Should I Enroll in Medicare If I Have Medicaid? Yes — Here Is Why

Yes. If you are eligible for Medicare and have Medicaid, you should enroll in Medicare. Medicaid is the payer of last resort and pays after Medicare — it does not replace Medicare. Medicare Savings Programs (such as QMB, SLMB, or QI) may pay your Part B premium and some cost-sharing, so your out-of-pocket cost may be lower.

When This Applies

  • You have Medicaid and are turning 65
  • You are dual eligible (Medicare and Medicaid)
  • You want to know if Medicaid covers you without Medicare
  • You need help paying Medicare premiums

Frequently Asked Questions

Will Medicaid pay my Part B premium?
If you qualify for QMB, SLMB, or QI through your state's Medicaid program, yes. Eligibility depends on income and resources.
Do I need Part D with Medicaid?
Yes. If you have Medicare, drug coverage shifts from Medicaid to Part D. You'll likely get Extra Help, covering most costs.
Can I see any provider?
With Medicare, you can see any Medicare-accepting provider — which is a much larger network than Medicaid alone.