Educational Resource
Medicare & Medicaid Guide for Senior Care
Understanding your insurance options is crucial when planning for senior care. This guide explains the differences and what each program covers.
Medicare
Federal health insurance for people 65+ and some younger people with disabilities.
- Based on age, not income
- Covers hospital stays & doctor visits
- Does NOT cover long-term care
- Limited skilled nursing (100 days)
Medicaid
Joint federal-state program for people with limited income and resources.
- Based on income and assets
- Covers nursing home care
- May cover assisted living (varies by state)
- Covers personal care services
Coverage Comparison
| Care Type | Medicare | Medicaid |
|---|---|---|
| Nursing Home Care | 100 days max | |
| Assisted Living | Varies by state | |
| Home Health Care | Limited | |
| Personal Care (ADLs) | ||
| Memory Care | If in nursing home | |
| Hospice Care |
Coverage details vary. Always verify with your specific plan and state programs.
Medicare FAQs
Medicaid FAQs
How to Apply
Medicare Enrollment
- 1You're automatically enrolled when you turn 65 if receiving Social Security
- 2Otherwise, apply online at ssa.gov or call 1-800-772-1213
- 3Initial enrollment period is 7 months around your 65th birthday
Medicaid Application
- 1Contact your state Medicaid office or apply through Healthcare.gov
- 2Provide income, asset, and medical information
- 3Eligibility is determined within 45 days (90 days for disability)
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