Medicare And People With Disabilities
Medicare is yet another benefit for individuals who are physically challenged and are eligible for Social Security Disability Insurance (SSDI). The Centers for Medicare and Medicaid Services and the Social Security Administration (SSA), follow certain regulations for persons with disabilities and other people qualified for Medicare. Here are some facts you should know about Medicare.
- Most Americans become eligible for Medicare, a federal government-funded health program when they turn 65.
- The Medicare age eligibility requirement does not apply to people with certain disabilities who cannot work and qualify for SSDI.
- After people with disabilities receive Social Security benefits in kind, there is a 24-month waiting period before they can receive Medicare. However, certain medical conditions may reduce or eliminate the waiting period.
- Those who have amyotrophic lateral sclerosis (ALS), or Lou Gehrig’s ailment, qualify for Medicare as soon as Social Security disability benefits are approved.
- A person with end-stage renal disease (ESRD) may be immediately eligible for Medicare with no age limit or waiting period.
- Medicare comprises four main components: Parts A, B, C and D.
- Medicare Part A provides hospitalization benefits. Medicare Part B covers the necessary medical treatments, durable medical equipment (DME) and various preventive services. Examples of preventive services include tests of cardiovascular disability, diabetes, colon cancer, glaucoma and HIV. In addition, mammograms and prostate and pelvis exams are covered.
- Medical services provided under Part B include services such as influenza vaccines, nutritional medical therapy, pneumonia vaccines and bone mass measurements.
- Medicare Part C plans are known as Medicare Advantage (MA) plans. Part C includes all the benefits of Medicare Parts A & B, and generally Part D, which is prescription drug insurance. However, Medicare subscribers should always compare the inclusions, exclusions and prescription limits of these plans to ensure that the plan meets their financial and health needs.
- Under Medicare Part B, benefits also include durable medical equipment (DME) and prostheses. And Medicare Part D covers prescriptions. It is essential to review the terms of the plan or plans chosen by someone each year, especially during annual open enrollment, as they are subject to change.
- Each year, the federal government, the Centers for Medicare and Medicaid Services and the Social Security Administration (SSA) announce changes in policies and programs for Medicare beneficiaries and people with disabilities. Therefore, it is important to stay informed of these updates and consider the help of Medicare and Social Security specialists.
- Medicare Parts A and B are sometimes referred to as “Original Medicare” or “Traditional Medicare.” Don’t forget once you have Medicare you can get enrolled in Medicare Advantage and save money for the future and on medical bills.