Medicare is the United States’ largest universal health insurance network, covering nearly 44 million people. Approximately it roughly covers about 7 million people under the age of 65 who have disabilities or chronic illnesses.
I’m under the age of 65 and have a disability. When can I start receiving Medicare benefits?
If you are between the ages of 18 and 64, your Medicare eligibility is linked to your Social Security Disability Income payments eligibility. One exception is patients with end-stage renal disease (ESRD), who are currently eligible for Medicare depending purely on their ESRD status. To qualify for Medicare, you must first apply for and receive SSDI monthly income benefits.
To be eligible for SSDI, you must not be unable to work or function for at least one year due to a qualified physical or mental disability. You may register for SSDI at a Social Security Administration office near you. After being accepted for SSDI, you must wait five months for your income benefits to begin, followed by another 24 months.
Medicare benefits for Prescription Drugs
Medicare Supplement Insurance Plan
Medicare Supplement insurance policies can cover part A and Part B out-of-pocket payments. If you are past the age of 65 and have Medicare coverage due to a disability, you will be unable to purchase Medicare Supplement insurance.
Some states, however, have legislation requiring providers to provide at least one Medicare Supplement package to those qualifying for Medicare, regardless of age. If you live in one of these states, you will be eligible to purchase a fantasy, but the premium will be higher than if you wait until you are 65 to apply.
What are Medicare Special Needs Plans?
These programs’ Medicare provisions are intended to assist patients with specific disabilities or illnesses. An SNP for individuals with disabilities, for example, will include physicians in the physician network who specializes in treating vulnerable people and would have widely used drugs in the prescription drug formulary.