Medicare and Medicaid often get confused, and it's easy to understand why. They're both federal programs, their names are similar, both are options for people who are 65 and older, and both offer health insurance. No wonder it's hard to keep them straight!
Today, we're going to do a quick review of how Medicare and Medicaid are different and then give you some guidelines to follow if you would like to apply for Medicaid in Arizona.
Medicare is the federal program that offers health insurance to people who are 65 years old or older and to people who have certain health conditions or have been on disability for two years. Original Medicare, Parts A and B, have the same coverage and costs throughout the United States.
Medicaid is also a federal program that offers health insurance, but it is only open to individuals and families who have limited incomes. Even though it is a federal program, each state sets its own eligibility requirements and benefits. Some states have expanded their Medicaid program in recent years, which allows more people to be eligible for coverage.
To be eligible for Medicaid in Arizona, you must first be an Arizona resident, a U.S. citizen, a permanent resident, or a legal alien. In addition, you must belong to one of the following groups of people:
Next, you must have a household income (pre-tax) that is below the amounts in the table below.
Households with more than eight people will add $6,277 per additional member.
If you think you meet these eligibility requirements, you can apply for Medicaid in Arizona. You should start by gathering the documents that will be requested from you. Those documents could include the following:
Once you have all documents, you can apply for Medicaid in Arizona in one of three ways.
If you have more questions about Medicaid, call the Local Medicare Specialists. We can help you determine if you qualify and get you pointed in the right direction. We'll also be able to determine if you qualify for any other cost-saving programs like the Medicare Savings Program or Extra Help.
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We do not offer every plan available in your area. Currently we represent 11 organizations which offer 173 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.