Who Qualifies for Both Medicare and Medicaid (Dual Eligibility)
Dual eligibility means qualifying for both Medicare and Medicaid. Here’s the difference between full and partial duals, and the Medicare Savings Program levels in between.
By Boris Sorto, Healthcare Advocate · Updated August 26, 2026
Being dual eligible means you qualify for both Medicare and Medicaid at the same time, based on limited income and resources. Medicaid then helps cover some or all of what Medicare doesn’t (premiums, deductibles, and coinsurance), depending on which of several qualifying levels you fall into.
Full vs. partial duals
Full duals qualify for complete Medicaid benefits in their state in addition to Medicare. Partial duals don’t qualify for full Medicaid benefits, but do qualify for one of the Medicare Savings Programs below, which help with specific Medicare costs.
Medicare Savings Program levels
| Program | What it covers |
|---|---|
| QMB (Qualified Medicare Beneficiary) | Part A & B premiums, deductibles, coinsurance, and copays |
| SLMB (Specified Low-Income Medicare Beneficiary) | Part B premium only |
| QI (Qualifying Individual) | Part B premium only, for slightly higher incomes than SLMB |
Exact income limits vary by state and change annually. Your state Medicaid office has the current figures.
Think you might qualify? A Medicare Annual Checkup includes a look at whether a Medicare Savings Program applies to your situation.
Frequently asked questions
How do I apply for Medicaid as a Medicare beneficiary?
Through your state Medicaid agency. The application process and income limits vary by state, so check your specific state’s Medicaid office rather than a national figure.
Does being dual eligible change my Medicare coverage?
Your Medicare coverage stays the same. Medicaid works alongside it to cover costs Medicare doesn’t, like premiums, deductibles, and coinsurance, depending on your specific program level.
Written by Boris Sorto
Bilingual Healthcare Advocate, formerly with Humana’s Medicare operations. More about Boris →