Posts filed under 'General-Medicare'
The question is a tough one to answer for many people who don’t know much about Medicare and Medicare supplement insurance. The very essence of the question is wrapped up in if you need it for financial reasons to lift the burden. The sad thing about trying to answer if you need Medicare supplement insurance or not is that it really depends on your situation, meaning that it is hard to answer from this far away.
Here is what you should consider, however, when trying to decide if you need Medicare supplement insurance.
- Is your main issue related to health covered by basic Medicare? If you have a condition that is not covered in regular doctor visits or by over-the-counter medication you should consider a supplement plan. This doesn’t mean that you have to have one, just that the possibility should be considered.
- How solid is your financial situation? If you feel comfortable about the amount of money you have saved then you shouldn’t even consider getting a Medicare supplement plan. Supplement plans are to protect you in the event of some unforeseen medical condition, but if you have the financial means to survive it you have nothing to worry about.
Situations that call for a ride in an ambulance can be terrifying to everyone involved from the individual being transported to all family and friends. Beyond the terror of the ride itself and what it means is the thought of how expensive the ride must be. These fears are well founded as ambulance transport can be very expensive. The question for Medicare subscribers becomes, will Medicare pay for ambulance transport?
Medicare’s exact quote on ambulance transport is that it is covered “only if transportation in any other vehicle could endanger your health.” This means if you can make it to the hospital without your condition deteriorating in a normal vehicle then you should do so. You, of course, always have the option of calling 911 to get this transport, but the expenses may come out of your pocket.
The important part of this to realize is that if you take an ambulance transport to your doctor’s office or a skilled nursing facility it will not be covered. If you take an ambulance home from the hospital or doctors office it will likely not be covered. Remember the line “only if transportation in any other vehicle could endanger your health.” It could be the difference in a lot of money to you.
Chiropractic services have come along way in the public eye in the recent decades to being a legitimately recognized medical practice. However, insurance companies still view the procedures largely the same and, in the case of Medicare, they almost deny claims altogether. So what does Medicare cover in the case of chiropractic services?
Manual manipulation for subluxation of the spine is the only chiropractic service that is covered by Medicare. For those of you uninitiated into medical terminology this means when one of your vertebrae moves out of place into the space of another. This causes a great deal of pain to the individual who is inflicted and can be treated by a chiropractor.
If you are told that a X-ray will be needed to diagnose this condition you should refrain from doing so if you are on Medicare. As an X-ray is not needed to diagnose a subluxation of the spine Medicare will not pay for it. If you have any other conditions that would require the use of a chiropractor it is recommended to petition your insurance company first.
There are situations in which you may be able to enroll in Medicare earlier than expected and in this case you will receive a notice about retroactive enrollment. This is a great opportunity to take advantage of the benefits that are available to you in everything, including prescription drug coverage or Medicare Part D. What happens when you are enrolled retroactively in Medicare Part D?
First, you will receive a notice from Medicare informing you that you are able to enroll early in the Medicare Part D coverage. Your “Notice of Medicare Entitlement” will be available for three months from the date of the letter. Once this three months is up you could face a penalty from Medicare for late enrollment if you enroll after the expiration.
So if you have any desire to enroll in Medicare Part D and you receive this letter you should be on the ball and not wait to enroll. Take your time to make sure you are getting the right benefits, but otherwise you should get it done as soon as possible. You don’t want to be facing the fees that come as a result of late enrollment in any kind of Medicare.
Enrollment in Medicare is a very important time for anyone as this is about being able to stay healthy and cared for. There are very specific rules for enrollment and when you are actually allowed to enroll, but there are always contingencies. One different situation that may arise is when you are allowed to enroll at an earlier date, or retroactive enrollment.
If you are allowed to enroll at an earlier date than your scheduled Medicare enrollment you will receive a letter from the Social Security Administration (SSA). This letter will give directly the date you became eligible and you may even receive a check. This check will be for your disability benefits and if you receive one you should contact the Social Security Administration ASAP.
This may cause a bit of a problem when you go to receive services as you will not have your benefits card yet. Don’t let this become a bigger problem than it really is, all you have to do is give your healthcare provider your information and let them submit it to Medicare. You will receive information from Medicare later on about this invoice.
This question on the surface is very difficult to answer because of all of the variables that are involved in the use of Medigap insurance. This type of insurance basically steps in to augment and improve the coverage that you already have for your health insurance. With Medigap policies there is much to remember, here are two key things you should keep in mind.
