Can You Have Medicare Advantage Plans and Medicaid Together?
It’s possible to have Medicare and Medicaid at the same time. That’s called being “dual eligible.” If you’re a dual-eligible beneficiary, what if you want to enroll in a Medicare Advantage plan alongside your Medicaid coverage? We’ll explore the answer below.
Medicaid vs. Medicare – what’s the difference?
Medicare and Medicaid have the same “parent” agency: the Centers for Medicare & Medicaid Services.
As you might already know, Medicare is a government health insurance program. It’s mainly for people aged 65 or older, but some people qualify by disability before age 65. “Original Medicare” is made up of Medicare Part A (hospital insurance) and Part B (medical insurance).
Medicaid is also a government health insurance program, but those who qualify generally have low incomes or disabilities, and don’t have to be over 65 years old. Medicaid is administered by the states, but must follow certain federal rules.
Can you enroll in a Medicare Advantage plan with Medicaid?
Many people prefer Medicare Advantage plans as a way to get their Medicare coverage. Medicare Advantage (Medicare Part C) is a program that lets you get your Medicare Part A and Part B benefits through a private, Medicare-approved insurance company. Many plans have extra benefits, too, like prescription drug coverage and routine dental care.
You might be able to sign up for a Medicare Advantage plan when you’re on Medicaid. For example, there are some Medicare Advantage plans called Special Needs Plans (SNPs).
There are several types of SNPs. One of them is specifically tailored for dual-eligibles. It’s sometimes called a D-SNP. However, be aware that D-SNPs might not be available in your area.
If you want to sign up for a Medicare Advantage plan when you’re on Medicaid, you can:
- Contact eHealth to see if there are plans in your area you can get if you’re on Medicare with Medicaid.
- Contact your local State Health Insurance Assistance Program (SHIP). You can visit https://www.shiptacenter.org/.
Please note that your Medicare Part B premium still applies when you have a Medicare Advantage plan. If you’re dual-eligible, Medicaid might pay the Part B premium.
To find Medicare Advantage plans in your vicinity, you can start anytime by clicking the Browse Plans button on this page.