Navigating health coverage can feel overwhelming, especially if you are uninsured, underinsured, or currently experiencing hardship. Medicaid and Medicare are programs that can help cover essential health services if you qualify. This guide will walk you through how to apply for each program in New York State, with practical steps and resources to get started.
Medicaid
Who Qualifies:
- Low-income individuals and families.
- Pregnant people.
- Children under 19.
- Adults under 65 meeting income requirements.
- Seniors (65+) or individuals with disabilities.
Steps to Apply:
- Check Eligibility: Use the NY State of Health website to see if you qualify.
- Gather Documents: Proof of income, Social Security number, proof of residency, and immigration/citizenship documents (if applicable).
- Apply Online or In-Person:
- Online at nystateofhealth.ny.gov.
- By phone at 1-855-355-5777.
- In person at a local Department of Social Services office.
- Wait for Approval: You will receive a notice in the mail once your application has been processed.
Helpful Tip: Medicaid also offers transportation benefits for medical appointments. Ask your caseworker how to access this service.
Medicare
Who Qualifies:
- People 65 or older.
- People under 65 with certain disabilities.
- People with End-Stage Renal Disease (ESRD).
Steps to Apply:
- Check Eligibility: Visit the Social Security website for detailed requirements.
- Prepare Documents: Birth certificate, proof of U.S. citizenship or residency, and tax information if applying for income-based assistance.
- Apply:
- Online at ssa.gov/medicare.
- By phone at 1-800-772-1213.
- In person at your local Social Security office.
- Choose Coverage Options: Medicare has several parts:
- Part A: Hospital coverage.
- Part B: Medical services.
- Part D: Prescription drug coverage.
- Medicare Advantage (Part C): A bundled option from private insurers.
Helpful Tip: If you are low-income, you may qualify for programs that help pay Medicare premiums, deductibles, and copayments.
Local Help on Long Island
- Nassau County Department of Social Services: (516) 227-8519
- Suffolk County Department of Social Services: (631) 854-9936
- Health & Welfare Council of Long Island: (516) 483-1110 – offers free enrollment assistance.
Key Takeaway
Applying for Medicaid or Medicare doesn’t have to be stressful. With the right documents and support, you can get access to the healthcare you need. If you’re unsure where to begin, reach out to your county’s Department of Social Services or a trusted community resource like The Bridge for guidance.