Senior Aid Finder Guide

Medicare and Medicaid Together: What ‘Dual Eligible’ Means

Reviewed August 27, 2026 · Independent informational service

A person who qualifies for both Medicare and Medicaid is often called ‘dual eligible.’ The phrase can sound like one combined insurance plan, but Medicare and Medicaid remain separate programs with different rules.

Medicare is generally primary

For services both programs cover, Medicare generally pays first and Medicaid may help with remaining costs according to state rules and the person’s Medicaid coverage.

Medicaid varies by state

Medicaid eligibility and benefits are administered by states within federal rules. This is why a neighbor in another state may have a different experience even with similar income.

Prescription assistance

People with Medicaid and Medicare generally receive Extra Help with Medicare drug costs. Medicare Savings Programs can also help eligible beneficiaries with Medicare premiums and other costs.

Ask what level of Medicaid you have

Not every Medicaid beneficiary has identical coverage. When speaking with the state, ask what category of Medicaid you receive and what Medicare cost-sharing it covers.