The government health plans Medicare and Medicaid have very similar names, but their benefits and requirements are very different. Medicare is health insurance for people 65 and older, while Medicaid is insurance for people whose income and resources are limited.

Original Medicare

To qualify for the Medicare you must be 65 years of age or older or have a disability. People with end-stage kidney disease (permanent kidney failure) can apply for Medicare. Original Medicare has two parts or coverages that cover under different situations and requirements.

Part A is intended to cover the costs of the hospital. For example, hospitalization, skilled nursing facilities, and home health care. You do not have to pay the monthly Part A premium if you paid your Medicare taxes while working. However, if you do not qualify for Part A free of cost you can purchase it. Furthermore, Part B helps cover medical services such as outpatient care, medical equipment, and preventive services.

Medicare Advantage

The Medicare Advantage Plan provides more comprehensive coverage, as it includes all of the benefits and services covered under Part A and Part B of Original Medicare. It also includes prescription drug coverage. Part C of Medicare groups all of the benefits of Original Medicare like hospital and medical costs. However, Part D does cover prescription drugs.

Medicaid

If you have a low income you should consider applying for Medicaid. Since insurance can help you cover medical expenses and offers the following benefits:

  • Doctor visits
  • Hospitalization
  • Preventive care (vaccines, mammograms, colonoscopies, etc.)
  • Prenatal and maternity care
  • Mental health care
  • Medicines
  • Vision and dental care (for children)

You can qualify for Medicaid if:

  • You are an eligible immigrant
  • Are an adult with no dependent children (in some states)
  • Is a parent or adult caring for a child
  • Are 65 years or older
  • You are under 19 years old
  • Are pregnant
  • You have a disability

By getting Medicaid you automatically get coverage to pay for prescription drugs. If you want to get the Medicaid or the MedicareYou can visit the page of the Department of Health of your state. However, if you do not qualify for these health plans, which are provided by the United States government, you may want to consider purchasing private insurance.

New York

1. Fidelis Care

Fidelis Care offers affordable, quality health coverage for children and adults of all ages. Among the benefits provided by Fidelis Care health plans are: preventive care and management of chronic diseases, emergency services, hospitalization, maternity, newborn care and prescription drugs. The average cost of the plan can be from $ 420 to $ 441 per month, according to the Department of Health.

2. Health First

Health First provides free and $ 20 a month plans to eligible individuals through NY State of Health. Among the benefits provided by these plans are: preventive check-up once a month, surgeries, emergency room, prescription of medications, consultation with a specialist, etc.

California

1. LA Care Health Plan

LA Care Health Plan offers preventive care plans at no additional cost, meaning you will not have to pay co-payments or co-insurance, or pay a deductible. This insurer has an extensive network of doctors, specialists, hospitals, pharmacies, and preventive care services from which you can receive medical care. To know the costs of the plans you can communicate with the insurer.

2. Blue Shield California

With Blue Shield California You will have access to a wide selection of doctors, specialists and hospitals. This insurer offers several individual and family plans with which you could receive financial assistance. In addition to basic individual plans, Blue Shield California provides dental, vision and life insurance coverage. If you want more information about plans and costs you can get a quotation through its website.