Integrated Care Consultants can help you understand the                  

            complexities and application of the insurances coverage.

What is the difference between Medicare and Medicaid?                                     

• Medicare  (More detailed information see  http://www.medicare.gov)

            The Centers for Medicare & Medicaid Services (CMS) administers Medicare, the nation's largest health insurance  program,
            which covers nearly 40 million Americans.

            Medicare is a Health Insurance Program for people age 65 or older, some disabled people under age 65, and people of all 
            ages with End-Stage Renal Disease (permanent kidney failure treated with dialysis or a transplant).

            People who become newly entitled to Medicare should enroll during their initial enrollment period (as explained under
            Signing up for  Medicare).
             After the initial enrollment periods, the annual coordinated election period to enroll or make provider changes will be                                                                                     November 15 – December 31 each year. There also will be special enrollment periods for some situations.
            

o       Part A Medicare

        Hospital insurance (Part A) that helps pay for inpatient care in a hospital or skilled nursing facility (following a hospital

        hospital stay), some home health care and hospice care.

o       Part  B Medicare

        Medical insurance (Part B) that helps pay for doctors’ services and many other medical services and supplies  that are

        not  covered by hospital insurance.

o       Part  C Medicare

        Medicare Advantage (Part C) plans are available in many areas. People with Medicare Parts A and B can choose

        to receive all of their health care services through one of these provider organizations under Part C.

o       Part  D Medicare

        Prescription drug coverage (Part D) that helps pay for medications doctors prescribe for treatment.

•  Medicaid                                

              Medicaid is a program administered by each State individually and funded by a combination of Federal and State  revenue.                       

• Medicaid is a state-run program  that provides hospital and medical coverage for people with low income and little or no resources.
  
• Each state has its own rules about who is eligible and what is covered under Medicaid.
• Some people qualify for both Medicare and Medicaid.
  
• Medicaid information for Oregon is available at:   www.Oregon.gov/DHS/healthplan/tools_policy/stateplan.shtml 
  

•  Long Term Care Insurance

              Long term care insurance policies are purchased and paid for by individuals to cover health care needs not covered by Medicare

               or other health care policies.

              Information regarding these policies is available at:

                                www.longtermcare.gov/LTC/Main_Site/Paying_LTC/Private_Programs/LTC_Insurance/index.aspx

                                www.longtermcareinsurance.org/