Medicaid
Understanding the Difference
Medicaid is often confused with Medicare, but the key difference lies in who qualifies:
Medicare: Based on age (primarily 65+).
Medicaid: Based on income, but that’s not the only requirement.
This article focuses on Medicaid—what it is and who can get it.
What is Medicaid?
Medicaid is a public health insurance program that provides healthcare coverage to eligible individuals and families.
While each state runs its own Medicaid program, there are many similarities nationwide. The federal government provides funding, but states determine:
Eligibility criteria
Enrollment processes
Covered healthcare services
Payments to healthcare providers
Because Medicaid is state-specific, eligibility and benefits vary. Use this link to find details for your state.
What Does Medicaid Cover?
Medicaid provides a broad range of healthcare services and, in most states, covers long-term care—whether in a facility or within the community. This type of care, often called custodial care, includes assistance with daily living activities.
Important Considerations
Many assume that Medicare covers custodial care, but it usually does not unless additional medical needs exist. Coverage depends on your overall insurance plan.
Medicaid vs. Medicare Coverage
While there are exceptions, here’s a general breakdown:
Medicaid: Covers nonskilled (custodial) care, such as bathing, dressing, and toileting—and skilled care if it is the only payer.
Medicare: Covers skilled care, including doctor visits, nursing, therapy, and skilled home health services.
*Always check with your insurance provider for specific coverage details.
Click here for more insight about skill vs nonskill service.
The Caregiver Online Course gives lots of insight into insurance and benefits.
Take a look.