Medicaid and Medicare: How Dual Coverage Works Together

Some people qualify for both Medicare and Medicaid simultaneously — known as dual eligibility. Medicaid can help pay Medicare premiums, deductibles, and copays. Losing Medicaid is a qualifying life event that can trigger a Special Enrollment Period for Medicare plan changes.

Key Rules

Losing Medicaid eligibility is a valid trigger for a Special Enrollment Period for Medicare Advantage and Part D changes
Dual-eligible individuals may qualify for the Medicare Savings Program to help pay Part B premiums
Medicare generally pays first for dual-eligible beneficiaries — Medicaid pays remaining costs second
Full dual-eligible individuals (full Medicaid) typically have ongoing Special Enrollment Period access year-round