Discover Dual Eligibility with DreamhealthQuotes
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Dual Eligibility: Explained
When someone has both Medicare and Medicaid (Federal and State Insurance Programs) eligibility, they are said to have dual eligibility. Although it’s simple to mix up the two, knowing the distinctions and how the programs complement one another will help you get the most out of your healthcare experience.
There are numerous advantages to both regimes. Medicaid is a state and federal medical assistance program for people with low incomes and resources, while Medicare is a federal health insurance program for elderly and people with disabilities.
We can ensure that you are maximizing your coverage and collecting the benefits you are due. There is no requirement to sign up.
How to Meet Medicare and Medicaid Requirements
Availability of Medicare
Every state offers the same level of Medicare eligibility. People must be citizens of the United States or have lived here legally for at least five years before applying.
- Additionally, entrants must fulfill one of the following requirements:
Age being 65 years or above
- Having a disability (the person must have been deemed “legally disabled” for 24 months) and being at least 65 years old are both requirements.
- Have been identified as having Lou Gehrig’s disease (ALS) or end-stage renal disease.
Currently, Medicare has no restrictions on assets or income.
Eligibility for Medicare and Medicaid
All states have the same Medicare eligibility requirements. People must be citizens of the United States or have been lawfully present in the country for at least five years to qualify. Additionally, candidates must satisfy one of the following requirements:
- Be at least 65 years old.
- Have a disability (the person has been deemed “legally disabled” for 24 months);
- Have Lou Gehrig’s disease (ALS) or end-stage renal disease as a diagnosis.
Medicare currently has no restrictions on assets and income. There is no obligation to enroll.
How does Dual Eligibility benefit you?
Medicaid and Medicare enrollees may benefit from improved healthcare coverage and decreased out-of-pocket expenses. For hospital stays and medical costs, Medicare is often the main payer. Medicaid (the secondary payer), however, will frequently cover the balance if Medicare doesn’t cover the entire cost. In addition, Medicaid does pay for some costs that it does not, such as:
- Home and community-based personal care assistance
- Continuous skilled nursing facility care
When Original Medicare doesn’t pay for them and Medicaid has restrictions, some Medicare Advantage plans will cover the cost of long-term care treatments and supports. The premiums, deductibles, and co-payments associated with Medicare can also occasionally be partially covered by Medicaid.
Process for Dual Eligibility Application
Get in touch with your neighborhood Social Security Administration office to apply for Medicare. Contact the Medicaid office in your state to see if you qualify and to apply.
Allow us to guide you through the Medicare system's complexities
At DreamhealthQuotes, we aspire to serve as your representative and work to ensure that you have access to all of your options. In terms of Medicare, we can make sure you’re getting the benefits you deserve by quickly comparing all the possibilities offered in your area by the businesses we represent. There is no requirement to sign up.
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