MEDICARE DISABILITY BENEFITS
While Medicare is generally for people who are 65 years and older, some individuals with end-stage renal disease and those who receive Social Security Disability Insurance can possibly receive Medicare benefits. The coverage generally works in coordination with a person's current medical coverage, and Medicare pays for medical services after private insurance has paid the bills for a certain period of time.
What if I receive Social Security Disability?
People who are receiving Social Security Disability Insurance must wait two years before applying for Medicare. At that time, the person is automatically enrolled in standard Medicare (Part A and B).
If a person is receiving Medicare benefits through a disability, the individual can purchase a Medicare supplement policy (Medicare Part C) or a prescription drug plan (Medicare Part D). These policies are managed by a private company and provide different benefits depending on the policy.
These laws are complicated, however, and it is a good idea to talk with an insurance agent who specializes in Medicare disability insurance. Low-income individuals might be eligible for certain benefits.