You may find that when you're enrolled in Medicare that you need additional assistance with the cost of healthcare. You cannot afford premiums or expanded packages that would allow you access to the treatments needed. With a limited income/assets you may be eligible for Medicaid on top of Medicare, which makes you dual-eligible. If you are in this situation there are two routes you can take.
In New Jersey, there are a number of options available depending on the county you live in. With Dual Special Needs Plans you have one card, one payer, one insurance, no juggling, no fuss.
If you're already dual-eligible as a New Jersey resident, it doesn't hurt to look into a D-SNP plan. Dual-eligibility is dependent on already being on Medicare and Medicaid. To be eligible for Medicare, you need to be:
Medicaid is healthcare that goes to people who cannot otherwise afford insurance. To be eligible for Medicaid in New Jersey, you need to be:
If you are enrolled in both Medicare and Medicaid, then a Dual plan could be the next step to simplifying your access to healthcare.
If you are enrolled in a Dual Special Needs Plan, you should keep your Medicare and Medicaid cards, however you use your Dual Special Needs Card at the doctor, hospital, and pharmacy instead of the other cards. A Dual Special Needs Plan includes all the member benefits you would normally enjoy under Medicare and Medicaid separately.
It also involves:
Most of your Dual Special Needs Plan care options will be paid for through the Medicare side of things, but some services are exclusively Medicaid services, such as dental, vision, hearing, and in-residence care, just to name a few.
Do you have questions or concerns about your dual-eligible benefits and care? Do you want to look into a dual-eligible plan to handle your Medicare and Medicaid? Consider speaking with an expert first, so you have everything in order. New Jersey Medicare Brokers are unbiased, informed advisors who can find any information you need to move forward with confidence.