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What is Medicare?
Medicare is a federally funded program which provides health and hospital insurance benefits. Generally people can receive Medicare if: They are 65 years or older. They receive Social Security Disability They suffer from end stage renal disease. They are diagnosed with ALS. ALS is also known as Lou Gehrig ’s disease. Recipients of Railroad Retirement benefits. Unlike Medicaid, receiving Medicare is not based on an individual’s income or assets. What types of Medicare are there?
What is Medicaid?
What is Medicaid? Medicaid is a state and federally funded program that provides Health Insurance to low income individuals in New York State. There are TWO types of Medicaid. They are called MAGI and Non-MAGI. MAGI stands for the Modified Adjusted Gross Income category. Non-MAGI just means that someone doesn’t qualify for MAGI Medicaid. We’ll talk about the differences more below.   You may have a choice between MAGI or Non-MAGI Medicaid.
Medicaid with a Spend-Down
Medicaid is a state and federally funded Public Health Insurance Program, that provides health insurance for individuals who meet income guidelines. Expanded income guidelines are available to individuals over the age of 65, and those under 65 who are certified disabled. Individuals who are over the age of 65, or certified disabled may be "over-income" for traditional Medicaid, and pay a "spend-down" in order to qualify for Medicaid on an ongoing basis. This coverage can be retroactive for up to 3 months prior to the date of the application.