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Health Insurance Basics

Medicare Vs. Medicaid: Know the Difference

7 de agosto de 2017

Even though they sound similar, Medicare and Medicaid are not the same. In order for you to make the most of your benefits, it’s important to understand the differences. This infographic illustrates what you need to know about Medicare versus Medicaid.

Infographic Text

 

The names sound very much the same. Both are run by the Centers for Medicare & Medicaid Services (CMS) and they currently cover approximately 100 million people, but Medicare and Medicaid are very different. In order for you to make the most of your benefits, it’s important to understand the differences.

According to the U.S. Department of Health & Human Services, here’s what you need to know about Medicare versus Medicaid.

Comprensión de Medicare
  • What it is: Medicare is a federal insurance program.
  • Who it’s for: People over the age of 65, regardless of income. Medicare is also for younger disabled people and kidney dialysis patients.
  • Who pays for it: It is funded to cover your medical bills from two trust fund accounts paid for mainly by payroll taxes from employees, employers, and the self-employed.
  • What you pay: You pay deductibles to cover your part of the costs, and pay low monthly premiums for coverage that is not hospital-related.
Understanding Medicaid
  • What it is: Medicaid is an assistance program.
  • Who it’s for: Anyone who is designated “low income” and falls into any of the following categories:
    • Adults 65 or older
    • Children under 19 years old
    • Mujeres embarazadas
    • Those living with a disability
    • A parent or adult caring for a child
    • An adult without dependent children (in certain states)
    • An eligible immigrant
  • Who pays for it: Medicaid is both a federal and state-run program. Each state’s program is different when it comes to eligibility and applying.
  • What you pay: Care is basically free, although some people may pay a very small copayment.

Now that you have an understanding of Medicare vs. Medicaid, you can help ensure that you make the best decisions about your healthcare now and in the future.

Y0114_17_32141_I  07/28/2017
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Anthem Blue Cross and Blue Shield es el nombre comercial de: En Colorado: Rocky Mountain Hospital and Medical Service, Inc. Los productos de planes HMO están asegurados por HMO Colorado, Inc. En Connecticut: Anthem Health Plans, Inc. En Indiana: Anthem Insurance Companies, Inc. En Kentucky: Anthem Health Plans of Kentucky, Inc. En Maine: Anthem Health Plans of Maine, Inc. En Missouri (con excepción de los 30 condados del área de la ciudad de Kansas): RightCHOICE® Managed Care, Inc. (RIT), Healthy Alliance® Life Insurance Company (HALIC) y HMO Missouri, Inc. RIT y ciertos afiliados administran beneficios que no pertenecen a planes HMO asegurados por HALIC y beneficios de planes HMO asegurados por HMO Missouri, Inc. RIT y ciertos afiliados brindan solamente servicios administrativos para planes autofinanciados y no suscriben beneficios. En Nevada: Rocky Mountain Hospital and Medical Service, Inc. Los productos de planes HMO están asegurados por HMO Colorado, Inc., que opera con el nombre comercial HMO Nevada. En Nuevo Hampshire: Anthem Health Plans of New Hampshire, Inc. Los planes HMO son administrados por Anthem Health Plans of New Hampshire, Inc., y asegurados por Matthew Thornton Health Plan, Inc. In Ohio: Community Insurance Company. En Virginia: Anthem Health Plans of Virginia, Inc. trades as Anthem Blue Cross and Blue Shield in Virginia, and its service area is all of Virginia except for the City of Fairfax, the Town of Vienna, and the area east of State Route 123. Anthem Blue Cross and Blue Shield and its affiliate HealthKeepers, Inc. En Wisconsin: Blue Cross Blue Shield of Wisconsin (BCBSWi), underwrites or administers PPO and indemnity policies and underwrites the out of network benefits in POS policies offered by Compcare Health Services Insurance Corporation (Compcare) or Wisconsin Collaborative Insurance Corporation (WCIC). Compcare asegura o administra las pólizas de los planes HMO o POS; WCIC asegura o administra las pólizas de los planes HMO o POS de Well Priority. Licenciatarios independientes de Blue Cross and Blue Shield Association. ANTHEM es una marca registrada de Anthem Insurance Companies, Inc. The Blue Cross and Blue Shield names and symbols are the registered marks of the Blue Cross and Blue Shield Association.

Esta información no es una descripción completa de los beneficios. Comuníquese con el plan para obtener más información. Limitations, copayments, and restrictions may apply. Benefits, premiums and/or co-payments/co-insurance may change on January 1 of each year. You must continue to pay your Medicare Part B premium.

Attention: If you speak any language other than English, language assistance services, free of charge, are available to you. Call our Customer Service number, (TTY: 711). ATENCIÓN: Si habla español, tiene a su disposición servicios gratuitos de asistencia lingüística. Llame a nuestro número de Servicio de Atención al Cliente (TTY: 711). 注意:如果您使用非英語的其他語言,您可以免費獲得語言援助服務。請致電聯絡客戶服務部(聽語障用戶請致電:711)。

 
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