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Medicaid & MSP: Must apply for Social Security and Enroll in Medicare

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Posted: 14 Mar, 2013
by Cathy Roberts (Empire Justice Center)
Updated: 28 Mar, 2018
by Valerie Bogart (New York Legal Assistance Group)

Medicaid applicants and recipients can be required to pursue potentially available income, including Social Security,  as a condition of receiving Medicaid, and also to apply for Medicare.  (42 CFR 435.608; 18 NYCRR sec. 360-2.3 (c)(1); Medical Assistance Resource Guide [MARG] pp. 488-489.)  

Contents of this article:

1.   Requirement to apply for Medicare - Changes in 2017 and 2018

2.  Must apply for Social Security and other "Potentially available income"

*     Where to get Help 

1.    Must apply for Medicare - New requirements November 2017

NYS and NYC Directives and Alerts - Oct. 2017 and in 2018

In Oct. 2017, NYS DOH issued 17 OHIP ADM-01:  "Medicare Enrollment at Age 65" (PDF) (Click here for html version and attachments).  This ADM further implements NY Social Services Law  Sec.366(2)(b)(1) which states: "Any person who is eligible for, or reasonably appears to meet the criteria of eligibility for, benefits under title XVIII of the federal social security act [Medicare] shall be required to apply for and fully utilize such benefits in accordance with this chapter."  Also see NYS DOH Medicaid Reference Guide (MRG) page 415.

The ADM requires for the first time certain Medicaid applicants and beneficiaries to submit proof that they applied to enroll in Medicare -  for new applicants at the time of application, or at the time of renewal, for current recipients.  New applicants and people receiving renewals in NYC will receive this insert in their application or renewal package

In December 2017, NYC HRA issued this Medicaid Alert implementing the State ADM in NYC.  

On January 10, 2018, NYC HRA issued a CORRECTED Medicaid Alert revising the notices sent in December 2017 (See below).

NOTICES SENT to 30,000 Medicaid Recipients age 65+ Beginning November 2017 - Feb. 2018

From November -  February 2018, about 30,000  Medicaid recipients over age 65 who do not have Medicare are receiving letters that they must return proof of application for or enrollment in Medicare to their local Dept. of Social Services, in order to retain Medicaid.  The letters are going out in batches.

  1. UPSTATE - In November 2017, 7400 UPSTATE recipients age 65+ received letters that they must enroll in Medicare.  Of these about 4,000 people did not respond, and their Medicaid was DISCONTINUED effective Dec. 31, 2017, after advance notice of discontinuance was sent. 

  2. NYC - About 15,000 notices will be sent in 3 batches of about 5,000 - only to people in the community, not nursing homes.  Those in nursing homes will need submit proof that they applied to enroll in Medicare with their annual renewals. 

    1. In December 2017, the first of 3 batches of notices were sent  to about 5500 Medicaid recipients age 65+ received notices that they must apply for Medicare or lose Medicaid.  A corrected notice was sent on January 6, 2018, after the State recognized errors in the first letters, including the fact that no address or return envelope was included in the letter to submit proof of Medicare application.  The January 6, 2018 letter was sent to the same 5500 recipients, with their response due on Feb. 7th.   Those who did not respond received Notices of Intent to Discontinue Medicaid effective March 6, 2018.   

      MARCH 13, 2018 - After ​​​advocacy by Legal Services NYC, including a threat of litigation, the State DOH has agreed  to restore Medicaid coverage to al2,204 NYC Medicaid recipients who had coverage terminated on March 6, 2018 because they did not respond.  They should be receiving notices confirming this.  However, they will still receive new notices along with those in the next 2 batches.   

    2. The next two batches of about 5,000 letters  have been delayed - will be sent in late March 2018 or April 2018. Consumer advocates have requested that the State revise these letters, to include information on the right to request an extension of time and how to do so, the right to request help with applying for Medicare as a reasonable accommodation of disability,  assurance that notice is translated into the recipient's primary language.  In light of the advocacy that achieved restoration of Medicaid coverage for the 1st batch whose Medicaid was discontinued, hopefully the notices and procedures will improve for this batch. 


Consumers may request an extension of time to apply for Medicare and submit proof that they applied.  They may do this by phone in upstate counties and by mail/phone in NYC.   In NYC, certified "C-Rep" representatives may submit MAP 3062c Request for Extension to the Undercare Processing Division.   Or consumers or their reps may call Medicaid Helpline  1-888-692-6116.   A failure to respond on time or ask for an extension before the due date will result in HRA/DSS issuing a Notice of intent to discontinue Medicaid coverage.  

