Losing Medicaid at 65+: What It Means and How We Can Help | 05.22.2025
For many people 65 and older, Medicaid has been a lifeline—helping cover healthcare costs that Medicare alone doesn’t.
Recently, we have seen a wave of people losing their Medicaid benefits. Whatever the reason - income changes, redetermination issues, or confusing paperwork, it’s creating real stress for seniors.
If you (or someone you know) has recently lost Medicaid coverage, you are not alone—and there are steps you can take to avoid losing health benefits or access to care.
Let’s walk through this:
Q: What Happens When You Lose Medicaid?
A: Losing Medicaid can affect your coverage in several ways:
Medicare Savings Programs: If Medicaid was paying your Part B premium (usually $185/month in 2025), you may now have to pay it yourself—unless you qualify for another savings program.
Extra Help (Low-Income Subsidy): If you received help paying for prescriptions through Medicaid, you may lose your Extra Help benefits too—meaning higher copays at the pharmacy.
Dual Special Needs Plan (D-SNP): If you were enrolled in a D-SNP, losing Medicaid can mean you’re no longer eligible for that plan, and could be disenrolled unless you take action.
Long-Term Care or Home Support: If Medicaid helped with long-term care or in-home assistance, losing coverage may affect those services.
Special Enrollment Period (SEP): You may be eligible for a special enrollment period to change your Medicare plan after Medicaid loss—but timing matters.
Q: This is really overwhelming. What can/should I do?
A: You can do these things right now:
Don’t Ignore Notices
Medicaid loss often happens after a redetermination. If you get a letter, open it—and bring it to us. We can help you understand it and respond.Check for Other Programs
You may still qualify for partial Medicaid or other programs like QI-1, SLMB, or LIS (Extra Help) that can ease the financial burden.Review Your Medicare Plan
If your Medicaid status has changed, your Medicare plan may need to change too—especially if you were in a D-SNP or had enhanced drug coverage.Act Quickly
You may qualify for a Special Enrollment Period, but it’s usually time-limited. Acting fast protects your access to care and keeps costs down.
We’ve helped dozens of Oregonians navigate the loss of Medicaid with clarity and compassion. Here's what we do:
One-on-One Help: We explain your options clearly and help you understand what’s changing—and why.
Plan Reviews: If your Medicaid is ending, we help you re-evaluate your Medicare plan to make sure you're not paying too much or missing out.
Timely Action: We track deadlines and Special Enrollment windows so you don’t have to.
This IS overwhelming. And - you are not alone. We are local, experienced, and here to help you make the best decisions with confidence and calm.
If you’re 65+ and just got a Medicaid termination letter—or are worried one is coming—schedule a review with us today.
Let’s talk through your options and get you set up with the coverage that fits your life now.
👉 Book your appointment at www.calendly.com/medicaremarkfuchs/medicaid-loss.
Medicare Mark Fuchs LLC—local help, lifelong care.
