Medicare health plans that lower costs

You can join this type of plan if all of these apply to you:

• Have Medicare.
• Get full Medicaid benefits.
• Meet other criteria your state sets.

If you have both Medicare and Medicaid:

• Your state might automatically enroll you in their Medicare-Medicaid Plan.
• You can pick a different Medicare plan if you don’t want to stay in the Medicare-Medicaid Plan.

Contact your State Medical Assistance (Medicaid) office for more information.

These plans:

• Help coordinate your Medicare and Medicaid benefits to make it easier for you to get services.
• Are only available in some states.
• Include Medicare drug coverage (Part D).

Learn more about Medicaid.

You can join this type of Medicare Advantage Plan if one is available in your area and any of these apply to you:

• Have both Medicare and Medicaid.
• Need long-term care in a facility or at home.
• Have a chronic or disabling condition (like diabetes, stroke, cancer, or dementia).

These plans:

• Tailor their benefits, provider network, and drug formularies to the needs of the specific group they serve.
• Include Medicare drug coverage (Part D) .

Learn more about Special Needs Plans.

You can join a PACE Plan if you:

• Have Medicare, Medicaid, or both.
• Are 55 or older.
• Live in the service area of a PACE organization.
• Need nursing home-level care (as certified by your state).
• Are able to live safely in the community (with help from PACE).

These plans:

• Are only available in some states.
• Include Medicare drug coverage (Part D).
• Never charge a deductible or copayment for any drug, service, or care your PACE health care team approves.

Learn more about PACE plans.