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August 9, 2010

Medicaid

State Health Programs For Low Income Individuals & Families

Medicaid is a health insurance program funded at the state and federal level that assists low-income individuals with medical costs. Each state has its own Medicaid program. Medicaid beneficiaries include children, senior citizens, the disabled, the blind and individuals eligible to receive federally assisted income maintenance payments.

Medicaid eligibility is usually determined by meeting income and asset limits. These income and asset limits are related to the federal poverty level. Some states with high costs-of-living (e.g. Hawaii) have higher limits than other states.

People who are simultaneously enrolled in the Medicaid program and Medicare are known as "dual eligibles." Dual eligibles are qualified to participate in the Extra Help program that provides assistance with Medicare Part D premiums and deductibles.

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Medicare Advantage Plans, sometimes called "Part C" or "MA Plans," are offered by private companies approved by Medicare and provide Medicare Part A and Part B coverage. Medicare prescription drug coverage is insurance run by an insurance company or other private company approved by Medicare. A Medicare Supplement plan is a health insurance plan provided by a private company that fills in the "gaps" in original Medicare coverage.