I am 57 and just approved for Medicare, just one month after I was approved for disability, not 24 months which I was expecting. I wish it was 24 months, because I was on Medicaid through the ACA. My Medicaid through the ACA was cancelled. It's been a nightmare! Way more complicated than Medicaid. doctor's visits and medical procedures I already had approved through Medicaid I had to cancel. Now I don't know if I am covered or not? I have limited income through disability. With premium for Medicare and Medigap, I guess I will have to dumpster dive for food?
If I'm under 65 on disability and opt out of part b because I still have group coverage, will group insurance cover for outpatient surgery at a hospital setting?
I think it's awful that carriers essentially prevent those Medicare beneficiaries who need medical care the most from, traditional Medicare by Cost . The most severely disabled often can't work relying on Social Security to pay their bills and now they have to deal with MA networks that may not contract with their specialists, not to mention the hassle factor of referrals to said specialists, prior approvals etc. You failed to mention HDG as a more affordable medigap option for disabled beneficiaries to obtain the optimal care and choice they need and deserve. Though the premium is over twice that of a 65 yo and $2490/ yr sounds like a lot, they pay that as they go and only pay for what they use (like MA). In my opinion, they deserve to learn about it if available to them and they want the best health insurance.
Thank you for your comment. If the person in question is working to the point of substantial gainful activity (SGA) and/or their income and/or assets are over the limit, they may no longer qualify for SSDI benefits. To be eligible for Medicare under 65, you must collect SSDI for at least 24 months or have a diagnosis of ALS or ESRD. You must also be a U.S. citizen or legal resident of at least five years Assuming the person is under 65 and schizophrenia is their disabling condition, their SSDI benefits depend on whether their income/assets/working activity disqualifies them. If none of these disqualify them, they will become eligible for Medicare after 24 months of receiving the benefits. However, Original Medicare (Part A and Part B) does not cover prescription drugs taken at home. To obtain this coverage with Medicare, a Medicare Advantage Prescription drug Plan (MAPD) or Part D prescription drug plan will cover Invega. The Extra Help program can cover more as well. Fortunately for everyone who exceeds the limits for savings programs, the donut hole will go away in 2024, and the maximum anyone can spend on prescription drugs on Medicare will be $2,000. We hope this helps, and we've included some links below for more information. • www.ssa.gov/benefits/disability/qualify.html • www.medicarefaq.com/faqs/medicare-for-disabled-individuals/ • www.medicarefaq.com/blog/inflation-reduction-2022/ • www.medicarefaq.com/faqs/medicare-savings-programs/ • www.medicarefaq.com/faqs/medicare-extra-help-program/ • www.medicarefaq.com/faqs/mapd-vs-part-d/
Thanks for your comment, Lynda; we appreciate your input. Unfortunately, as you mentioned, many beneficiaries do not have Medigap High Deductible Plan G available to them before they turn 65. This is sometimes due to their states' rules. However, it can absolutely be the right choice when available and within their budget! We will keep this in mind for our future content.
Medical that covers your lenses but not the frames is useless but thank you congress maybe flex tape or duck tape will work i will have to borrow some to check is this an insult or what its reality its the kind of laws congress made
I am 57 and just approved for Medicare, just one month after I was approved for disability, not 24 months which I was expecting. I wish it was 24 months, because I was on Medicaid through the ACA. My Medicaid through the ACA was cancelled. It's been a nightmare! Way more complicated than Medicaid. doctor's visits and medical procedures I already had approved through Medicaid I had to cancel. Now I don't know if I am covered or not? I have limited income through disability. With premium for Medicare and Medigap, I guess I will have to dumpster dive for food?
If I'm under 65 on disability and opt out of part b because I still have group coverage, will group insurance cover for outpatient surgery at a hospital setting?
I think it's awful that carriers essentially prevent those Medicare beneficiaries who need medical care the most from, traditional Medicare by Cost . The most severely disabled often can't work relying on Social Security to pay their bills and now they have to deal with MA networks that may not contract with their specialists, not to mention the hassle factor of referrals to said specialists, prior approvals etc.
You failed to mention HDG as a more affordable medigap option for disabled beneficiaries to obtain the optimal care and choice they need and deserve. Though the premium is over twice that of a 65 yo and $2490/ yr sounds like a lot, they pay that as they go and only pay for what they use (like MA). In my opinion, they deserve to learn about it if available to them and they want the best health insurance.
Thank you for your comment. If the person in question is working to the point of substantial gainful activity (SGA) and/or their income and/or assets are over the limit, they may no longer qualify for SSDI benefits.
To be eligible for Medicare under 65, you must collect SSDI for at least 24 months or have a diagnosis of ALS or ESRD. You must also be a U.S. citizen or legal resident of at least five years
Assuming the person is under 65 and schizophrenia is their disabling condition, their SSDI benefits depend on whether their income/assets/working activity disqualifies them. If none of these disqualify them, they will become eligible for Medicare after 24 months of receiving the benefits.
However, Original Medicare (Part A and Part B) does not cover prescription drugs taken at home. To obtain this coverage with Medicare, a Medicare Advantage Prescription drug Plan (MAPD) or Part D prescription drug plan will cover Invega. The Extra Help program can cover more as well.
Fortunately for everyone who exceeds the limits for savings programs, the donut hole will go away in 2024, and the maximum anyone can spend on prescription drugs on Medicare will be $2,000.
We hope this helps, and we've included some links below for more information.
• www.ssa.gov/benefits/disability/qualify.html
• www.medicarefaq.com/faqs/medicare-for-disabled-individuals/
• www.medicarefaq.com/blog/inflation-reduction-2022/
• www.medicarefaq.com/faqs/medicare-savings-programs/
• www.medicarefaq.com/faqs/medicare-extra-help-program/
• www.medicarefaq.com/faqs/mapd-vs-part-d/
Thanks for your comment, Lynda; we appreciate your input. Unfortunately, as you mentioned, many beneficiaries do not have Medigap High Deductible Plan G available to them before they turn 65. This is sometimes due to their states' rules.
However, it can absolutely be the right choice when available and within their budget! We will keep this in mind for our future content.
Medical that covers your lenses but not the frames is useless but thank you congress maybe flex tape or duck tape will work i will have to borrow some to check is this an insult or what its reality its the kind of laws congress made