I am 64 and have been on SSDI for 4 years, you answered my question at 3:35. I was not able to get supplemental insurance originally but will go with plan G next year. Thanks
I love your TH-cam Channel, so much good info to educate those of us who are on social security & disabled, Thank You So Much For your diligent efforts to inform us. I am presently collecting Social Security Benefits for being Disabled as of 07/01/2023. I am 64 yrs old & will turn 65 on 06/30/2024. You mentioned that when a person turns 65 while on SSDI there will be another 6 month window to possibly shop & Save for a reduced cost to my Plan G. Please send me any Pertinent info so I can possibly save some money, Thank You Once again & best Best to you
I am 61 and have been on said for about 10yrs, so I currently have Medicare. What's the best way to start looking for a supplement plan. I live in CA and already found out most companies won't offer supplement plan until I'm 62? Do I have to wait? Thank you
@@mountaingirl2222 also, Utah does not take away assets under Medicaid. Estate recovery does happen following the death of a Medicaid recipient, but the state actually taking your assets doesn't happen. For instance, if you are living in your own home while on Medicaid, the state doesn't take possession of the house. They may require that the home be sold after your death in order to meet the recovery of the state's cost for your medical expenses while you were on Medicaid, but the state doesn't take possession of your assets. When you apply for Medicaid, if you have too much in income and assets that aren't considered exempt then you just don't qualify. Keep in mind too that you can apply for Medicaid assistance in any month that you've incurred enough in medical expenses to exceed any spenddown that Medicaid may assess, assuming that you otherwise meet the income and asset limits.
@@mountaingirl2222 Keep in mind that some Medicare Advantage Plans do not have an additional monthly premium beyond your Medicare Part B monthly premium. The plan I'm on is like that, nor do I have to pay a separate premium for the Part D drug coverage under my plan.
@@mountaingirl2222 You also should consider whether you can actually afford to pay the amounts for your medical care that Medicare doesn't pay without Medicaid assistance.
My 28 year old Down syndrome son is on Medicare A,B, and D (for several years). He works part-time, pays his own part B and D premiums (out of his social security check). Very healthy. (Levothyroxin only med.) We live in Wisconsin. In case he has some major health issue he should probably get an Advantage plan, right? Are supplement plans even available to him?
What if my husband who may get a Full Disability (He is 60 yrs old)- is still under the MY (the wife's) PPO plan at work, a Premium health plan ? How should this be handled ? (we are in PA)
My wife will be 64 this October. She is on SS disability and has Medicare part A. She did not need part B as she is covered under my employer group plan. My plant is shutting down on November 30th and my next job is uncertain. She wants to go ahead and start part B and D and either get a Medigap plan or an advantage plan. My question is if she opts for an advantage plan this year can she switch to a Medigap plan when she turns 65 next year?
You have a 6 month window after you become eligible. Does that window start exactly? At the date it actually starts or does backdating comes into play. I had like a 3+ year fight for disability. I was approved by a judge in November 2021 and it was back dated to October of 2018. It may even get even further back dated because this was my first 2nd case and they use the original judges Denali date as a start because my first case was in the review case and it had not been sent back down to the courts yet which now it has. Meaning I was automatically eligible/enrolled because the 24 mouth period started in 2018.
Yeah, either they have changed some of that or they made a mistake with me. I was approved for disability just 2 months ago, was paid back-payment, kicked off Medicaid a month later and immediately was sent a Medicare card (AB). No 24-month waiting period. Wish there was, rather stayed on Medicaid 2 more years. I haven't even got my monthly disability payment yet. Get the first one next month.
I am POA for brother receiving SSDI and he is eligible for Medicare in Sept. 2020. We live in FLA and I need to get him supplemental coverage. When do I start getting quotes and does FLA have specific insurance companies that offer coverage for 62 yr olds receiving SSDI?
