If you’re under 65 and Medicare-eligible because you’re disabled, you can enroll in a Medicare Advantage (MA) plan. MA plans for disabled individuals may provide more coverage than you would get with Medicare alone, at a relatively affordable rate.
Medicare Advantage Plans for Disabled Under 65
Medicare coverage includes Part A and B. Many people buy Part D; then, a supplement plan to cover deductibles, copays, and coinsurance.
Medicare Advantage is Part C, which is “all in one” coverage private insurance companies sell. MA plans provide at least as many benefits as Parts A and B, and sometimes more.
Many MA plans cover drugs. Premiums, deductibles, copays, and coinsurance are set by the insurance companies; there are no two same exact plans.
If you’re under 65 and receiving Social Security or railroad retirement benefits because of a disability, your enrollment in Medicare is automatic after you get benefits for 24 months.
There are two specific conditions that can make you eligible for Medicare sooner:
- If you have ALS, also known as Lou Gehrig’s Disease, you’re automatically enrolled in Medicare the month your benefits begin.
- If you have end-stage renal disease, you can contact the Social Security Administration to enroll in Medicare.
In general, if you’re eligible for Medicare, you can choose to enroll in a Medicare Advantage plan, regardless of your health.
People with end-stage renal disease are the exception – you cannot enroll in most Medicare Advantage plans, but you may qualify for a different type of Medicare Advantage plan known as a special needs plan.
Medicare Supplements for Disabled People Under 65
The most popular Medicare Supplement, Plan F, covers almost everything that Medicare doesn’t; including the 20 percent coinsurances, deductibles, and additional days of hospitalization.
If you’re under 65, there’s a catch; the government doesn’t require states to offer supplement plans to people under 65. Also, they may not be available in your state.
Additionally, premiums are much higher for people under 65, and they tend to have high yearly increases.
This means that if you’re under 65, it may be hard for you to get or afford Medicare Supplement coverage. A Medicare Advantage plan may be a better alternative than just having Medicare Parts A and B alone.
Medicare Advantage Eligibility for Disabled People
Your Initial Enrollment Period for a Medicare Advantage plan begins three months before the month you’re enrolled in Medicare, and it ends three months after the month your Medicare benefits begin.
You can also enroll in or change Medicare Advantage plans twice during the year.
- Annual Election Period (October 15th to December 7th)
- Medicare Open Enrollment Period (January 1st to March 31st)
Many people on disability have chronic conditions, these conditions may qualify you for a Medicare Advantage Special Needs Plan. This kind of policy isn’t available in all areas; however, they offer a larger network of local doctors that specialize in treating your condition.
Some SNP plans are for Medicare and Medicaid beneficiaries; if you think you qualify, talk to an agent today
Switching from Medicare Advantage to Medigap At Age 65
If you’re disabled and are turning 65, you can switch from Medicare Advantage to Medicare and sign up for a supplement during your OEP – a six-month window that begins on the first day of the month you turn 65.
Signing up for a Medigap plan during this time means the insurance company must sell you a policy, and they can’t charge you extra because of health issues.
If you wait, your policy will be medically underwritten, and your health situation could mean that you’ll be unable to get a policy at all.
Find Medicare Coverage for Disabilities
At MedicareFAQ, we know you need the best Medicare coverage possible to stay on top of your health. We can get quotes from top insurance companies for Medicare Advantage and Medicare Supplement insurance – with no obligation.
Give us a call at the number above, or fill out our quote form.