Health Benefits

Who It’s For:

• Primarily for people 65 and older.
   
• Also for some younger people with disabilities or end-stage renal disease (ESRD).
   

Main Benefits:

• Hospital Coverage (Part A): Inpatient hospital stays, hospice, skilled nursing facility.
   
• Medical Coverage (Part B): Doctor visits, outpatient care, lab tests, preventive services.
   
• Prescription Drug Coverage (Part D): Helps pay for medications.
   
• Optional Advantage Plans (Part C): Combines Part A & B, and often includes dental, vision, and hearing through private plans.
   

Key Points:

• Federal program – same benefits across all states.
   
• You may pay premiums, deductibles, and coinsurance.
   
• Not income-based (eligibility based on age/disability).

Who It’s For:

• People of any age with low income, including families, children, pregnant women, seniors, and people with disabilities.
   

Main Benefits:

• Hospital and doctor visits
   
• Long-term care (nursing homes, home health)
   
• Dental, vision, and hearing services
   
• Prescription drugs
   
• Transportation to medical appointments
   
• Mental health and substance use treatment
   

Key Points:

• Joint federal and state program, so benefits and eligibility vary by state.
   
• Often no premiums and minimal out-of-pocket costs.
   
• Includes many services that Medicare doesn’t cover fully (like long-term care).