Page 11 - Florida Long-Term Care Medicaid Post Approval Client Guide
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Family First Firm • Florida Medicaid Post-Approval Guide
8. Medicare Overview – Keeping Your Coverage.
Most Medicaid long-term care recipients also have Medicare. It is important to understand how
these two programs work together and to maintain your Medicare coverage.
Medicare and Medicaid: How They Work Together
Medicare is still your primary insurance for hospital stays, doctor visits, and medical care.
Medicaid covers long-term care services and may help pay Medicare premiums,
deductibles, and copayments.
Having both is called being "dually eligible" and provides comprehensive coverage.
Maintaining Your Medicare Parts A and B
Do not drop your Medicare Part B coverage. Even though Medicaid provides long-term care,
Medicare Part B is essential for doctor visits, outpatient services, and medical equipment. If you
qualify for QMB or another Medicare Savings Program, Medicaid will pay your Part B premium.
Medicare Part D (Prescription Drug Coverage)
As a dual eligible (Medicare and Medicaid) recipient, you qualify for Extra Help (Low Income
Subsidy) with Medicare Part D costs. This means little to no premium and very low copays for
prescription drugs. You should be automatically enrolled in a Part D plan but verify that your
prescriptions are covered by your plan.
Important: Do not cancel or change your Medicare coverage without consulting our office or a
benefits counselor first.
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