Medicaid is a state and federally funded program that provides health coverage for low-income individuals, while Medicare is a federal program that provides health coverage for individuals aged 65 and older, as well as certain younger individuals with disabilities.

Elder law attorneys specialize in legal issues affecting older adults, including Medicaid and Medicare planning. They can help individuals understand their eligibility for these programs, navigate the application process, and develop strategies to protect assets while qualifying for benefits.

Some common challenges include understanding the complex eligibility requirements, dealing with denials or delays in the application process, and managing assets to meet program guidelines. Elder law attorneys can provide guidance and advocacy to help overcome these challenges.

It is important for individuals to plan ahead by consulting with an elder law attorney to develop a comprehensive strategy for asset protection and Medicaid and Medicare planning. This may involve creating trusts, transferring assets, and ensuring compliance with program rules.