You can start shopping now for Medicare Supplement Plans for him. When you are under age 65 Medicare Supplement Plans are regulated a bit differently, but I would be happy to show you his options. You can email stephanie@abtinsuranceagency.com or call 888-465-9728
My brother is under 65 has Medicare and supplemental plan due to disability. He started working again and his employer provides insurance for coverage for his family. Aware the employer insurance plan is the primary and Medicare is secondary as employer has excess of 20 employees. The question is how does his Medicare supplement kicks in?
I’m under 65.. I became eligible on 8/1/19...when does my 6 mo. open enrollment end or did it already? Should I purchase Medigap ins. If still in open enrollment window or wait until I’m 65?
TiffiT. Your Medigap open enrollment goes until Feb 1st 2020 (if you’re Part B was effective 8/1/19). You’ll also get a new Medigap open enrollment period when you turn 65!
Abt Insurance Agency Thank you! I’ve spent hours researching and didn’t realize until today that there are different rules for under 65. You video is great! Thanks again! 🙏🏼
Jackie Sicilian 24 months is generally the amount of time you must be collecting social security disability benefits before you are enrolled in Medicare A and B. The other question was regarding Medicare Supplement open enrollment periods.
@@AbtInsuranceAgency Hi! Actually, Medicare starts 24 months after you're eligible to receive disability benefits, not 24 months after you've actually started receiving them. I started receiving my payments in October 2020 and started Medicare in December 2021, based on the fact that I was deemed eligible for disability back to June of 2019. (You must be considered disabled for 5 months before the 24 months starts, so in my case the 24 months began in December 2019). Not trying to be a know it all, just a clarification.
If I have a medicare plan A and B at age 45 due to disability and purchase a supplement plan N, can that insurance be taken away for getting involved in a return to work program? I have heard that supplemental medicare insurance is irrevocable, or is that only if over 64?
My wife is under age 65 and has been on SSD for over well 24 months, but we have private medical insurance through my employer. She hasn't received a Medicare card and we haven't paid any monthly fee and/or aren't being billed for part B. I believe they gave us the option to opt out and I think we chose that option due to having private medical insurance. Is that possibly what we did since no one is contacting us for part B payment?
Zak age 62 on disability, LOW INCOME, ssa 536 and ssi 323. Recently I received my Medicare card, effective from January 2023. Part A,part B they checked but Part D and Part supplemental is not checked. My current medicade is pushing me to get medicare advantage plan C, and they said Original medicare will not cover vision, dental and Drugs. I like to take Original medicare. What do I do to get Part D and supplemental. Can I get 100%coverage because of my low income status. Kindly reply.
Hello Zak: That's because Medicare itself includes Medicare parts A and B automatically; you get to choose which Medicare Part D prescription coverage plan you want to add to that. Also, you can choose to receive your Medicare coverage through a Medicare Advantage plan (AKA "Medicare Part C") instead of Original Medicare; most Medicare advantage plans include Part D drug coverage in addition to Parts A and B. If you're sure you want a Medicare supplement plan you have to be receiving Original Medicare, not a Medicare Advantage plan. Keep in mind that it's not always possible to find an insurer who will issue a Medicare Supplement plan to people under age 65, and even if you do find an insurer that will issue plans to those under 65, you may find that the premium you will need to pay each month for the plan may be more than you can afford given your income. If that's the case, you may find that a Medicare Advantage Plan will work better for you. Being low income and having Medicaid will limit how much you will need to pay for your prescriptions each month.
If you're still on SSDI, you have Medicare. You would have received your Medicare automatically after being eligible for disability benefits for 24 months. If you are receiving Social Security retiree payments before age 65, you would have been automatically enrolled in Medicare at age 65. If you were a retiree who wasn't already receiving Social Security at age 65 you would have had to sign up for Medicare at age 65, unless you waited because you had health coverage through an employer.
My wife is under 65 and her medicare starts on 12/01/2019.At the moment we live in Illinois 62615 but are thinking of moving to Oklahoma 74055. Do you have any idea which state offers more choice in Medigap plans for under 65yo's...Thanking you
If you are looking for Medigap, IL will offer lower cost Medigap plans than OK for folks Under 65 with more insurance carriers offering different plans. I hope this helps!
