Quick answer: Medicaid is a joint federal-state program that helps pay medical costs for people with limited income and resources. If you qualify for both Medicare and Medicaid, Medicare pays first, and Medicaid can cover costs Medicare doesn’t — including long-term nursing home care.
What Is Medicaid?
Medicaid is administered by each state individually, so eligibility rules, income limits, and covered services vary depending on where you live. It’s designed for people with limited income and resources, and eligibility factors can include income, disability, age, and household situation.
If You Qualify for Both Medicare and Medicaid
This is called dual eligibility. Medicare covers your medical care first, and Medicaid can pick up costs Medicare doesn’t cover, including services Medicare doesn’t pay for at all, like long-term nursing home care. See exactly how the two programs work together.
Help Even If You Don’t Qualify for Full Medicaid
If your income is too high for full Medicaid but you still need help with Medicare costs, a Medicare Savings Program may help pay your Part A and/or Part B premiums — and in some cases your deductibles and coinsurance too. See the four Medicare Savings Programs and who qualifies for each.
How to Apply
Contact your State Medicaid office to check your eligibility and apply — rules and income limits differ by state, so this is the only reliable way to know where you stand.
Frequently Asked Questions
Do I need Medicaid if I already have Medicare?
Not everyone does, but if you have limited income, Medicaid (or a Medicare Savings Program) can significantly reduce what you pay out of pocket for Medicare-covered care.
Does Medicaid cover things Medicare doesn’t?
Yes — most notably long-term nursing home care, plus services like transportation and personal care in many states.
Where do I apply for Medicaid?
Through your state’s Medicaid office. Since programs vary by state, they’re the only accurate source for your specific eligibility and required documents.
