What is a primary reason individuals meet the criteria for both Medicare and Medicaid?

The selection of the reason related to requiring assistance with Medicare costs due to low income accurately reflects the reality of many individuals who qualify for both Medicare and Medicaid. Many people who are eligible for Medicare—typically those aged 65 and over, or younger individuals with specific disabilities—also have limited income and resources. This financial limitation allows them to qualify for Medicaid, which can help cover costs that Medicare does not fully pay, such as copayments, coinsurance, and deductibles. Therefore, the connection between low income and eligibility for Medicaid alongside Medicare is essential in understanding the dual enrollment phenomenon.

In contrast, the other options do not align with the primary reasons for dual eligibility. Significant savings and assets would generally disqualify an individual from Medicaid, as both programs have income and asset tests. Being younger than 65 typically pertains to individuals with disabilities who can be eligible for Medicare; however, it is not a primary reason for eligibility for both programs. Lastly, while Medicaid does provide a broad range of services, it does have coverage restrictions and requirements, making the statement incorrect regarding its scope of services in conjunction with Medicare.