You may qualify for Medicaid coverage of a broad range of health services, including doctors’ visits, hospital care, and medical equipment if

  • you are over 65, blind or have a disability; and
  • meet the financial requirements.

Medicare will pay first for all Medicare-covered medical services and Medicaid will pay second by covering your remaining costs, such as the Medicare coinsurances, copayments and deductibles. Medicaid will also pay for medical services that Medicare does not cover, such as transportation to medical appointments, some dental services and additional home care.

Even if your income and assets are higher than the guidelines, you should still apply because some income and assets may not be counted.

  • Certain kinds of income may not be counted (such as what you pay for health insurance).  
  • If there are more than two people in your household, the income limits may be higher.  
  • All states exclude at least $20 of all income. Some states exclude more.  
  • The first $65 of monthly earned income will not be counted. 
  • One-half of your monthly earned income (after the first $65 is deducted) will not be counted.

Your state may also have a spend-down, also known as a medically needy program. This program allows you to deduct your medical expenses from your income so that you can qualify for Medicaid.