Many Ohio residents confuse Medicare and Medicaid—but they serve different purposes. Understanding the difference can help you apply for the right program and avoid delays.

What Is Medicare?

Medicare is a federal health insurance program primarily for:

• Individuals age 65 and older
• People with certain disabilities
• Individuals with End-Stage Renal Disease

Medicare includes:

• Part A (Hospital Insurance)
• Part B (Medical Insurance)
• Part C (Medicare Advantage)
• Part D (Prescription Drug Coverage)

What Is Medicaid?

Medicaid is income-based and administered by the state of Ohio. It covers healthcare services Medicare may not fully cover, including long-term care.

Can You Have Both?

Yes. Some individuals qualify for Medicare and Medicaid—known as dual eligibility. Medicaid may help cover Medicare premiums, copays, and deductibles.

How to Apply for Medicare in Ohio

• Apply online through Social Security
• Apply by phone with Social Security
• Visit a local Social Security office

How to Apply for Medicaid in Ohio

Apply through Ohio Benefits or your county JFS office.

Which One Should You Apply For?

• 65 or older? Start with Medicare.
• Low income or need long-term care? Apply for Medicaid.
• Qualify for both? Apply for both programs.

Conclusion

Understanding Medicare and Medicaid in Ohio helps you access the right care while reducing out-of-pocket costs.