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How to Get Medicare If I Need Nursing Home Care and Have Medicaid?

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Medicare is a public health insurance program sponsored by the federal government. The plan was created as an annex to the social security in 1965 by President Lyndon B. Johnson. In this system, your taxes help pay for the health expenses of the family members.

Medicare does not pay for services in full, but it is the most economic programs. At its beginning, it worked as a Medicare fee service plan, but over the years it has been incorporated into a prepaid health care option.

Who is Covered? There are many options in the world of medicare, this is nice because anyone that may be facing several health situations can be covered, here are some of the requirements for the medicare service:

  • People over 65
  • Certain disabled people
  • People with ESRD
  • To qualify you must be a US citizen or carry at least five consecutive years as a permanent resident
  • What Services Are Covered?

There are three different plans for coverage under the Medicare service and a fourth plan covering a little bit of everything. This is nice because it allows you to choose which one of these plans would benefit you the most and you can then apply for that plan.

Medicare Plan A: This is the most basic and economical option, many people that do not have much money are drawn to this service because it allows you to easily access the medicare services even though you do not have much money. Here are some of the features of this plan:

  • Covers hospital costs
  • You do not pay any premium
  • It’s part of the Original Medicare system
  • Medicare Plan B

This is the service that you should be looking for if you have medicaid and you need nursing home care, this is a great option because it covers your care and makes things easy for you and your family, although you do have to pay a monthly premium. Here are some of the features of this plan:

  • It covers medical services (doctors, care, prevention)
  • You must meet a minimum deductible
  • You pay a monthly premium depending on your personal income
  • It’s part of the Original Medicare system
  • Medicare Plan C

This plan is also known as Medicare Advantage. This is a Combination of plans A, B and D. This is the best option available for medicare because it provides every plan and combines them all into one. So you get a very broad range of services. Here are some of the features of this plan:

  • Medicare is achieved by means of a private health plan (PPO, HMO) with insurance companies that have been approved for this work
  • You must meet a minimum deductible
  • You pay a monthly premium
  • Provides higher profits despite being more expensive
    Medicare Plan D

This plan does not offer too much, although this can be a very beneficial plan if you are in a nursing home, and you cannot afford your medicine. This is a good option for many people, this plan is only a piece of the puzzle though, meaning that you will not receive complete coverage. Here are some of the features of this plan:

  • It covers the majority of drug costs
  • You must meet a minimum deductible
  • You pay a monthly premium
  • You may qualify for extra help