- You pay the private insurance company a monthly premium for your Medigap policy in addition to the monthly Part B premium that you pay to Medicare. Remember this when you are making your budget to live on each and ever month as many people forget. These two policies are completely separate and fulfill different purposes, don’t forget to remember both invoices when the time comes.
- A Medigap policy only covers one person. If you and your spouse both want Medigap coverage, you each will have to buy separate Medigap policies. This is very important to remember if you both have potentially stressful medical tendencies. Remember that your Medigap policy steps in to effect when your Medicare policy does not, so does your Medicare have room for both of you or just one?
The term “Medically Necessary strikes fear in the hearts of all that are a part of Medicare coverage across the country. Somebody, somewhere in some dark room decided that whatever you deem necessary to live a good life is not “Medically Necessary” so you are out of luck. Or are you? Consider the following ways to determine if something is “Medically Necessary” and if your situation qualifies:
- Are proper and needed for diagnosis, or treatment of your medical condition. This could be something that your doctor needs or that you need in the course of your medical condition.
- Are provided for the diagnosis, direct care, and treatment of your medical condition. Again the word “treatment” appears in the definition, this word is tricky because many things seem necessary treatment and maybe not “Medically Necessary.
- Meet the standards of good medical practice in the medical community of your local area. This term seems a bit askew because why would someone in another state or county be ok to use the services or procedures, but not you?
- Are not mainly for the convenience of you or your doctor. This is for a very obvious and simple reason as Medicare coverage wants to avoid paying for tools or services that could be a conflict of interest.
Anytime that you have a medical procedure done or appointment made you will have to issue a claim to Medicare to cover the cost. Like any of your Medicare benefits, all services that you have done on you are subject to approval for payment. So what do you do if you are denied payment for a service that has been performed on you or for you?
Once you receive the notice that the claim has been denied you will have all that you need to respond to the decision. This form, known as a Medicare Summary Notice (MSN) will have the information on it explaining how to issue your appeal. This first level appeal, also known as a redetermination, will determine whether or not you have to pay the demand.
It is possible to win an appeal and have your claim paid in the end, so don’t refrain from issuing an appeal just because you think it is impossible. Issue an appeal if you feel it is necessary and include all information that supports your contentions. Don’t simply take the first word on if your Medicare benefits will pay, follow up and appeal all questionable decisions.
Medicare enrollment is important for the same reasons as any other enrollment in health, auto or homeowners insurance, without enrolling you have nothing. There are two different kinds of Medicare enrollment that are important for different reasons and it is very important that you know the difference. Listed below are the two types of Medicare enrollment with description of each:
Initial Medicare Enrollment is the period that you have to enroll in Medicare Part B when you initially become eligible to do so. You have from three months before you turn 65 for a period of seven months to enroll in Medicare Part B or risk the consequences. If you do not enroll in Medicare Part B at this time you will have to pay a higher premium of 10% of the premium for every 12 month period you go without enrolling.
The General Medicare Enrollment period is from January 1st until March 31st every year and this presents your opportunity to enroll in your plan for the next year. This is very similar to what employees around the world due every year during open enrollment with their employers. Medicare General Enrollment is very important to the people who enroll as it is their opportunity to make good choices.
Healthcare Reform is a priority for the President. It has been a priority since before the election. It was one of the main issues that the President was elected for.
Medicare keeps getting mentioned as part of the Healthcare Reform package. One group says that the only way to save Medicare is to end Medicare as we know it and start a new type of Medicare. Another group says that the only way to save Medicare is to create higher co-pays (which seniors can hardly pay now), create higher premiums (that seniors can hardly pay now), or both, which seniors would have an impossible time paying especially having to pay both increases.
Other suggestions have been that spending in other areas should be cut back so that seniors – our most vulnerable citizens – can get the healthcare they need.
It is important to keep Medicare in tact to the extent possible. It is a lifeline for seniors and they need it more badly than most of the public – and possibly the lawmakers – realize. When I think about my grandmother who has several health problems – some of which are serious – I can’t imagine what would happen to her without Medicare. Even with Medicare and her Social Security she barely makes it through the month without a little help.