My bf is a paraplegic due to car accident he has a spinal cord injury. So he is on Medicaid I believe , AmeriGroup. We live in the state of Tennessee. And it’s been hard trying to get him better insurance for PT & OT and other resources. Would you have any suggestions/advice on where we could look , who to call , websites , etc ?
@@AbtInsuranceAgency I think it’s Medicare. Part A & B. But this particular insurance company he has isn’t very good at all. They even discharged him from getting PT because they said he wasn’t making any progress. Which I think isn’t fair and not right. Plus they were only paying for him to get PT like once or twice a week .
This is kind of complicated. Please be patient with me. We don’t understand why my husband with is on ss disability because of a accident. Now all his medical needs for that injury are covered under what is called a Medicare set aside MSA. SO MEDICARE only is for his yearly physical and a couple meds he takes. He’s only 58 Why is his gap insurance premium so high?we live in Illinois.
Omg this is crazy. Medicare's deduction of $144 per month starts Feb, I cant afford that, but to get program help I can 9only earn another $300 per month ? Jeez, idk what to do, I need more income to survive!?
I will be 54 this july and i have been disabled for over 10 years. I am looking into getting better coverage than just A + B. I recently had to have a benign tumor removed from my foot. My co-pays and or gap payments came to a lot. I am also worried about having a hospital stay. I had some complications after the surgery and almost needed to require a hospital stay. Im still recovering from the surgey which was on 12/6/23. Basically i need some help and advice. Would you be able to assist me ? Thanks Joe
I am 51 years old and I receiving the Dis SSI But I make too much for Medicaid I am Brain injured stroke victim who needs caregiver help but cannot afford all these medical specialists and caregivers I don’t know what to do please help me
So I'm an SSDI recipient and in two months when I automatically get taken off Medicaid and put on Medicare, I'll lose my dental, eyecare, and have to pay 20% of my bills? What a damn screwjob
If you're already on Medicaid, you aren't taken off of it just because you start receiving Medicare. Medicaid will stop paying the full amount of your prescription costs because you will need a Medicare Part D drug plan to cover those, but if you have both Medicare and Medicaid at the same time, you automatically qualify for assistance in paying for your drug costs anyway; in that case both Medicare and Medicaid help pay for them.
![Medicare Disability Benefits - Options [Under Age 65]](/img/n.gif)
I am 64 and have been on SSDI for 4 years, you answered my question at 3:35. I was not able to get supplemental insurance originally but will go with plan G next year. Thanks
We’d be happy to help when the time comes! 888-465-9728
I love your TH-cam Channel, so much good info to educate those of us who are on social security & disabled, Thank You So Much For your diligent efforts to inform us. I am presently collecting Social Security Benefits for being Disabled as of 07/01/2023. I am 64 yrs old & will turn 65 on 06/30/2024. You mentioned that when a person turns 65 while on SSDI there will be another 6 month window to possibly shop & Save for a reduced cost to my Plan G. Please send me any Pertinent info so I can possibly save some money, Thank You Once again & best Best to you
Please email me directly for more information- stephanie@abtinsuranceagency.com. Thank you for watching!!
I am 61 and have been on said for about 10yrs, so I currently have Medicare. What's the best way to start looking for a supplement plan. I live in CA and already found out most companies won't offer supplement plan until I'm 62? Do I have to wait? Thank you
In Utah this year there are no insurers who offer Medigap plans to those under 65, so I went with a Medicare Advantage PPO plan.
@@mountaingirl2222 also, Utah does not take away assets under Medicaid. Estate recovery does happen following the death of a Medicaid recipient, but the state actually taking your assets doesn't happen. For instance, if you are living in your own home while on Medicaid, the state doesn't take possession of the house. They may require that the home be sold after your death in order to meet the recovery of the state's cost for your medical expenses while you were on Medicaid, but the state doesn't take possession of your assets. When you apply for Medicaid, if you have too much in income and assets that aren't considered exempt then you just don't qualify. Keep in mind too that you can apply for Medicaid assistance in any month that you've incurred enough in medical expenses to exceed any spenddown that Medicaid may assess, assuming that you otherwise meet the income and asset limits.