NOTE about new MAP FORM 3062c to Request ExtensionThe MAP Form 3062c posted on 1/24/18 is different than the MAP Form 3062a originally posted here.  The 3062C allows you to  specify an unlimited number of days to submit proof that you applied for Medicare.  Form MAP 3062a, which is for requesting extra time to submit documents generally in applications and renewals, is limited to maximum 30 days. 

Which Medicaid Recipients are receiving the Notices that they must Enroll in Medicare? 

The notices are being mailed to Medicaid recipients who are:

  1. age 65+  and 

  2. Do not have EITHER Medicare Part A or Part B (which means they likely do not receive Social Security benefits, since Medicare is automatic for people age 65+ receiving Social Security)(They either don't receive Social Security because they did not do enough covered work for insured status or because of immigration status),

  3. Are US Citizens or have been Permanent Resident Aliens (have a "green card")  for 5+ years.

NOTE about immigration status:  PRUCOL immigrants were excluded from this mailing, since they are not eligible for Medicare.  However, some immigrants may not be PRUCOL but are still not Lawful Permanent Residents.  They may have legal immigration status to qualify for Medicaid, but are not eligible for Medicare.  According to HRA, they must still apply for Medicare even though they will be denied based on their immigration status.  HRA maintains that only the SSA can determine eligibility for Medicare, not HRA.

  1. Have incomes below the Medicare Savings Program SLIMB level  (120% Federal Poverty Level)
     2017  ($1206  singles /  $1624 couple)     2018 ($1214 singles/ $1646 Couple)

NOTE about income:  If income is above 100% FPL (2018 $1012 single   $1372 couple) but below SLIMB, the recipient will not be eligible for premium-free Part A.  They should apply for Part B and "conditional" Part A, known as the  "Part A Buy-In Program."  In this program, enrollment in Part A is conditioned on being approved for QMB by DSS/HRA.    (QMB is one of the 3 Medicare Savings Programs).  Since they won't be approved for QMB, they will not be enrolled in Part A for free, and the conditional enrollment in Part A will not go through.  This way they will not be billed for the high Part A premium ($422 in 2018).  They will still be eligible for Medicaid.

5.  SSI RECIPIENTS age 65+  should NOT be receiving these notices!   If they are it is a mistake.  They should automatically be enrolled in Medicare behind the scenes by the State through the "Buy-In" Agreement between NYS and the federal CMS.     Call one of the contacts below in Where to Get Help.  


These 30,000 Medicaid recipients risk  having their Medicaid discontinued if they do not return proof that they applied for Medicare to the Local Dept. of Social Services.    If they applied for Medicare but were not enrolled they should be given an extension. 

Discontinuance of Medicaid can have serious consequences, including termination of home care.

Ask for a Fair Hearing right away if you did not receive an advance Notice of discontinuance or if there was an error.   


  • Call the Medicare Rights Center at 1-800-333-4114.   See their Tip Sheet

  • If client receives/received home care through a Medicaid managed care or MLTC plan and is losing or lost Medicaid because of Medicare enrollment, they can call ICAN  - OMBUDSPROGRAM FOR FIDA & MLTC    Phone:  844-614-8800    TTY Relay Service:  711   Website:   icannys.org      ican@cssny.org

  • In New York City, call  the Legal Service NYC Access Line at 917-661-4500, especially if  Medicaid coverage is inactive because of not meeting the Medicare enrollment requirement.

  • Get help from your local legal services program - see www.lawhelpNY.org or

Advocacy Tips

The Medicare Rights Center created a Tip Sheet which explains this enrollment effort and provides helpful information on Medicare enrollment for those with Medicaid and no parts of Medicare.  The Tip Sheet explains how they can enroll in Medicare without having to pay a premium.   

  • Some recipients can enroll in premium-free Medicare Part A and Part B -- these are those who are Qualified Medicare Beneficiiaries, (QMB) with incomes under 100% FPL.   See  MRC fact sheet on how to enroll in free Medicare Part A through the  "Part A Buy-In Program."   Also see the SSA POMS on QMBs and Part A. 

  • Others do not qualify for free Part A, but can enroll in Part B without a premium.  These are SLIMB's - a Medicare Savings Program for people whose income is between 100 FPL - 120% FPL.  

