law | Estate planning | Medicaid and medicare | Power of attorney | Wills and living wills
Carolyn Butler Norton
Carolyn Butler Norton
7

2770 Indian River Blvd Ste 309, Vero Beach, FL 32960-4299

Bar #549797(FL)     License for 2002 years Member in Good Standing

Practice Areas: Elder law | Estate planning | Guardianship | Medicaid and medicare | Power of attorney | Trusts | Wills and living wills
Henry Joseph Kulakowski, Jr.
Henry Joseph Kulakowski, Jr.
6

33801 U.S. Hwy. 19 N., Palm Harbor, FL 34684

Bar #313742(FL)     License for 1980 years Member in Good Standing

Practice Areas: Elder law | Estate planning | Medicaid and medicare | Probate | Real estate | Trusts | Wills and living wills
Anne Sheffler Douglass
Anne Sheffler Douglass
5

4501 Manatee Ave. W., Ste. 229, Bradenton, FL 34209

Bar #239143(FL)     License for 1977 years Member in Good Standing

Practice Areas: Elder law | Estate planning | Guardianship | Medicaid and medicare | Probate | Trusts | Wills and living wills
Anthony Greg Mowry
Anthony Greg Mowry
5

227 Pensacola Rd., Venice, FL 34285

Bar #107374(FL)     License for 2013 years Member in Good Standing

Practice Areas: Elder law | Guardianship | Medicaid and medicare | Probate | Trusts | Wills and living wills

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