What Medicare Benefits Are Available for Those with Disabilities?
Medicare coverage is the same whether you qualify based on disability or age. Eligible people have access to the FULL range of Medicare benefits. Your coverage includes certain hospital, home health, nursing home, physician, and community-based services. The healthcare services do NOT have to be related to your disability to be covered.
Can People with Dementia, Mental Illness, and Other Long-Term and Chronic Conditions Get Coverage?
Yes. There are NO illnesses or pre-existing conditions that would disqualify you for Medicare coverage. As a beneficiary, you’re entitled to a personal assessment of whether you meet coverage requirements.
Can Working People (Under 65) with Disabilities Also Get Medicare?
Yes. Medicare eligibility for these people falls into three time frames:
- Trial Work Period (TWP): extends for nine months after a disabled person gets a job.
- Extended Period of Eligibility (EPE): 93 months after the end of the TWP.
- Indefinite Access to Medicare: as long as the person remains medically disabled, he or she can continue to receive Medicare benefits — even after the 8.5 year period of extended coverage has ended.
I’m under 65 and have a disability. I want to return to work. Can I keep my Medicare benefits?
Yes. You can keep your coverage for as long as you’re medically disabled. If you go back to work, you won’t have to pay your premium for Part A for the initial 8.5 years. You’ll pay the premium after that.
If you cannot afford it, you may qualify for the Medicare Savings (QMB) Program that helps pay premiums and other cost-sharing.
For more information on Medicare and your coverage options in Florida or Texas, give Lacayo Group Insurance a call.