Medicare or Medicaid?
Do you know the difference?
If you receive disability benefits, you’ve probably heard the terms Medicare and Medicaid — but what do they actually mean for you?
Medicare is a federal health insurance program. If you’re under 65 and receive SSDI, you’ll be automatically enrolled after receiving benefits for 24 months. It has four parts:
- Part A covers hospital stays — and is free for most people
- Part B covers doctor visits and medical care — you pay a monthly premium based on your income
- Part C (Medicare Advantage) is an optional plan through private insurers that bundles extra benefits
- Part D covers prescription drugs — premiums vary, but if your income is limited, you may qualify for Extra Help to lower your costs
Medicaid is a joint federal and state program for people with limited income and resources. In most states, if you’re approved for SSI, you’re automatically enrolled. Medicaid covers some things Medicare doesn’t — like nursing home care and personal care services.
Good news for Ticket to Work participants:
Starting a job doesn’t mean losing your health coverage right away. Work Incentives are designed to protect your Medicare or Medicaid while you transition into the workforce. Want to learn more? Contact your Employment Network
