As people with medical needs look for financial assistance, two words, Medicare and Medicaid, may come to mind. As Medicaid may be mistaken for Medicare, it is important to understand the distinctions of both programs.

Medicare is a program of the federal Department of Health and Human Services. It provides health insurance for people age 65 and over, certain younger disabled people, and people with kidney failure.

Medicaid, though federally aided, is a state-operated program that provides medical benefits for certain low-income persons. It is important to note that each state has its own rules and eligibility requirements. States that do not subscribe to Medicaid have their own Medicaid-type programs.

Coverage under Medicaid may include hospital care, visits to the doctor, X-rays, laboratory tests, and nursing home care. In some cases, Medicaid benefits may begin when Medicare coverage ends.

To find out about Medicaid, inquire at your local social service agency, or contact a hospital social worker.

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