Medicare Dual Plans are Special Needs Plans specifically for individuals that have both Medicare and Medicaid. Remember, Medicare is a Federal program where as Medicaid is a State program administered at the State level and called by different names depending upon the State. Dual Plans generally enhance Medicaid benefits by adding things like-
Over-The- Counter– Benefits– The beneficiary receives an allowance paid monthly/quarterly for over the counter items at the pharmacy.
Enhanced Dental Benefits
Enhanced Transportation options
And, Depending upon the Level of Medicaid–
$0 Copays at the Doctor, in the Hospital and for tests
Plus, Reimbursement of your $174.70 Part B Premium.
Medicaid is picking up your Medicare cost share. But, here are some things to consider-
–Not all doctors take Medicaid. Once on a plan you will have to use the doctors in that plans network.
–Medicaid is Income based. There are different levels of Medicaid so not all Medicaid Beneficiaries will qualify for all of the Benefits.
Mike Miligi- Owner- Michael M Insurance Services
For over 10 years Mike has been assisting Seniors and other Medicare eligible individuals understand the ins and outs of Medicare and Medicare Health Insurance options including Medicare Advantage Plans(Part C), Medicare Supplement Plans(Medigap), Prescription Drug Plans(PartD) and Dental and Vision programs.
Mike is Licensed in 7 States and Certified with 11 Insurance Carriers and has helped thousands of individuals decide on the best course of action for their particular Health Insurance needs. Because Mike is an Independent Medicare Health Insurance Broker, he works for the client not the Insurance Carriers and is able to provide his clients with accurate and unbiased Health Insurance options.