@@mountaingirl2222 Keep in mind that some Medicare Advantage Plans do not have an additional monthly premium beyond your Medicare Part B monthly premium. The plan I'm on is like that, nor do I have to pay a separate premium for the Part D drug coverage under my plan.
@@mountaingirl2222 You also should consider whether you can actually afford to pay the amounts for your medical care that Medicare doesn't pay without Medicaid assistance.
Question: if you turn 65 in June, when exactly do ypu pick a medigap plan coming from an advantage plan? When does it become effective?
You can pick a Plan up to 6 months before you turn 65! The effective date will be the first day of your 65th birth month.
My 28 year old Down syndrome son is on Medicare A,B, and D (for several years). He works part-time, pays his own part B and D premiums (out of his social security check). Very healthy. (Levothyroxin only med.) We live in Wisconsin. In case he has some major health issue he should probably get an Advantage plan, right? Are supplement plans even available to him?
What if my husband who may get a Full Disability (He is 60 yrs old)- is still under the MY (the wife's) PPO plan at work, a Premium health plan ? How should this be handled ? (we are in PA)
My wife will be 64 this October. She is on SS disability and has Medicare part A. She did not need part B as she is covered under my employer group plan. My plant is shutting down on November 30th and my next job is uncertain. She wants to go ahead and start part B and D and either get a Medigap plan or an advantage plan. My question is if she opts for an advantage plan this year can she switch to a Medigap plan when she turns 65 next year?
Would my spouses open enrollment be a time for me to qualify for supplemental coverage without underwriting?
You have a 6 month window after you become eligible.
Does that window start exactly? At the date it actually starts or does backdating comes into play. I had like a 3+ year fight for disability. I was approved by a judge in November 2021 and it was back dated to October of 2018. It may even get even further back dated because this was my first 2nd case and they use the original judges Denali date as a start because my first case was in the review case and it had not been sent back down to the courts yet which now it has.
Meaning I was automatically eligible/enrolled because the 24 mouth period started in 2018.
Yeah, either they have changed some of that or they made a mistake with me. I was approved for disability just 2 months ago, was paid back-payment, kicked off Medicaid a month later and immediately was sent a Medicare card (AB). No 24-month waiting period. Wish there was, rather stayed on Medicaid 2 more years. I haven't even got my monthly disability payment yet. Get the first one next month.
Been watching for awhile. My window begins 6/1/20 and will call. 👍
Looking forward to speaking with you!
You will have No regrets utilizing Stephanie ! read my comments under the "silver sneakers" video !
I am POA for brother receiving SSDI and he is eligible for Medicare in Sept. 2020. We live in FLA and I need to get him supplemental coverage. When do I start getting quotes and does FLA have specific insurance companies that offer coverage for 62 yr olds receiving SSDI?
You can start shopping now for Medicare Supplement Plans for him. When you are under age 65 Medicare Supplement Plans are regulated a bit differently, but I would be happy to show you his options. You can email stephanie@abtinsuranceagency.com or call 888-465-9728
I live in New York btw thanks again joe
My brother is under 65 has Medicare and supplemental plan due to disability. He started working again and his employer provides insurance for coverage for his family. Aware the employer insurance plan is the primary and Medicare is secondary as employer has excess of 20 employees. The question is how does his Medicare supplement kicks in?
If he has an employer plan as primary coverage, then he doesn’t need a Medicare supplement/Medigap plan.
Me again I wanted to tell you I live in New Hampshire
is Medicare Supplement available for medicare under 65 in Arizona?
I’m under 65.. I became eligible on 8/1/19...when does my 6 mo. open enrollment end or did it already?
