Millions of low-income seniors relying on both Medicare and Medicaid now face increased hurdles in accessing financial assistance for their Medicare costs. This challenge is a direct result of the nationwide “Medicaid unwinding” process, which has eliminated a previously easier path to crucial support.
Millions of low-income seniors who rely on both Medicare and Medicaid are confronting increased hurdles in accessing financial assistance for their Medicare costs, a direct consequence of the nationwide “Medicaid unwinding” process. This shift has eliminated an “easier path” many previously had to receive crucial support for premiums, deductibles, and co-payments, potentially leaving vulnerable retirees with significant out-of-pocket expenses.
Loss of “Deemed Eligibility”
Historically, many individuals enrolled in Medicaid who were also eligible for Medicare were “deemed” eligible for Medicare Savings Programs (MSPs). These federal programs are designed to help cover Medicare Part A and B premiums, deductibles, copayments, and coinsurance for those with limited incomes and resources. For many, maintaining Medicaid eligibility automatically ensured they received these vital MSP benefits, simplifying access to comprehensive healthcare coverage and significantly reducing their financial burden.
Impact of Medicaid Redeterminations
The Public Health Emergency (PHE) protections that prevented states from disenrolling most Medicaid recipients during the COVID-19 pandemic ended in April 2023. Since then, states have been undertaking a massive redetermination process, reviewing the eligibility of all Medicaid beneficiaries. While this “unwinding” has led to millions losing their Medicaid coverage entirely, a significant subset includes “dual eligibles
