How do Social Security and Medicare work together for people with disabilities?
Answered by 15 licensed agents
For people with disabilities, Social Security and Medicare are closely connected. If you're under 65 and approved for Social Security Disability Insurance (SSDI), you’ll automatically become eligible for Medicare after receiving disability benefits for 24 months. At that point, you’ll be enrolled in both Part A and Part B. If you have ALS, Medicare starts right away with no waiting period. Your Part B premium will typically be deducted from your Social Security check, just like it is for those 65 and older. From there, you can choose to add a Medicare Advantage or Part D drug plan—or even a supplement, depending on your situation. It's a complex process, but having someone guide you through your options can really make it easier.
They are different departments altogether, and many of your Medicare premiums can be held directly out of your Social Security account. I always recommend a person to set up their two accounts, one in www.ssa.gov and another one in medicare.gov.
When considering Social Security versus Medicare, it’s important to recognize that these are two separate benefit programs from the federal government. Social Security provides financial support, whereas Medicare is health insurance coverage. These two safety net programs work together to support people with disabilities to remain as healthy as possible. As mentioned, for someone looking to gain health insurance coverage via Medicare because of a disability, they must first apply for disability benefits from Social Security.
When someone is on disability through Social Security, and the person has been on disability 24 months, they become eligible for Medicare, Social Security will hold back another 6 months in the event the disability is resolved, so after a total of 30 months, the person will then acquire Medicare regardless of age.
Those Americans receiving SSDI will automatically be enrolled into Medicare Parts A & B not later than their 25 month after their SSDI started. If an American citizen is receiving SS benefits other than SSDI (at age 62), they will automatically be enrolled into Parts A&B when they turn 65.
If you’ve been on Social Security for two years, you automatically get Medicare part a and B and if you’re not 65 you can take advantage of the Medicare advantage plans the HMO and the PPO‘s which include drug plans
If you qualify for Social Security Disability Income (SSDI), then you will eventually qualify for Medicare. However, this doesn’t happen until 24 months after your first SSDI payment. At that point, you will be automatically enrolled into Medicare. Part A, which is the hospital insurance, is usually free. However, Part B is the medical insurance and it has a monthly premium. Generally speaking, once you qualify for Medicare you will want to add a prescription drug coverage, supplement, or Medicare Advantage plan. in fact, if you do not have qualified prescription drug coverage, you will be penalized for not enrolling in a prescription drug plan when you first become eligible for Medicare.
A person that that has a qualifying disability and is collecting Social Security income as a result will automatically receive a Medicare card after 24 months of being disabled and unable to return to work.
Social Security and Medicare work together for those Underage 65. After 2 years those collecting Disability will typically automatically be enrolled and qualify for Medicare.
They offer plans like Chronic condition working with people that have disabilities who have Medicaid and Medicare. These plans were specifically designed for disabled bodied people in mind.
If you’re under 65 and on Social Security Disability, you’ll automatically get Medicare after 24 months. Same Parts A and B — just earlier because of your disability.
If someone is entitled to Social Security Disability Insurance they will be eligible for Medicare. Their Medicare eligibility will have a 24 month waiting period.
Once a person who is under the age of 65 and is collecting social security disability for 24 months, they will automatically be enrolled in Medicare Part A & B.
