I will turn 65 in June 2026 and currently receive SSI and Medicaid. Will I automatically get Medicare, can I keep both Medicare and Medicaid, do I qualify for QMB due to low income, and why am I receiving so many application notices?

Question

Lt Col Tim Brown · Accepted Answer

Medicaid has different levels.  QMB, QMB+, SLMB, LIS.   You qualify where the government says.  So Medicaid is any of those afore mentioned. As to the why? Sounds like it could be marketing.

Ann Sanfelippo · Answer

Because you receive SSI, you will typically be automatically enrolled in Medicare Parts A and B starting June 1, 2026. You can keep both Medicare and Medicaid, making you “dual eligible,” and Medicaid can help cover premiums and cost-sharing. If your income and assets remain low, you will likely qualify for QMB, which pays your Part B premium and protects you from Medicare cost-sharing. The multiple notices are normal and come from both the Social Security Administration and your state Medicaid office as they coordinate your transition at age 65. They send repeated letters to prevent coverage gaps and confirm eligibility details.

Answered by Ann Sanfelippo on March 2, 2026

Broker Licensed in FL, AL, AZ & 14 other states

Answered by Ann Sanfelippo Medicare Insurance Agent

Jacqueline Proffit · Answer

1. Automatic Enrollment in Medicare
Because you receive Supplemental Security Income (SSI), your enrollment in Medicare is generally automatic when you turn 65.

When it starts: Your Medicare Part A (Hospital Insurance) and Part B (Medical Insurance) will begin on the first day of the month you turn 65 (June 1, 2026).

What to expect: The Social Security Administration (SSA) will automatically enroll you, and you should receive your red, white, and blue Medicare card in the mail about 3 months before your 65th birthday.

2. Keeping Both Medicare and Medicaid (Dual Eligibility)
Yes, you can absolutely keep both. Individuals who qualify for both programs are known as "dual eligibles." * How they work together: Medicare will become your primary insurance (paying first for your medical care), and Medicaid will act as your secondary insurance, covering costs that Medicare leaves behind, such as deductibles, copays, and coinsurance.

Prescription Drugs: Once you have Medicare, your prescription drug coverage will shift from Medicaid to a Medicare Part D plan. Because you have SSI and Medicaid, you will automatically qualify for Extra Help, a federal program that helps pay for your Part D premiums, deductibles, and lowers your medication copays.

3. Qualifying for the Qualified Medicare Beneficiary (QMB) Program
Since you are already receiving SSI and Medicaid, it is highly likely that you will automatically qualify for a Medicare Savings Program (MSP), specifically the Qualified Medicare Beneficiary (QMB) program.

What QMB does: The QMB program is a state Medicaid program that pays for your Medicare Part B monthly premiums. It also legally prohibits doctors and providers who accept Medicare from billing you for Medicare-covered deductibles, copayments, and coinsurance.

The Process: In many states, if you already have full Medicaid and SSI, you are automatically transitioned into the QMB category when Medicare starts.

Marsha Reiniers · Answer

If you are already receiving Social Security benefits, you will automatically be enrolled in Medicare A and B and will receive your Medicare ID card prior to your birthday month. Medicaid makes the deetermination about your status, and people who are elgible for both Medicare and Medicaid can choose to enroll in a Dual Special Needs (DSNP) Medicare plan. I would highly encourage you to talk to a licensed insurance agent who is very familiar with the various plan options that will be available to you based on your status, to make sure you choose the plan that works best for you.

Answered by Marsha Reiniers on March 2, 2026

Agent Licensed in FL, GA, MI & NC, PA, SC & VA

Answered by Marsha Reiniers Medicare Insurance Agent

Steve Adlman · Answer

A person on SSI is normally not entitled to Medicare when they turn 65. A person receives SSI because they did not have sufficient work credits to qualify for SSDI (Social Security Disability Income). SSDI comes with Medicare and sometimes Medicaid depending on the persons income.

