Paperwork & planning
Insurance basics: Medicare vs. Medicaid
Plain-language overview of what each program is, what it typically covers, and what to ask next.
Quick checklist
- Medicare is primarily age/disability-based health insurance; coverage depends on Parts A/B/D/Advantage.
- Medicaid is income/asset-based and often tied to long-term care coverage by state.
- You can have both (dual eligibility).
- For long-term caregiving costs, Medicaid rules matter.
What Medicare generally covers
- Hospital care and limited skilled services under specific rules.
- Doctor visits and outpatient services.
- Prescriptions via Part D or Medicare Advantage plans.
What Medicaid often helps with
- Long-term care supports (varies by state).
- Home and community-based services (waivers/programs) in many states.
- Nursing facility coverage when eligible.
Next steps
- Check the plan card/portal for your loved one’s coverage details.
- Use your state page to find Medicaid eligibility and local help.
- If overwhelmed, ask for a benefits counselor or SHIP assistance.