Should I purchase Medigap ins. If still in open enrollment window or wait until I’m 65?
TiffiT. Your Medigap open enrollment goes until Feb 1st 2020 (if you’re Part B was effective 8/1/19).
You’ll also get a new Medigap open enrollment period when you turn 65!
Abt Insurance Agency Thank you! I’ve spent hours researching and didn’t realize until today that there are different rules for under 65.
You video is great! Thanks again! 🙏🏼
I thought it was 24 months after, it's been since may 2019, theyre already signing me up for medicare...I'm on state Medicaid now.
Jackie Sicilian 24 months is generally the amount of time you must be collecting social security disability benefits before you are enrolled in Medicare A and B. The other question was regarding Medicare Supplement open enrollment periods.
@@AbtInsuranceAgency Hi! Actually, Medicare starts 24 months after you're eligible to receive disability benefits, not 24 months after you've actually started receiving them. I started receiving my payments in October 2020 and started Medicare in December 2021, based on the fact that I was deemed eligible for disability back to June of 2019. (You must be considered disabled for 5 months before the 24 months starts, so in my case the 24 months began in December 2019). Not trying to be a know it all, just a clarification.
Hello Do u have any medical supplements Indiana
If I have a medicare plan A and B at age 45 due to disability and purchase a supplement plan N, can that insurance be taken away for getting involved in a return to work program? I have heard that supplemental medicare insurance is irrevocable, or is that only if over 64?
Medicare Supplement insurance can be cancelled at any time. I hope this helps!
If refused in underwriting for a supplement, is an Advantage plan better than traditional Medicare?
Cindy S that really depends a lot on your personal situation. We’d be happy to provide a free consultation - 888-465-9728.
Can you explain to me when eligibility start is it 2 yrs from the time you applied or when you first started receiving checks
Medicare A and B will begin after you have been on social security disability for 24 months.
The 2 yrs starts when you receive first payment
What states would be best to live in if on SS disability. ..?
My wife is under age 65 and has been on SSD for over well 24 months, but we have private medical insurance through my employer. She hasn't received a Medicare card and we haven't paid any monthly fee and/or aren't being billed for part B. I believe they gave us the option to opt out and I think we chose that option due to having private medical insurance. Is that possibly what we did since no one is contacting us for part B payment?
It sounds like you decided to decline/delay Part B due to having employer insurance, which is what many choose to do.
Zak age 62 on disability, LOW INCOME, ssa 536 and ssi 323. Recently I received my
Medicare card, effective from January 2023.
Part A,part B they checked but Part D and Part supplemental is not checked. My current medicade is pushing me to get medicare advantage plan C, and they said Original medicare will not cover vision, dental and Drugs. I like to take Original medicare. What do I do to get Part D and supplemental. Can I get 100%coverage because of my low income status. Kindly reply.
Hello Zak: That's because Medicare itself includes Medicare parts A and B automatically; you get to choose which Medicare Part D prescription coverage plan you want to add to that. Also, you can choose to receive your Medicare coverage through a Medicare Advantage plan (AKA "Medicare Part C") instead of Original Medicare; most Medicare advantage plans include Part D drug coverage in addition to Parts A and B. If you're sure you want a Medicare supplement plan you have to be receiving Original Medicare, not a Medicare Advantage plan. Keep in mind that it's not always possible to find an insurer who will issue a Medicare Supplement plan to people under age 65, and even if you do find an insurer that will issue plans to those under 65, you may find that the premium you will need to pay each month for the plan may be more than you can afford given your income. If that's the case, you may find that a Medicare Advantage Plan will work better for you. Being low income and having Medicaid will limit how much you will need to pay for your prescriptions each month.
My husband needs a supplement plan for disabled under 65
How do you get full Medicare if you’ve been on SSDI for 10 years? I’m confused?