Answered by Steve Adlman on June 1, 2026

Broker Licensed in AL

Answered by Steve Adlman Medicare Insurance Agent

Rose Cahill · Answer

Since you currently receive SSI, you should receive your Medicare Card with active A&B dates automatically when you turn 65. 
When you turn 65, MassHealth in MA (Medicaid) requires you to reapply for Medicaid using a Senior Form. In Massachusetts, you must do this in order to re-qualify for Medicaid assistance. Be sure to check with Medicaid in your State for specific state requirements. Don't automatically assume it will rollover.

Charles Calvin · Answer

If you are currently receiving Social Security benefits, you should be automatically enrolled into Medicare A & B sometime in March. Not only can you have both Medicare and Medicaid, in some cases, the combination of the two will allow you to enroll in a Dual Special Needs Plan. Your level of Medicaid will dictate eligibility for such a plan, and that can be determined by either calling your Medicaid case worker, or sometimes we have software programs that can retrieve that information.

Answered by Charles Calvin on February 27, 2026

Broker Licensed in MO, FL, IA, IL, KY & SC

Answered by Charles Calvin Medicare Insurance Agent

Jaime Valadez · Answer

I would recommend that you contact them because you should have received your new medicare card showing the effective dates for Part A and Part B. Yes you keep both Medicare and Medicaid, but there is plans that are tailored to both of those. Connecting with a local broker would be a big help.

Answered by Jaime Valadez on May 19, 2026

Broker Licensed in IL & IN

Answered by Jaime Valadez Medicare Insurance Agent

Angela Erickson · Answer

You will need to contact Social Security to sign up for Medicare and you will also need to complete a recertification through Medicaid to verify your eligibility. If you are eligible for Medicare and Medicaid, you will be considered dual eligible and can enroll in a special needs Medicare Advantage plan. These plans offer additional benefits such as vision, dental and monthly nonmedical benefits.

Answered by Angela Erickson on May 26, 2026

Broker Licensed in PA & MD

Answered by Angela Erickson Medicare Insurance Agent

Alan &quot;AL&quot; Minthorn · Answer

I would identify and work with your local SHIP office, (SHINE, Agency on Aging, ServiceLink, and other names depending on state), to make sure your transition processes correctly. As states administer Medicaid benefits, not all enjoy thorough processing during transitions.

Answered by Alan "AL" Minthorn on March 2, 2026

Broker Licensed in ME, FL, NC & NH

Answered by Alan "AL" Minthorn Medicare Insurance Agent

Duane Boebel · Answer

You will automatically be enrolled in Medicare in the month you turn age 65. The state that you reside in will automatically pay your Part B Medicare premium. Then you are going to look for a Special Needs Plan (SNP) for beneficiaries that have both Medicare and Medicaid coverage. These plans are offered by a number of carriers as they offer some things that Medicare does not provide.

Answered by Duane Boebel on May 4, 2026

Broker Licensed in AL, FL, GA & 9 other states

Answered by Duane Boebel Medicare Insurance Agent

Sabrina Mitter · Answer

Becoming Eligible for Medicare at Age 65

When you turn 65, you do become eligible to enroll in Medicare (Parts A & B) — even if you’ve been on SSI and Medicaid. SSI on its own does not automatically give you Medicare before age 65, because SSI is a needs-based benefit and Medicare is an age-based or work-credit benefit.

Medicare Part A (hospital insurance): eligible when you turn 65.

Medicare Part B (medical insurance): optional but most people enroll to get coverage.

Automatic enrollment typically happens if you already receive Social Security retirement benefits before age 65; otherwise you need to enroll during your initial enrollment period (starting 3 months before your 65th birthday and lasting 7 months).

If you are already receiving Social Security retirement benefits, Medicare enrollment will usually be automatic.
If not, you’ll need to enroll (or decline Part B if you have other coverage) during your enrollment window.

