MEDICARE VS. MEDICAID
Understanding the Difference, Recent Updates & Trusted Resources
Remember: The information on this page is intended for educational purposes only and should not replace guidance from Medicare, Medicaid, your state's Medicaid agency, or a qualified benefits counselor. Always verify eligibility, coverage, enrollment deadlines, and policy changes through official government sources.
MEDICARE & MEDICAID CHANGES (2026–2027)
What Is Medicare?
Medicare is the federal health insurance program for:
- Adults 65 and older
- Some people under age 65 with certain disabilities
- People with End-Stage Renal Disease (ESRD) or ALS who qualify
Understanding your Medicare benefits can help you make informed healthcare decisions and get the most from your coverage.
Click the link below to learn more about your Medicare coverage, eligibility, and benefits by visiting the official Medicare website.
WHAT IT COVERS:
- Part A: Hospital insurance (inpatient, skilled nursing, hospice, some home health)
- Part B: Medical insurance (doctor visits, outpatient care, preventive services, durable medical equipment)
- Part C (Medicare Advantage): Combines Parts A & B, often includes drug coverage and extra benefits
- Part D: Prescription drug coverage
COSTS:
- Premiums, deductibles, and copayments vary by plan.
- Usually does not cover long-term custodial care.
What Is Medicaid?
Medicaid is a joint federal and state health insurance program that provides healthcare coverage for eligible individuals with limited income and resources.
Eligibility and benefits vary by state.
Medicaid may be available for:
- Older adults
- People with disabilities
- Children
- Pregnant individuals
- Parents and caregivers
- Adults who meet their state's income and eligibility requirements
Medicaid helps millions of Americans access essential healthcare services, supporting healthier lives and greater financial security for those who qualify.
Click the link below for accurate, up-to-date information about Medicaid eligibility, benefits, and services.
WHAT IT COVERS:
Coverage varies by state but commonly includes:
- Doctor visits
- Hospital care
- Prescription medications
- Laboratory tests and X-rays
- Emergency services
- Home and Community-Based Services (HCBS), when eligible
- Medical equipment and supplies
COSTS:
Many people pay little or no monthly premium.
Depending on the state and eligibility category, some individuals may have small copayments for certain services.
Long-Term Services and Supports:
For eligible individuals, Medicaid may help pay for:
- Nursing home care
- Personal care services
- Home health services
- Assistance with daily activities
- Certain community-based support programs
HOW TO APPLY IN MARYLAND:
Call 1-855-642-8572 or visit your local Department of Social Services
Can You Have Medicare and Medicaid?
DUAL ELIGIBILITY
Some individuals qualify for both Medicare and Medicaid, often called “dual eligible.”
- Medicare pays first; Medicaid may cover premiums, copays, and additional services that Medicare doesn’t.
- This is especially important for seniors in assisted living or with chronic conditions.
Eligibility rules and covered benefits vary by state. Applying is the best way to find out whether you qualify for dual eligibility or a Medicare Savings Program.
Click link below to visit the Centers for Medicare & Medicaid Services (CMS) Medicare-Medicaid Coordination Office for trusted information about dual eligibility, coordinated benefits, and available resources.
How do I qualify for dual eligibility?
To qualify for dual eligibility, you must meet the eligibility requirements for both Medicare and Medicaid and enroll in both programs. Apply for Medicare through the Social Security Administration and for Medicaid through your state's Medicaid agency. Eligibility requirements vary by state.
HELPFUL RESOURCES
Medicare and Medicaid rules, benefits, and eligibility requirements can change. Always verify the latest information through official government resources or speak with a qualified benefits counselor.
Medicare Resources
Your official source for Medicare coverage, plans, enrollment, and benefits.
Medicare Help
MEDICARE COUNSELING
MEDICARE COUNSELING
Speak with a Medicare representative for answers about coverage, claims, and enrollment.
MEDICARE COUNSELING
MEDICARE COUNSELING
MEDICARE COUNSELING
Receive free, unbiased counseling to help you understand Medicare and compare plan options.
Medicare Enrollment
MEDICARE & YOU HANDBOOK
MEDICARE & YOU HANDBOOK
Apply for Medicare, review eligibility, and manage your enrollment.
MEDICARE & YOU HANDBOOK
MEDICARE & YOU HANDBOOK
MEDICARE & YOU HANDBOOK
The official handbook explains Medicare benefits, coverage options, costs, and important updates for the year.
Medicaid Resources
Official information about Medicaid eligibility, benefits, and state programs.
Maryland Medicaid
State Medicaid Agency Locator
Medicaid Enrollment
Information on Maryland Medicaid eligibility, benefits, managed care, and member services.
Medicaid Enrollment
State Medicaid Agency Locator
Medicaid Enrollment
Apply for Medicaid, renew coverage, update your information, and explore other health insurance options.
State Medicaid Agency Locator
State Medicaid Agency Locator
State Medicaid Agency Locator
Connect with your state's Medicaid office for enrollment, eligibility, and member services.
Addtional Support
Find programs that may help pay for healthcare, prescription medications, food, utilities, and other essential expenses.
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