Medicare vs. Medicaid: What’s the Difference & How a Senior Living Advisor Can Help

When planning for senior care, one of the most common sources of confusion is the difference between Medicare and Medicaid. Though they sound similar, they serve very different purposes—especially when it comes to long-term care.

At Family Ties Senior Placement Services, we believe informed families make confident decisions. Let’s break down the basics and explore how a Senior Living Advisor can guide you toward the right care—especially when Medicaid comes into play.

Medicare: What It Covers (and What It Doesn’t)

Medicare is a federal health insurance program available to:

• Adults aged 65 and older

• Individuals under 65 with certain disabilities

Medicare covers:

• Hospital care (Part A)

• Outpatient medical services (Part B)

• Prescription drugs (Part D)

However, Medicare does NOT cover long-term care in assisted living or memory care communities. It may pay for short-term rehab stays after a hospital visit, but once that stay ends, families are often left searching for new options.

Medicaid: A Lifeline for Long-Term Care

Medicaid is a state and federally funded program that helps individuals with limited income and resources. It’s often the solution for long-term care when private funds run out.

Depending on the state, Medicaid can help pay for:

• Long-term care in nursing homes

• Some in-home care services

• Certain assisted living and memory care communities that accept Medicaid

And here’s a surprising but important fact:

Nearly 70% of seniors—or their spouses—will use Medicaid at some point in their care journey.

That means planning for Medicaid eligibility isn’t just important—it’s essential.

Why a Senior Living Advisor Matters

Navigating the ins and outs of Medicaid is complex and time-consuming. A Senior Living Advisor from Family Ties can make all the difference by:

• Explaining the qualification process and income limits

• Connecting you with professionals who assist with Medicaid applications

• Recommending Medicaid-friendly communities that match your loved one’s care needs

• Offering emotional support, guidance, and advocacy every step of the way

We know that choosing a care community is about more than budgets and benefits—it’s about peace of mind, safety, and quality of life.

We’re Here to Help

Whether your loved one needs care now or you’re planning for the future, we’re here to walk with you. Our services are always free to families, and our passion is helping you find a place your loved one can call home.

Contact Family Ties Senior Placement Services today to schedule a no-cost consultation.

Together, we’ll find the right care and the right path—Medicare, Medicaid, and beyond.