 2. Can You Keep Both Medicare and Medicaid?

 Yes you can keep both Medicare and Medicaid.
This situation is known as being “dual eligible.”

When you have Medicaid and Medicare together, Medicare pays first for covered services and Medicaid helps with what Medicare does not pay — like long-term care, extra services, premiums, co-pays, and coinsurance.

Mark Boone · Answer

Because you are receiving SSI, you will most likely be automatically enrolled in Medicare Parts A and B starting June 1, 2026. You most likely will be able to keep both Medicare and Medicaid, making you “dual eligible,” and Medicaid can help cover any premiums and cost-sharing. If your income and assets remain low, you will likely qualify for QMB, which pays your Part B premium and any co-pays or deductibles as well as make you eligible for a Dual Special Needs Plan (D-SNP if one is available in your area). The multiple notices are normal and come from both the Social Security Administration and your state Medicaid office as you transition to age 65.

Answered by Mark Boone on March 2, 2026

Agent Licensed in MN, FL, MI & NC, OH, SC & VA

Answered by Mark Boone Medicare Insurance Agent

Suzanne Lamperti · Answer

Go to the Neducare website and make sure you're signed up fir Parts A and B or sign up fir them. You can keep both Medicare and Medicaid. You must fill out an application for QMB and bring it to your local Sicual Services Dept. You are receiving application notices because you are turning 65 and insurance companies don't know you're on Medicaid.

Answered by Suzanne Lamperti on June 15, 2026

Broker Licensed in MD

Answered by Suzanne Lamperti Medicare Insurance Agent

Antonio Rodriguez · Answer

When you turn 65, you will typically be automatically enrolled into Medicare Part A and Part B if you’re already receiving SSI. You should receive your red, white, and blue Medicare card in the mail a few months before your birthday month.

Yes — you can absolutely have both Medicare and Medicaid. When you have both, it’s called being “dual eligible.” Medicaid can help pay your Medicare premiums and other out-of-pocket costs.

Because you mentioned low income and Medicaid, you likely qualify for the QMB (Qualified Medicare Beneficiary) program, which can pay your Part B premium and usually protects you from most Medicare cost-sharing.

As for all the application notices — once someone is nearing 65 and in the system, Medicare plan companies start sending a lot of mail. It doesn’t mean you have to respond to them. It’s just marketing because you’re becoming Medicare-eligible.

Jacquie Wolf · Answer

You will likely be auto enrolled into Medicare Parts A & B if you are collecting SS benefits.
Medicaid eligibility determinants will change after you turn 65. If you remain eligible, having both Medicare and Medicaid is the sweet spot for medical coverage.
You are receiving so many notices because there is a financial incentive for any Medicare plan to have you as a member. It's 90% advertising and they have access to public records including your age. 
Consulting an independent Broker should get you info about all of your options!

Bobbi Lincoln · Answer

As an SSI and Medicade recipient you will automatically be enrolled in Medicare part A and part B. Roughly within three months of your 65th birthday. 
The Social Security administration should’ve sent you out a welcome packet with a card because you will  automatically be enrolled in Medicare and you will become dual eligible. Your state Medicaid, which you will be able to keep will make it so that you become dual eligible, which means that your part B deductibles will become paid for by the state Medicaid. 
You will automatically be enrolled in part D as well, and you will qualify for the extra health program, which keeps your prescription cost low . You will also become QMB qualified as you already have SSI. 
Your finally question to as why you are receiving so many applications is simply because you’re turning 65 and that makes you a viable person for insurance companies to market their products.
Hope this helps

I will turn 65 in June 2026 and currently receive SSI and Medicaid. Will I automatically get Medicare, can I keep both Medicare and Medicaid, do I qualify for QMB due to low income, and why am I receiving so many application notices?

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I will turn 65 in June 2026 and currently receive SSI and Medicaid. Will I automatically get Medicare, can I keep both Medicare and Medicaid, do I qualify for QMB due to low income, and why am I receiving so many application notices?

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