Do I Have to Have Medicare if I am on Disability?

Will Medicare be prohibitively expensive for me?

What if I don’t get Medicare?

I’m sure you agree with me that life is difficult enough when you’re disabled.

You might want to keep an eye out for choices that will help you untangle your life.

A benefit that provides us with financial and health immunity while also taking into account our financial insecurity may be a lifesaver.

What all Medicare would cover?

I know what you’re thinking.

With the rising cost of health care, Medicare may be a stress reliever, as you won’t have to worry about regular doctor’s appointments, hospitalization costs, check-ups, preventive treatment, and so on.

Why is Medicare important amidst the pandemic?

Furthermore, the epidemic has been a nightmare for the disabled.

Since March 2020, an unprecedented number of disabled Americans have lost their jobs as per the source.

If you’re one of them, the Consolidated Omnibus Budget Reconciliation Act, or COBRA, will allow you to keep your health insurance.

Do I Qualify for Medicare Disability?

You are considered Medicare-eligible if your disability has been approved for Social Security Disability Insurance (SSDI).

In the best-case scenario, you’ll be on hold for 24 months until Medicare coverage kicks in.

Are there any exceptions?

Two illnesses that can be ruled out include end-stage renal disease (ESRD) and amyotrophic lateral sclerosis (ALS).

Should you enroll now or in the future?

It will be a life or death situation if Medicare is not funded soon, as treatment options for the rarest diseases will expand.

But before going in detail, you have to understand SSDI.

What is Social Security Disability Insurance or SSDI?

Payroll taxes fund the Social Security Disability Insurance program of the United States government.

The Social Security Administration administers it, and it is designed to provide monthly benefits to people who are unable to work due to a medically determinable handicap.

What are the coverage and prices of each component covered by SSDI plans?

SSDI with Medicare Part A

Part A of Medicare would cover the costs of hospitalization, room and board, medical exams, nursing facilities, blood transfusions, and other services.

The majority of people do not have Medicare Part A coverage because it is too expensive. This applies to people who have been on SSDI for at least two years.

Keep reading.

The initial 60 days of your stay would be covered by Medicare. If your stay exceeds 60 days, you will be charged for the additional days out of your own money. In 2021, Part A has a $1,484 hospital stay deductible.

SSDI with Medicare Part B 

Doctor visits, outpatient care facilities, ambulance services, mental health treatments, and other outpatient medical services are included under the Medical Part B payment.

In 2021, the Part B premium will be $148.50.

A $203 extra expense will be deducted in 2021.

After someone fulfills the deductibles, they will pay 20% of the approved amount for eligible services.

SSDI with Medicare Part C

The benefits of Parts A and B are combined in Part C plans.

Advantage Plans are offered by private insurance firms and may include benefits such as vision, dental, fitness, and Part D prescription medication coverage.

Why Can’t Medicare Be Avoided?

In Covid-19, we’ve all lost someone we care about.

The last thing we want to do is ignore ourselves and make poor choices.

Let us demonstrate to the rest of the world that disability isn’t a curse.

We may make our lives easier if we make the right judgments at the right moment.

We look forward to holding your hand and enhancing the efficacy of care to make your life as pain-free as possible.