The high rate of continuing unemployment and exhaustion of jobless benefits have caused a major spike in the number of people applying for Medicaid throughout the country. Yet, many people still remain unclear about the difference between Medicaid and Medicare.
To begin, Medicare is a federal program that provides primary health insurance for everyone over the age of 65, as well as for some people with disabilities who are receiving Social Security benefits. Coverage is basically uniform in all states with automatic Part A encompassing costs for hospitalizations, medical and some preventative care, as well as very limited long-term care. There are also Part B and Part D coverage, which include options for extra benefits. Dental and transportation costs are (generally) not covered, however. In addition, recipients are required to pay certain premiums and co-pays for services provided, thus necessitating the purchase of “Gap” policies from private providers available through AARP, etc.
In addition, some states do have additional programs for their own supplemental coverage. For instance, here we also have ConnPACE (Connecticut Pharmaceutical Assistance Contract to the Elderly and Disabled), a special state funded program that helps eligible seniors and disabled residents afford most prescription medications as well as insulin and insulin syringes.
Connecticut Medicare recipients can also benefit from a Health Savings program that offiers discounts on all drugs and extra money off on certain other drugs. The health savings program also includes discounts for items reated to eye care, etc.
Medicaid, on the other hand, is an individually state-run (county admimistered) health insurance program that provides coverage only for eligible people with very low incomes and few assets. These include people 65 years old and up, individuals 18-65 who are disabled, and people who are blind. Coverage includes hospital, medical, long-term care and home health care services, medical and surgical supplies, transportation and dental treatment.
Medicaid is also not something easily acquired, and there are a great many restrictions to qualify including strict limits on income (both earned and unearned, as well as certain personal assets. However, home property is totally excluded in Connecticut’s Medicaid program, as is owning a motor vehicle provided it is needed for emplpyment or the treatment of specific medical conditions.
Those who wish to learn more about applying for Medicaid need to contact the Adult Services Bureau of Assistance Programs at the Department of Social Services, 25 Sigourney St., Hartford, CT 06026-5033 860 421-5250. For more information about Medicare, please contact any of the following Social Security offices:
For more information, contact any of the following Social Security offices throughout the State.
307 Main St., Ansonia, CT 06401 203 735-6201, 1-800-772-1213
3rd Floor, 3885 Main St., Bridgeport, CT 06606 203 365-8452, 1-800-772-1213
Room 400 4th floor, 225 N. Main St., Bristol, CT 06010 860 314-2304, 1-800-772-1213
131 West St., Danbury, CT 06810 203 748-3569, 1-800-772-1213
478 Burnside Ave., E. Hartford, CT 06108 860 290-5420, 1-800-772-1213
2nd Floor, 960 Main St., Hartford, CT 06103 860 493-1857, 1-800-772-1213
4TH Floor, One West Main St., Meriden, CT 06451 203 238-0346, 1-800-772-1213
3rd Floor, 425 Main St., Middletown, CT 06457 860 347-8562, 1-800-772-1213
233 Main St., 2nd Floor, New Britain, CT 06051 866 858-6086, 1-800-772-1213
Giaimo Federal Bldg., 150 Court St., 4TH Floor, New Haven, CT 06510 203 773-5201, 1-800-772-1213
5th Floor, Riverview Plaza, 24 Belden Ave. Norwalk, CT 06850 203 849-1911, 1-800-772-1213
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