  • Clients going to the SSA to apply for Medicare should bring the notice from DSS/HRA requiring them to apply, and bring the Medicare Rights Center Tip Sheet to help explain to the SSA why they are applying for Medicare.  Don't forget they need only APPLY for Medicare - and show proof that they applied to HRA/DSS.  

​Recommended Follow-Up for Consumers Newly Enrolled in Medicare:

Consumers newly enrolled in Medicare may need additional help with the transition:

  •        counseling on their Medicare Part D (prescription drug) coverage options - help select a plan that covers all of her drugs, rather than wait to be auto-assigned randomly to a plan that may not cover her drugs;  also see Part D info

  •        if client was in a Medicaid "mainstream" managed care plan, she will now be disenrolled from that plan once she has Medicare.  She will need counseling on whether to enroll in a Medicare Advantage plan or whether to use Original Medicare and enroll in a Part D plan; and

  •        For those consumers who received Medicaid home care through a Medicaid  managed care plan (MCO), ensure they are transferred from their Managed care plan to an MLTC plan without a disruption in their personal care services. 

  •    See Medicare Rights Center info for people new to Medicare

2.  Must apply for Social Security and other "Potentially available income"

This means entitlement benefits like annuities, pensions, retirement and disability benefits, veterans benefits and unemployment compensation.  It does NOT include cash support. (MARG p. 561; 99 ADM-05)

The NYS Department of Health recently clarified in  GIS 13 MA/005 - Buy-In for Individuals with Medicare who have not applied for Social Security Retirement Benefits  [PDF] that this requirement to pursue potentially available income applies to Medicare Savings Program (MSP) applicants/recipients who are eligible for Social Security retirement benefits.  These individuals cannot delay enrollment in Social Security and still qualify for MSP.   This rule affects some people who would otherwise prefer to delay receipt of Social Security until after age 66 since the amount of the benefit increases for every year of delay until age 70.   But one doesn't have that option if one wants Medicaid or an MSP.  

EXCEPTION announced Oct. 2016:  If the client is working full-time, they do NOT have to apply for Social Security benefits at age 62 or later. This was announced in GIS 16 MA/012, "Applying for Entitlement Benefits," which states, "When an A/R is still working full time, districts must not require the A/R to apply for Social Security Retirement benefits."

Enrolling in a pooled supplemental needs trust is an option to reduce countable income to qualify for Medicaid and/or MSP (re MSP see See Fair Hearing No. 4399513P (Nassau Co., Jan. 31, 2006)(available in WNYLC Online Resource Center, Fair Hearing Database, free registration required) .

This article was authored by the Empire Justice Center and New York Legal Assistance Group.  

Attached files
item 2018-01-10- HRA MICSA ALERT REVISED Must Apply for Medicare.pdf (113 kb) Download
item 2018-01-06 Revised MA Notice Medicare Enrollment (Redacted).pdf (128 kb) Download
item MAP3134e - DAB insert renewal and apply for Medicare (1-20-17).pdf (393 kb) Download
item 2017-12-13 - Must Apply for Medicare.pdf (139 kb) Download
item MAP-3062c Request for Time Extension- Medicare App (Fill-able).pdf (65 kb) Download
item MAP-3062a Request for a Time Extension (12-5-17) Fillable.pdf (66 kb) Download

Also read
item When Documentation of Resources and Income is Required for Medicaid Applications & Renewals - and When is "Attestation" Enough?
item Where to Apply for Medicaid and Medicaid Home Care in New York City
item Medicare Savings Programs (MSP) in New York
item New Application Form (2010, updated 3/2015) Used for Medicaid, Child Health Plus and Family Health Plus in New York State
item Applying for Medicaid Personal Care or CDPAP Services in New York City - 2016 Changes
item Know Your Rights: NYLAG Webinars on Medicare and Medicaid -

Also listed in
folder Medicare Savings Program
folder Medicaid -> Financial Eligibility

External links
http://www.wnylc.com/health/client/images/icons/article_out.svg https://www.health.ny.gov/health_care/medicaid/publications/pub2017adm.htm
http://www.wnylc.com/health/client/images/icons/article_out.svg http://www.medicarerights.org/fliers/Medicaid/NY-Medicare-enrollment-project-tip-sheet-back-log-notice-recipients.pdf?nrd=1

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