The President says that no matter what happens, Healthcare Reform will leave Medicare in tact and not take away the benefits that the seniors need. Let’s hope that at the end of the day when the arguing dies down and turns into a conversation and the conversation turns into positive communication which turns into forward motion, we will end up exceptional healthcare reform that works for most everyone, but especially helps seniors get as much out of Medicare as possible.
Some of the individuals in this debate that continues to rage really have nothing to worry about on a personal level. After all, they have the best healthcare coverage you can get and it comes with their position as a lawmaker.
Meanwhile, the rest of us are doing what we can to survive. If we are fortunate enough to have insurance at all, often have to worry about whether they have enough coverage or if their insurance covers certain things and how much you have to pay for those things – especially if you end up at the emergency room trying to take care of one of your babies.
Not that lawmakers should be without healthcare. It’s simply that it is time to stop trying to thwart the President, stop trying to stop any of the other parties and any of the other nonsense that they are constantly going through. How many times have we seen and heard that “things should be settled soon” and everyone should be just fine with their coverage.
It is obvious that there are some people who have their agenda which is to make sure that the President fails. The saddest part is that the President has some pretty good ideas – especially when it comes to balancing the budget and fixing the healthcare system. He is not perfect, but he has a vision. It seems that these individuals who want to thwart the President for their own personal reasons.
Therefore, instead of moving forward and settling this situation, they are unmovable and will not deal with individuals across the aisle. All it would take would be some folks from both sides and the middle to actually, truly and honestly communicate - not just talk over each other to make their point – but to help get this done well, done right, and finally, just done!
It’s time to get this done now. We have all been waiting for years, and now we are into the end of the first year, which is enough time. The people need help and cooperation to get this healthcare and Medicare situation taken care of, especially since the President has a few other things on his mind, like a few wars, the issues in Haiti not to mention a few issues regarding the people who happen to be the voters, as well.
Let’s hope that instead of trying to “one up” each other, lawmakers can actually get the more important things done, especially coming up with a fair healthcare and Medicare system that will help everyone in this country. If they are smart enough to cover some basic and preventative issues in the bill – especially because this is one of the things that will help people stay healthy and stay out of the emergency room and the hospital in general. Wow! What a way to save money. Help keep people stay healthier by making sure they have enough healthcare coverage to cover the smaller and preventative things so that there won’t end up becoming more expensive, larger, more serious – and more expensive – health issues.
Can we just get it together somehow and get it right – soon?
Most of us were glued to the T.V. last Wednesday night to see what the President had to say about numerous issues pressing the United States and pressing hard. Deficits. Multiple “military engagements”, in other words, wars, the economy, unemployment and creating new jobs, other major issues, and one of the most pressing issues, Healthcare Reform.
I – like many other people – listened to the State of the Union Address trying to find glimmers of hope. There were a few here and there, and the President, with his eloquence, his sense of humor, his passion and his straightforwardness had me – and the people with me drawn in to the address and helped hear the message.
Many of the things the President stated sounded like he was stating just to us – which is one of his gifts. He seemed to be trying very hard to firmly and graciously get his point across clearly in a manner where people would really hear what he had to say.
The President touched on numerous issues including health-
care. He talked about having to adjust taxes for the wealthy so that certain benefits – especially essential ones such Medicare coverage for seniors on limited incomes, frugal use of medicine to make it last longer – often putting their health in peril.
The President says that the taxes won’t go up so high that it creates problems for those with a little more who are being called upon to help subsidize healthcare for the most poor and vulnerable among us so that they have at least the very basics to keep them as healthy as possible.
The “State of the Union Address” is certainly not a solution to the problems that exist. It is more of an explanation and an expose as to what has happened during the past year and what is intended in the year to come.
It is hopeful that all parties and factions will work together in the months to come in an effort to bring some positive solutions so that we as a country are stronger and able to care for our people in the best, most fair and most positive way possible for everyone involved.
It used to be that doctors made house calls. This was essential because there were few doctors that were responsible for vast areas. People would send for the doctor if a person was sick, and there was nothing left to do but for the doctor to make a house call to help the patient.
As communication grew along with communities and towns house calls increased for a while, then decreased with the advent of medical centers and hospitals. There were still house calls, however, there were more and more people going to doctor’s offices, clinics and hospitals.
Then came the era of cities that had organizations and health departments, making the era of house calls nearly a thing of the past. There was one group, however, that still fared better with house calls. This group includes seniors and individuals with disabilities.
