How to Qualify for
Medicare & Medicaid 

Home » Low Income Cost Assistance » How to Qualify for Medicare And Medicaid?

This page provides an overview of information and topics related to Medicare and Medicaid. We also provide in-depth articles on most of these topics, which will provide more specific details and actionable information. Just click through the links if you have questions about any of the programs or plans covered on this page.  

Both Medicare and Medicaid are important programs for the health and well-being of Americans. They work both individually and collaboratively, supported by federal and state resources. Many people may qualify for both Medicare and Medicaid. Confusing the two programs is easy, but we’re here to ensure you have the resources you need to make the most of both Medicare and Medicaid.  

Medicare Basics


Medicare is a federal program providing health insurance for those 65 and older or at any age with Social Security disability benefits.  

Medicare is made up of two main segments, often referred to as Original Medicare: Part A (hospital coverage) and Part B (medical coverage). Medicare beneficiaries can also supplement their coverage with a Part C, Part D, or Medigap plan to assist with Medicare costs. 

Once you are eligible for Medicare based on age (65 or older), you are eligible forever.  

Medicaid Basics


Medicaid is a program providing healthcare and health savings for low-income individuals and families. Medicaid is governed by a federal set of guidelines and agreements, but is individually managed by each state. Eligibility for Medicaid is generally based on income and resources, but the exact qualifications vary by state.

Because Medicaid eligibility is determined by income, you can become eligible or ineligible a number of times over the years.  

Could You Get a Medicare Advantage Plan with Extra Benefits?
Get a Free Consultation with a Licensed Agent.

How to Qualify for Both Medicare and Medicaid 

Because Medicaid eligibility varies by state, it’s best to check with your state health program to confirm that you qualify for both Medicare and Medicaid. You may qualify for both Medicare and Medicaid if you:  

  • Are 65 or older 
  • Are younger than 65 and receive Social Security disability benefits 
  • Have a limited income 
Image

How Medicare & Medicaid Work Together 

Several Medicaid programs assist low-income individuals or couples with paying Medicare costs, such as premiums, deductibles, copayments, and prescription drug costs.  

If you qualify for both Medicare and Medicaid, you are considered dual-eligible. Dual-eligible individuals usually have more opportunities to change their Medicare coverage throughout the year than beneficiaries who just have Medicare.   

Medicare and Medicaid are both overseen by a federal agency called the Centers for Medicare & Medicaid Services (CMS).  

Get Medicare Coverage that Fits Your Needs
Explore Medicare Advantage Plans In Your Area

A gorgeous mixed race woman of Asian and Pacific Islander descent wraps her senior mother up in an affectionate hug.

Medicare Savings Programs

Medicare Savings Programs are Medicaid-funded initiatives to help dual-eligible individuals pay for Medicare costs. There are four Medicare Savings Programs:  

Qualified Medicare Beneficiary (QMB) Program: Covers Medicare Part A and B premiums, deductibles, copayments, and coinsurance.   

Specified Low-Income Medicare Beneficiary (SLMB) Program: Pays Medicare Part B premiums.   

Qualifying Individual (QI) Program: Pays Medicare Part B premiums. These benefits must be applied for every year and they’re awarded on a first-come first-serve basis. Medicaid recipients are not eligible for this program.    

Qualified Disabled and Working Individuals (QDWI) Program: Helps pay Medicare Part A premiums and is available if you were previously receiving Medicare coverage with your disability benefits but have now returned to work and lost your disability coverage.  

You can contact your state Medicaid office to discuss eligibility or apply for a Medicare Savings Program. 

Extra Help or Low-Income Subsidy 

Extra Help is the program that helps cover your costs related to prescription drug coverage. Most dual-eligible individuals are qualified for Extra Help. Some individuals who are not eligible for Medicaid but have low income and resources may be eligible for partial Extra Help assistance. Extra Help may pay your prescription drug premium and deductible, as well as set a maximum cost to your prescription drugs.  

Dual-Eligible Special Needs Plans 

Dual-Eligible Special Needs Plans (D-SNPs) are a type of Medicare Advantage plan offered by private insurance companies specifically for individuals who qualify for both Medicare and Medicaid. They include all the same benefits as Medicare Parts A and B, with the convenience of a plan that’s designed to work with both programs. Many of these plans offer additional benefits as well and may have $0 premiums, deductibles, or copayments.  

All Medicare plans offered by private insurance companies are monitored and closely regulated by the Centers for Medicare and Medicaid Services to ensure they’re offering the benefits and pricing required by each program. CMS also issues plan ratings based on customer satisfaction with each plan, measured in multiple ways. These ratings are on a 5-star scale, with 5 stars being the highest rating.  

Are you eligible for both Medicare and Medicaid?
Ask About Dual Special Needs Plans In Your Area.

Speak to a Licensed Agent Today

1-800-991-4407 / TTY 711

Mon-Thu 8am-11pm, Fri 8am-9pm, Sat 10am-6pm EST


Privacy Policy | Terms of Use | Contact Us | Content Review Process

e-TeleQuote Insurance Inc. (“e-TeleQuote”), an affiliate of Primerica, Inc., does business as easyMedicare® in all states other than California, Florida and New Mexico. e-TeleQuote is a duly licensed insurance agency appointed by Medicare Advantage HMO, PPO and PFFS plans and stand-alone prescription drug plans and insurance companies holding Medicare contracts approved by The Centers for Medicare & Medicaid Services (CMS). e-TeleQuote is not connected with or endorsed by the U.S. Government or the Federal Medicare Program. Enrollment in any plan for coverage is subject to insurance company approval. Enrollment in the plan depends on the plan’s contract renewal with Medicare. By using e-TeleQuote’s easyMedicare website, you understand and agree that in California, Florida and New Mexico, we operate as e-TeleQuote Insurance, Inc. (Your IP address and/or location coordinates may be gathered to verify your location.) Sales agents/producers may be compensated based on your enrollment in a health plan. Medicare Supplement plans are not connected with or endorsed by the U.S. Government or the Federal Medicare program. e-TeleQuote complies with applicable Federal civil rights laws and does not discriminate on the basis of race, color, national origin, age, disability, sex, sexual orientation, gender identity, or religion. easyMedicare.com is a non-government site, powered by e-TeleQuote Insurance, Inc. e-TeleQuote provides a secure way to purchase Medicare insurance from the comfort of your home or workplace. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1–800–MEDICARE to get information on all of your options. To send a complaint to Medicare, call 1-800-MEDICARE (TTY users should call 1- 877-486-2048), 24 hours a day/7 days a week). If your complaint involves a broker or agent, be sure to include the name of the person when filing your grievance.

Last Updated: November 1, 2022 MULTIPLAN_ETQEZMwebsite_0722_M