Medicaid (Dual-Eligible)
Dual-Eligible is the term used to describe people who are enrolled in both Medicare and Medicaid. Dual-Eligible beneficiaries are individuals who are enrolled in Medicare Part A and/or Part B and receive full Medicaid benefits and/or assistance with Medicare premiums. They receive cost sharing through state-run Medicare Savings Programs (MSP), which provide help for premiums, deductibles, coinsurance and copayments, depending on the participant's income level and the specific MSP.
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Some private insurance companies, like Humana, have plans that are specifically designed for Dual-Eligible consumers. Humana Dual-Eligible Special Needs Plans combine all the benefits of Medicaid and Medicare plus they include additional coverage and extra benefits in one easy to manage plan. They may also reduce your payments for premiums, deductibles, and prescription drugs.
Plans not available in all areas. Costs, coverage, and benefits vary by location.
1 https://www.medicare.gov/your-medicare-costs/get-help-paying-costs/medicare-savings-programs
Medicare Savings Programs (MSP)
Under this program, your state Medicaid program helps you pay your Medicare premium, and in some cases, your deductibles and coinsurance, if you meet certain conditions. Many people receive help through Medicare Savings Programs, which have different names in different states.
For more information, contact your State Medicaid Program or visit
Medicare.gov
Programs of All-inclusive Care for the Elderly (PACE)
This program offers a combination of medical, social, and long-term-care services. It is available only in states that choose to offer it under Medicaid. Eligibility requirements vary from state to state. For details, contact your state medical assistance office.
For more information, contact your State Medicaid Program or visit
Medicaid.gov
Supplemental Security Income (SSI) benefits
This is help for people who are disabled, blind, or over age 65, and have limited financial resources. SSI is not the same as Social Security benefits.
For more information, contact your local Social Security office or visit the
social security website. You can also use their
Benefits Eligibility Screening Tool (BEST) to find out if you're eligible.
"Extra Help" with Prescription Drug Costs - Low Income Subsidy (LIS)
The federal government helps many Medicare beneficiaries pay their prescription drug costs through the Low Income Subsidy (LIS), also known as “Extra Help” program. Those who qualify for the Medicare Extra Help program get free or reduced drug coverage premiums and reduced out-of-pocket costs like deductibles and coinsurance.
Some people qualify for prescription drug help automatically, while others need to apply. In order to qualify for this assistance you must be receiving Medicare, live in the U.S. and meet certain resource and income requirements.
It’s important to note, applying for extra help is not the same as joining a prescription drug plan. Whether you qualify for extra help or not, you must also enroll in a plan to get prescription drug coverage. If you do qualify for extra help, and choose to get your part d prescription drug coverage through Humana, we will send you a Low Income Subsidy (LIS) rider telling you how much help you’ll get next year towards your drug plan premium, deductible, and copayments.
For more information, contact your local Social Security office or visit the
social security website to see if you qualify, and apply.