How to Apply for Dual-Eligibility Medicaid

Medicaid is a state-operated, federally and state-funded health insurance program for low-income elderly or disabled individuals, pregnant women and children. Depending on the state, other low-income groups, such as refugees, may qualify for Medicaid. Medicare is a federally operated health insurance program for elderly or disabled individuals with a sufficient work history to qualify for Social Security benefits. Individuals who are eligible for both programs may apply for Qualified Medicare Beneficiary (QMB) benefits, a program that pays the cost of Medicare premiums, copayments and other out-of-pocket Medicare costs.

Instructions

• 1

  Complete an application for Medicaid if you don't already have Medicaid by contacting your local or state Medicaid office. The National Association of State Medicaid Directors maintains a list of contact information for each state's Medicaid office (see Resources). You'll need proof of income, resources, a state- or federally issued identification card, birth certificate and Social Security card to enroll in Medicaid. If you're enrolling on the basis of a disability, you'll need to provide contact information for each medical provider you've consulted with over the past 12 months.

• 2

  Enroll in Medicare Part A and B benefits if you're not currently enrolled by contacting 1-800-MEDICARE. Medicare Part A covers inpatient hospital expenses. Examples include services received in the emergency room and any services received after being admitted to an inpatient medical or psychiatric hospital. Medicare Part B covers outpatient medical expenses, including appointments with your primary-care physician, licensed therapists and other medical providers that are seen in an outpatient setting.

• 3

  Contact your local or state Medicaid office to request QMB benefits. You may have to submit a copy of your Medicare card as proof of enrollment in Medicare. You don't have to complete an application or any additional paperwork to obtain QMB benefits. However, you should follow up with the Medicaid office seven to 10 days after making the request to be enrolled in QMB to ensure that your QMB benefits have been activated.