Many of these individuals have too many health issues to run back and forth to the doctor’s office. They are elderly and/or disabled. As a result, home health care has been the main means by which they are taken care of. They have nurses and other health practitioners come to their homes to address their health issues. These visits are covered by Medicare.
Lawmakers are now looking into home visits or good old-fashioned house visits to these same patients by their doctors. Some doctors are already providing house visits to their more elderly or sick patients because it is easier and better for the patient to be able to stay at home rather than use precious little energy to prepare for a visit to the doctor’s office and the accompanying travel.
There are house call programs in various parts of the country and many physicians are beginning to rally Congress toward funding house calls. The bonus to this is that it will keep many people out of the hospital – an extremely high expense – and it will provide them with personal, high quality care while saving Medicare millions of dollars.
Every year there are a few changes to Medicare that Medicare recipients should know about. With all the confusion about healthcare reform, the information for 2010 is as important as ever.
One of the things that will happen in 2010, unfortunately – but not totally unexpectedly – is that the Premiums for Medicare Part B will rise. Since income determines your premiums, if you are single and your income is less than $85,000 your premiums will go up from the 2009 figure of $96.40 to $110.50 per month in 2010.
It becomes a bit confusing when it comes to filing a joint tax return. If filing joint and your income is $170,000 or less, each beneficiary will pay $110.50 per month. The individuals who file a single return and whose income is between $85,000 to $170,000 will pay $154.70 per month. This is the same for those filing jointly whose income is between $170,000 and $214,000. If your information isn’t listed here, you can check with Centers for Medicare and Medicaid (CMS) or www.medicare.com, or in the Medicare and You booklet which has a chart explaining premiums.
As for Medicare part A and B there are also changes coming. Medicare Part A which covers hospital bills has a deductible that will go up from $1,068 in 2009 to $1,100 in 2010. It is important to be aware that this deductible applies to every hospital visit, so each time you are in the hospital, then out for 60 days and have to go in after the 60 days is up, you are charged with another deductible. If you go back into the hospital within the 60 days, you don’t get charged again for the deductible.
Part B covers medical expenses and will go up in 2010 from $135 per year to $155 per year.
If you have a Medigap policy, it is important to know that Part J will be discontinued as of June 2010. If you already have the policy, however, you can keep it and maintain it if you pay the premiums and keep the coverage in force.
Most likely Plan J will become very expensive – in fact, it will be more expensive than people can afford to pay – especially as they sign up for Medigap policies, which are much more affordable. As this happens more and more – less people using Part J because they go to Medigap or pass away – the rates for Part J will continue to rise, eventually making it too expensive for most seniors to enroll in. Plan J will eventually be eliminated along with Plans E, H and I.
If you have to get coverage, the minimum suggested is Plan C. In addition, if you need more coverage, 100 percent coverage is offered after basic Medicare through Plan F. Plan C and Plan F will continue to be available and the government will be adding Plans M and N. There is no information on the approximate cost or which states they will be available in.
Plan M will pay up to half of the deductible for Part A if you go into the hospital.
Regarding office visits, Plan N will have a co-payment of $20 per office visit and a sliding scale of up to $50 for emergency room visits. Plan K and L will also stay available, but offer benefits that are somewhat limited.
The various plans are created and offered by the federal government. The issue is that these plans are available, whether or not they are available in your state is up to the Insurance Commissioner in your state, so different states can have different plans available.
Regardless of any changes or proposed changes, your coverage will stay the same for a while. Medigap plans will not have changes until June 1, 2010, so you can purchase any of the plans available in your state until then.
During the past few months the frenzy about Medicare has heated up substantially, especially as lawmakers in Washington have passed a healthcare reform bill that will most likely include some changes to Medicare as a result.
Unfortunately, there are two things common when it comes to change: the people who have been complaining the loudest about what they have are the most upset when they think there could finally be changes – especially if the changes affect them; and many of the changes that have not been described in much detail or are confusing are assumed to be changes for the very, very worst, rather than the assumption that there might be changes for the better.
This is the situation with Medicare. There are naysayers, scaremongers and others out there that are creating a doomsday atmosphere for the 45 million individuals enrolled in Medicare, rather than allowing lawmakers to fill in the blanks, come up with revisions and a final bill and see what ends up happening.
