How to Escape Medicare Fees

Artwork: Robin Mead

If you are on Medicare, you may be charged co-pays for medical visits, plus your Social Security check may be lowered by about $100 per month to pay premiums.

Good news! You may have some options to escape all this.

Option #1

Get Medicaid also. This is the best option, since it will usually pay all your co-pays and premiums, plus give you some additional services and benefits. Some states will allow you to have both Medicaid and Medicare.

Option #2

Try Medicaid again. Many, many people get turned down for Medicaid because of mistakes or misinformation or because they applied for the wrong Medicaid program.

There are several different medicaid programs you can try. If you are having trouble qualifying for Medicaid, check out: Many Different Medicaid Programs You Can Apply For. 

Some people just call Medicaid and get told they are not eligible and give up! Don’t do that. How to Respond When You Are Told You Can’t Get Medicaid. Instead, be like Pansy! Pansy is on Medicare and SSDI. She was repeatedly told she could not get Medicaid, but she didn’t listen. How Pansy Got on Medicaid By Being Smart, Scrappy & Persistent

Option #3

Sign up for a Medicare Savings Program. This is the second best option, since this will pay for all your premiums. It may also pay your deductibles and co-pays. Don’t get scared off by Medicare website, which, oddly, does not include the correct information about the financial criteria for all states. Instead, check out this actually accurate guide to Medicare Savings.

Option #4

If you have high medical costs, you may be eligible to get into a medicaid through a Medicaid spend down or buy in program. These programs vary by state.

Option #5

If one and two and three and four don’t work, you can look into:

Learn More

Many people report that the SHIP program was helpful to them in figuring out the best Medicare plan to use. The SHIP program will not know about and will not tell you about Medicaid regulations and many of the programs listed on this page, but they may be able to help you navigate Medicare in general.


2 thoughts on “How to Escape Medicare Fees”

  1. This page has been so very helpful. Do you have any plans on expanding your Medicare section? Assistance for finding affordable secondary insurance plans if Medicaid only covers the Part B premium and navigating the rest of what Medicare covers?


    1. Hi Gigi,

      So glad it helped. I do not know more about Medicare plans, but I’ve met people who said calling a SHIP counselor was very helpful with figuring out this kind of thing ❤


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