One of the most confusing, yet important, things about aging are what health benefits you may have access to. There are many rumors about how one set of coverage may affect or deny you access to another set of coverage. Most of them are false. The fact is that even if you are currently covered by Medicare, your own health insurance plan, or carry supplemental insurance it does not stop you from having access to Medicaid Benefits.
Health Insurance and Medicare
As more seniors are continuing to work past the age of retirement, they may still be carrying health insurance based on their employers plan. Even if you are no longer working, you probably enrolled for Medicare and also carry a supplemental health insurance plan as well. Neither of these situations will preclude you from filing for Medicaid benefits.
Medicare and private health insurance cover most of your everyday medical costs. They also cover surgery and other more serious issues. What they do not cover is long term care costs. That is when it falls to Medicaid who is the payer of last resort.
Medicaid Helps with Long Term Care Costs
Since your Medicaid or private health insurance typically will not deal with the costs involved in long term care, the job falls on Medicaid. Fortunately filing for Medicaid will not have any effect on your health care insurance. Nor will your health insurance coverage have any effect on your ability to apply for Medicaid should you need the benefits.
Trust Stano Law Group to Help
If you or an elderly loved one need assistance in navigating through applying for Medicaid benefits while still having private insurance or Medicare, contact the experts at Stano Law group. We can help ensure that you get all the help you need.