Understanding the Difference Between Medicare & Medicaid

Medicare and Medicaid are two, different, government-sponsored health programs. However, they are operated and funded by different parts of the government and serve different demographics. 

Medicare

Medicare is a federal insurance program for Americans age 65 or older, as well as people with qualified disabilities. The program includes Medicare parts A, B, C and D. Depending on the plan, premiums and/or deductibles apply. 

Learn more about Medicare and Medicare Supplement Insurance.

Medicaid

Medicaid is an assistance program for low-income individuals of any age. It is a federal-state program and differs from state to state. Those qualifying for Medicaid generally don’t pay anything for covered services. However, it has strict eligibility requirements that vary by state — unlike Medicare, which is available to everyone 65+. 

When Medicaid recipients turn 65, they may remain eligible for Medicaid, while simultaneously becoming eligible for Medicare. 

Your West Des Moines Medicare Agent

Crumes Insurance is committed to helping individuals make the right decision for their insurance needs. From Medicare supplement plans and long-term care plans to dental insurance and life insurance, we’ll assess your individual needs to determine what is right for you. We know Medicare can be confusing, but we’re always available to explain each part and answer any questions. Don’t hesitate to contact us today!