Usually when one talks about people who are eligible for Medicare, they immediately think of senior citizens who are above the age of 65. One in four people who receive Medicare benefits is at least 80 years old.
However, this is not always the case. Disabled people can also qualify for Medicare. Here is everything you need to know about Medicare for disabled people.
Requirements to enroll in Medicare
In order to qualify for Medicare, disabled individuals need to receive Social Security Disability for a period of 24 months. Prior to this, there is the verification period, which lasts for five months.
People suffering from conditions like ESRD and ALS can apply for Medicare without receiving Social Security Disability. The requirements for people suffering from these diseases are:
- People suffering from ESRD can apply for Medicare after three months of dialysis and a kidney transplant
- People suffering from ALS are eligible for Medicare as soon as they start receiving Social Security Disability
People qualify for Part A and Part B of the Medicare plan as soon as they become eligible for Social Security Disability. People who do not qualify can still purchase Medicare by paying monthly premiums.
There are people who live in areas like Puerto Rico, which is not a state of the United States but is a territory of US. These people are enrolled for Part A of Medicare. However, they need to pay additional amount if they wish to enroll in other parts of Medicare.
Disabled people receive the same kind of benefits that older people, who have enrolled for Medicare, receive. These benefits include:
- Hospital expenses
- Nursing care
- Doctors services
- Home care
In addition to these services, Medicare also covers services like physical therapy for patients suffering from problems like:
- Alzheimer’s disease
- Parkinson’s disease
- Mental issues
The trial period
Individuals who receive Social Security Disability also receive Medicare for a period of 9 months. This period is referred to as the trial period. There is certain criterion that needs to be met in order to qualify for this though.
The individual needs to have earnings of $770 per month. That or they should do some kind of their own work for 80 hours a month.
People should also know that the ability to perform these tasks does not lead to disqualification from Medicare. At the end of the trial period it is determined if the person continues to need Medicare or not.
The overall period of Medicare lasts for eight and a half years after which people who have disabilities can continue to receive the benefits. These people will have to pay the premiums for part A and part B of Medicare.
Some people might not be able to pay the premiums. The state run programs can pay off the premium payments for these individuals.
The process for enrolling for Medicare is quite complex and you might require the assistance of health insurance agents, who can provide you with guidelines. Get in touch with us. We, at Medicare Values offer insurance brokering services.
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