Medicare vs. Medicaid: What’s the Difference?
Eligibility, Coverage, and How to Apply
Medicare and Medicaid are both government-run healthcare programs in the U.S., but they serve different groups of people and have different eligibility rules, costs, and benefits.
1. Key Differences Between Medicare and Medicaid
| Feature | Medicare | Medicaid |
|---|---|---|
| Who It Covers | Primarily seniors (65+) and some younger individuals with disabilities | Low-income individuals and families, regardless of age |
| Who Runs It | Federal government | Joint federal and state program (varies by state) |
| Income Requirement? | No income limit, but premiums may vary based on income | Strict income limits based on federal poverty guidelines |
| Coverage | Primarily hospital and medical insurance | Covers doctor visits, hospital stays, prescriptions, and sometimes long-term care |
| Cost to You | Monthly premiums, deductibles, and copays apply | Low or no cost, depending on income and state rules |
| Long-Term Care? | Limited coverage (mostly rehab care, not nursing homes) | Covers nursing home and home-based care |
| How to Apply | Social Security or Medicare website | State Medicaid office or healthcare.gov |
