If you have both Medicare and Medicaid, they work together for you.
Medicare pays first, and Medicaid pays last.
Medicare has two parts: Medicare Part A and Medicare Part B
Medicare Part A:
- Pays for skilled nursing care and hospital services.
- Pays for most of your hospital expenses.
Medicaid will pay most of the hospital bills that Medicare Part A
doesn't pay. You may be billed for a small amount, called "co-insurance."
You might also have to pay part of the deductible for inpatient hospital
Medicare Part B:
- Pays for visits to the doctor
- Pays for lab tests and X-rays.
Not everyone on Medicare has Part B. You have to pay a small amount
each month. Medicaid will pay this monthly charge for you. Let your DHS
county office know you have Medicare Part B so you won't be charged a
Medicare premium. Medicaid also pays most of the charges that Medicare
Part B will not pay. You may be billed for a small amount.
If you have health insurance and Medicaid:
- You must use your health insurance before Medicaid will pay.
- Medicaid does not pay co-payments to other insurance.
- Your doctor or other health care provider must bill your other
insurance before billing Medicaid.
- When you show your Medicaid ID card, you must also tell the doctor or
other health care provider the name of your other insurance company and
your insurance number. (You should have a card from your other insurance
company that has this information.)
- Medicaid might not pay anything after your insurance pays.
- Your doctor or health care provider can choose not to bill Medicaid.
Before you receive care, always ask if Medicaid will be billed.
Other times when Medicaid will not pay until someone else pays:
- If you are hurt in a car accident, Medicaid will not pay until your
car insurance or the other driver's car insurance has paid or denied
- If you are hurt on the job, Medicaid will not pay until workers' comp
has paid or denied payment.
- If you win a lawsuit because you got hurt or you get a cash settlement
from such a lawsuit, you must use the money to pay your bills. Medicaid
will only pay toward any amount left over.
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