Medicare Benefits for People with Disabilities

Updated: Jun 4


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.


Today, Medicare plans to act in tandem with disability benefits to assist you with obtaining the necessary health services. Here's how Medicare works for individuals with disabilities.


I'm under the age of 65 and have a disability. When can I start receiving Medicare benefits?

Upon receiving Social Security Administration disability payments for a full 24 months in a row, you usually are eligible for Medicare coverage. Your Medicare ID card will be mailed to you around three months before your 25th month of disability.


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

Anyone eligible for Medicare benefits can enroll in a Part D prescription drug plan. To enroll in a stand-alone Medicare Part D prescription drug plan, you must be enrolled in both Part A and Part B. If you receive Medicare insurance from Original Medicare and want prescription drug coverage, you must typically enroll in a separate Medicare Part D prescription drug plan.


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?

Special Needs Plans (SNPs) are a form of Medicare Advantage plans available to those who follow specific criteria. For example, you:

  • Eligible for both Medicare and Medicaid.

  • Reside in a facility such as a nursing home.

  • Suffer from a severe disease or injury.


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.


Prescription medicine provision is included with all Special Needs Plans. If you got any questions, you could talk to a Kauai insurance geek to help you with your needs.


Get Help With Medicare!

Tell us all about yourself, and we'll match you with the right agent in your field to assist you with your physicians, prescriptions, and questions, among other things. We'll help you enroll in the suitable options, whether or not we serve those same firms. You should call us to answer customer service queries, lower prescription prices, maximize your savings, and navigate healthcare insurance.

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