After all, their children and grandchildren will be affected by these changes as well as everyone else. Though they are trying to fix the current situation which has run rampantly out of control for the past eight years, they are also trying to create and save a system so that there will be coverage that is viable and solid for future generations.
Many seniors have made it clear that though they would like to see more benefits or different benefits through Medicare, they are happy with what they have and grateful to have it. The main things they are unhappy with are the fact that premiums through private companies for Medicare Advantage are too high and that the infamous “donut hole” where coverage through these companies stops and an individual has to start paying their own bills to the tune of a couple of thousand dollars, are impossible for them to pay for.
It just so happens that some of the main things that seniors who are receiving Medicare benefits are worried about are the very things that lawmakers are trying hard to remedy. They are pushing insurance companies and working with Medicare itself to close the donut hole. They are also trying to limit what insurance companies can charge for Medicare Advantage.
There are always plusses and minuses when it comes to any program – whether it is a government program or a program through a private insurer. Regardless, most individuals on Medicare feel it is a good program that helps them get medical care that they otherwise could not afford. Let’s hope that lawmakers can shore the program up where it needs to be and at the same time work to save the budget.
Most people enroll in Medicare by the time they are age 65. They are advised to do so and in most cases, this is the best thing to do. And, in most cases, this is the right thing to do.
There are cases, however, when it is not necessary to sign up for Medicare at age 65. First of all, people start getting tons of junk mail and other mail advising – and even warning – that a person has to sign up for Medicare part A and B either three months before or three months after their 65th birthday or they would have to pay a great deal more later.
First of all, a person is automatically enrolled in Medicare Part A when they are 65. If a person delays getting Part B, they could end up having to pay a 10% penalty when they finally do sign up.There are exceptions, however. The main exception is that if a person works past 65, and has medical insurance through their work. If the person is in this situation, the Social Security Administration (SSA) allows a special enrollment period for the individual to be able to sign up for Medicare Part B.
This special period allows an individual to wait to enroll in Medicare Part B and not be assessed the extra 10% penalty for registering later than normal. The way this special period works is that the person can sign up for Medicare part B
during the month after they are no longer at their job or during the eight months after their medical coverage from their former employer ended. Whichever of these happens first is the time when the person needs to apply for Medicare Part B and not have to pay the penalty.
It is important that a person make sure that if they are age 65 and they are covered by their employer’s insurance, they need to do some research to be sure that the insurance – which is through a private insurance company – will work with Medicare. There are a lot of private insurance companies that will work with Medicare to make sure that the individuals stay covered without gaps. It is essential to determine if there is a good blend because if not, you could be left vulnerable without appropriate and adequate coverage.
So, if you are getting close to age 65 and you are not working or covered by other employer coverage, it is important to check into enrollment in Medicare to determine if, when and how you should enroll in Medicare Part B.
For more information you can contact the Social Security Administration at www.socialsecurity.gov or www.medicare.gov.
Millions of people depend upon Medicare to provide coverage to care for their illnesses and ailments. With over 45 million people covered by Medicare, there is a big price tag that comes with all of the treatments to help Medicare recipients. Close to 40% of the individuals covered by Medicare are dealing with ongoing illness – most of these individuals suffer from multiple illnesses and have to be treated for all of these.
In 2009 alone, Medicare will have paid out nearly $475 billion in benefits. Unfortunately, many of these benefits are paid out for emergency care, or care that is necessary because individuals have not had continuous care for growing health problems such as diabetes, cardiovascular issues, high blood pressure and more. As a result, the price tag for care is much higher than it would be if individuals had been seeing their doctor continually – especially for preventive care.
Most of the costs that Medicare pays out have to do with the individuals who are obviously the sickest. Then come the ones who have been seeing their doctors on and off for their problems. Often these problems get worse because they only see their doctors when there are flare ups.
Doctors, healthcare professionals and others – even lawmakers – are focusing more on prevention these days. It is no secret – and there have been numerous studies showing – that if a person is treated for a health condition and then helped to prevent it from getting worse or if a person is diagnosed early the costs for prevention and/or subsequent maintenance rather than extreme treatment go down substantially.
If there was more of an emphasis on prevention and wellness, Medicare would have to pay out much less than the over $475 million per year that is being paid out right now – especially this year in 2009.
It’s time for everyone in the equation – from doctors, to patients to lawmakers – started to focus on prevention and wellness. Perhaps that would end the discussion about severely cutting back of even ending Medicare, because there would be enough money to fund the program without dealing with many of the financial issues we are dealing with now.
