Michael M Insurance Services Blog |
Medicare Dual Plans are Special Needs Plans specifically for individuals that have both Medicare and Medicaid. Remember, Medicare is a Federal program where as Medicaid is a State program administered at the State level and called by different names depending upon the State. Dual Plans generally enhance Medicaid benefits by adding things like-
Over-The- Counter- Benefits- The beneficiary receives an allowance paid monthly/quarterly for over the counter items at the pharmacy. Enhanced Dental Benefits Enhanced Transportation options And, Depending upon the Level of Medicaid- $0 Copays at the Doctor, in the Hospital and for tests Plus, Reimbursement of your $164.90 Part B Premium. Medicaid is picking up your Medicare cost share. But, here are some things to consider- -Not all doctors take Medicaid. Once on a plan you will have to use the doctors in that plans network. -Medicaid is Income based. That's why when you see Broadway Joe on TV know that most people don't qualify because they make too much money.
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