You’ve just turned 65 and you are not receiving health insurance from an employer.
Do you know what health insurance you’re eligible for? If not, learn about Medicare and Medicaid eligibility for New York.
Medicare and Medicaid may sound alike, but they are very different programs.
Medicare is Health Insurance is for:
- People 65 and over who do not qualify for Medicaid because their income is too high
- People of any age who have kidney failure or long-term kidney disease
- People who are permanently disabled and cannot work
Apply for Medicare online or in person at your local Social Security office. In the months before you turn 65, you’ll get an application in the mail. You have three months before your 65th birthday, the month of your birthday and three months after to apply without penalty.
Confused by your Medicare Options?
Speak directly to counselors who really understand the ins and outs of Medicare, from regular Medicare to Medicare Advantage to drug plans, and will tell you what you are entitled to, benefit-wise. Beats sorting through the government booklets and websites. Contact the helpful SHIP counselors in your state.
Medicaid is Health Insurance for low-income people including:
- People 65 and over
- People who are under age 65 and blind or disabled
- People who need nursing home care
- Pregnant women
- Children under the age of 19
Are you eligible for Medicaid?
Healthcare.gov is an amazing, super user-friendly site that allows you to select your state and then enter information to see if you what you earn (including your SSI and/or social security check) and what you have in savings are within the Medicaid guidelines. Or try the Enroll NY website–It’s a user-friendly and another quick way to learn if you financially qualify to receive Medicaid.
Some people qualify for both Medicaid and Medicare.
This occurs if they cannot afford their Medicare premiums and their income and assets are below a certain level.
Community Health Advocates provide free health and insurance coverage information and advice to uninsured and insured New Yorkers in their communities in over 11 languages. They will help you determine your medicare and medicaid eligibility for New York. They will also help you with unpaid hospital bills that you are struggling to pay, tell you what programs you are eligible for, and provide you with healthcare solutions that you don’t even know exist. Call their helpline at 888-614-5400 or visit the Community Health Advocates website.