Every year, seniors throughout the country get to the open enrollment period – a time when they can review, adjust, renew or change their Medicare coverage. It is also a time when many more seniors sign up for Medicare for the first time.
In many cases, seniors have important questions regarding their coverage and need to find the answers. Where do they go to get these questions? There are a lot of places.
Most of the places you can go are right in your own community. No matter where you live, most towns, cities and counties have a senior center and at this time of year, your town – or one close to you will be providing information through meetings and workshops as well as one-on-one meetings in some cases.
Especially during this time of year – between now and the end of the year – you should be able to find various meetings because of this all-important open enrolment period. This is not just to help seniors who are looking at their current coverage, but also for helping individuals new to Medicare – who will be enrolling for the first time.
The meetings regarding Medicare are generally free, offer a talk providing general information, offer time for answers to questions, and also have individuals and printed information available to help people understand what Medicare has to offer and how to understand how it works. Because there are some states that have over 40 plans and there are income limits that can change from year to year, the information available is essential.
Every year there is a flurry of meetings and information at this time of year. Your local newspaper, senior center, Social Security Office, Healthcare Services Office and Office on Aging should all have information regarding dates and times of any meetings being offered to help Medicare recipients understand their current coverage, review or adjust/change it or enroll in Medicare if this is your first time.
If you need information, find out where there are meetings right away, since open enrollment ends on December 31st, and your Medicare coverage starts over on January 1, 2010. If you can’t find a meeting or a workshop close enough to where you live, you can get information from Medicare at cms.gov or medicare.gov. In addition, you can call Medicare at 1-800-772-1213.
Individuals receiving Medicare benefits have a lot of information to go through. If you have never enrolled in Medicare and are just about to do so for the first time, you too have a lot of questions to answer and need information that will help you answer those questions.
One of the most important tools available is a handbook put out through the federal government called “Medicare and You 2009” and “Medicare and You 2010”.
It may seem that you may not need the 2009 handbook, but if you are a current Medicare recipient, having the 2009 book and the 2010 book will allow you to see the differences coming your way. It is important to do these comparisons and do as much research right now as possible, since this is open enrollment period until December 31st.
If you have not received your “Medicare and You” handbook for 2009 or 2010 there is still time to get them and it is easy, quick and free. You can contact Medicare at medicare.gov of cms.gov. The phone number to call is 1-800-772-1213 and you can order either or both of these by phone. You can also CLICK HERE NOW TO DOWNLOAD the book to your computer for free.
You will be asked your name and whatever address you want these handbooks mailed to, but you should not have to give much more information. In addition, both online and over the phone, you can get some basic questions answered and order any forms that you need.
You can join Medicare every year between November 15th and December 31st, and you can make any changes to your existing coverage. After December 31st your new coverage becomes effective on January 1st each year.
There are other sources of information in most areas of the country. Wherever you live, you can get information through your doctor, health department, department of aging, senior center or other healthcare or senior organizations.
Take the confusion out of Medicare coverage. Get your handbook today. Click here now to download your copy!
HIV testing is an important issue. There are many people walking around with the HIV virus that are not aware that they could be infected and could possibly infect others.
Most people think of HIV as being the result of unprotected sex and/or drug use with unclean needles. This is not always the case. There are many cases of HIV that are caused by blood transfusions and other heath procedures or issues.
Unfortunately, too many people think of individuals who are infected with HIV as having done something wrong, living an immoral life or stereotype them as poor, uneducated or even homeless.
This is not the case in most situations. Regardless of what the situation is, the important point is that if a person is infected with HIV – or possibly infected – they need to be tested, at least as a starting point. The problem has been that individuals who do not have a lot of money cannot always afford to get tested. In addition, they may not be able to find medical help that they need to perform the test or to give results or treatment.
Now the Centers for Medicare and Medicaid Services (CMS) has stated that they will now begin immediately providing HIV testing for Medicaid and Medicare recipients. This is an extremely essential issue since most of the individuals covered by Medicare and/or Medicaid are in a low income situation and could use help when it comes to many of the basics in life and/or services that Medicare and Medicaid provides.
If you have been holding back from getting an HIV test and you are covered by Medicare and Medicaid, find out where you can get tested at medicare.gov or cms.gov.
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