Understanding the difference between Medicaid and Medicare is crucial when exploring family caregiver programs. Many people confuse these two programs, but they serve very different purposes—and only one of them qualifies you for paid family caregiver programs.
See If You Qualify to Get Paid as a Family Caregiver
Eligibility varies by state. Check your options in minutes.
Check EligibilityMedicare: Federal Health Insurance
Medicare is a federal health insurance program primarily for people 65 and older, regardless of income. It also covers some younger people with disabilities.
Medicare Covers:
- Hospital stays (Part A)
- Doctor visits (Part B)
- Prescription drugs (Part D)
- Short-term skilled nursing care
Important: Medicare Alone Does NOT Qualify You
Medicare does not cover long-term personal care services. If you only have Medicare, you cannot participate in paid family caregiver programs.
Medicaid: State-Based Assistance
Medicaid is a joint federal and state program that provides health coverage to people with limited income and resources. Each state runs its own Medicaid program within federal guidelines.
Why Medicaid Matters for Family Caregiving
Medicaid is the key to paid family caregiver programs. These programs are funded through Medicaid waivers that allow states to pay family members for providing care.
Key Differences at a Glance
Medicare
- Federal program
- Based on age (65+) or disability
- Not income-based
- Covers medical care only
- No family caregiver option
Medicaid
- State-administered
- Based on financial need
- Income and asset limits apply
- Covers long-term care
- Enables family caregiver programs
Dual Eligibility: Having Both
Many seniors qualify for both Medicare and Medicaid—this is called "dual eligibility." If you're dual eligible, you get the best of both worlds:
- Medicare covers your medical and hospital expenses
- Medicaid covers long-term care and can pay family caregivers
How to Check Your Eligibility
Check Your Current Coverage
Look at your insurance cards. Medicaid cards are usually issued by your state.
Contact Your State Medicaid Office
If you're unsure, your state's Medicaid office can confirm your enrollment status.
Apply for Medicaid If Needed
If you don't have Medicaid but think you might qualify, we can help you apply.
See If You Qualify to Get Paid as a Family Caregiver
Eligibility varies by state. Check your options in minutes.
Check Eligibility