If you're still on SSDI, you have Medicare. You would have received your Medicare automatically after being eligible for disability benefits for 24 months. If you are receiving Social Security retiree payments before age 65, you would have been automatically enrolled in Medicare at age 65. If you were a retiree who wasn't already receiving Social Security at age 65 you would have had to sign up for Medicare at age 65, unless you waited because you had health coverage through an employer.
My wife is under 65 and her medicare starts on 12/01/2019.At the moment we live in Illinois 62615 but are thinking of moving to Oklahoma 74055. Do you have any idea which state offers more choice in Medigap plans for under 65yo's...Thanking you
If you are looking for Medigap, IL will offer lower cost Medigap plans than OK for folks Under 65 with more insurance carriers offering different plans. I hope this helps!
My bf is a paraplegic due to car accident he has a spinal cord injury. So he is on Medicaid I believe , AmeriGroup. We live in the state of Tennessee. And it’s been hard trying to get him better insurance for PT & OT and other resources. Would you have any suggestions/advice on where we could look , who to call , websites , etc ?
Is he on Medicaid or Medicare?
@@AbtInsuranceAgency I think it’s Medicare. Part A & B. But this particular insurance company he has isn’t very good at all. They even discharged him from getting PT because they said he wasn’t making any progress. Which I think isn’t fair and not right. Plus they were only paying for him to get PT like once or twice a week .
This is kind of complicated. Please be patient with me. We don’t understand why my husband with is on ss disability because of a accident. Now all his medical needs for that injury are covered under what is called a Medicare set aside MSA. SO MEDICARE only is for his yearly physical and a couple meds he takes. He’s only 58 Why is his gap insurance premium so high?we live in Illinois.
Medigap insurance is regulated different for folks under 65, so the plans can be quite a bit more expensive.
How much a month is it if you don't mind me asking?
Omg this is crazy. Medicare's deduction of $144 per month starts Feb, I cant afford that, but to get program help I can 9only earn another $300 per month ? Jeez, idk what to do, I need more income to survive!?
Jackie Sicilian me too. I don’t know how they expect us to live off that much money....
Same here and I’ve been disabled ten years. And now Leukemia and not a lot of help...
I had no idea they charge people with disabilities $ for their mediacare. UGh!
my friend needs your help
Belinda Leigh Frazier have them give us a call at 888-465-9728.
I will be 54 this july and i have been disabled for over 10 years. I am looking into getting better coverage than just A + B. I recently had to have a benign tumor removed from my foot. My co-pays and or gap payments came to a lot. I am also worried about having a hospital stay. I had some complications after the surgery and almost needed to require a hospital stay. Im still recovering from the surgey which was on 12/6/23. Basically i need some help and advice. Would you be able to assist me ?
Thanks
Joe
Please email me at stephanie@abtinsuranceagency.com
I am 55 received my Social Security disability letter, February 1 of 2024. I live in Ohio how do I qualify?
You will be eligible for and auto enrolled in Medicare once you have been on Social Security disability for 2 years (24 months).
I know I don’t qualify for medicaid through the state. So I guess I go with no insurance until my two years is up.
I am 51 years old and I receiving the Dis SSI But I make too much for Medicaid I am Brain injured stroke victim who needs caregiver help but cannot afford all these medical specialists and caregivers I don’t know what to do please help me
well, damn .... as medicare by itself has no limit to what out-of-pocket costs could be ....
True, but Medicare Advantage plans do have out of pocket limits.
Medicare for someone who is 72 y.o.a. and is disabled
So I'm an SSDI recipient and in two months when I automatically get taken off Medicaid and put on Medicare, I'll lose my dental, eyecare, and have to pay 20% of my bills? What a damn screwjob
You wouldn't lose your Medicaid as long as you still qualify.
If you're already on Medicaid, you aren't taken off of it just because you start receiving Medicare. Medicaid will stop paying the full amount of your prescription costs because you will need a Medicare Part D drug plan to cover those, but if you have both Medicare and Medicaid at the same time, you automatically qualify for assistance in paying for your drug costs anyway; in that case both Medicare and Medicaid help pay for them.
M
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