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Medical Coverage for the Disabled

If you’re disabled and considering applying for Social Security Disability (SSDI) benefits, health insurance or medical coverage is probably on your mind.

If you are approved for SSDI benefits, will you be able to get Medicare coverage as well? After all, you need healthcare coverage now more than ever before.

Here’s your answer: When disabled individuals are approved for disability benefits, the Social Security Administration (SSA) automatically enrolls them after they have been receiving disability benefits for two years.

The SSA enrolls people in the following two parts of Medicare: 1) hospital insurance, and 2) medical insurance. Let’s take a closer look at these:

  • Hospital insurance (Part A) goes towards some types of follow-up care and inpatient hospital bills. When you were working, you paid taxes that went toward this coverage, so it doesn’t cost you anything.
  • Medical insurance (Part B) goes towards doctors’ bills, medical care, and outpatient hospital care that you receive. If you want this coverage, you will have to pay a monthly premium.

Should you have just Part A, or should you have both? According to the SSA, most people have both Part A and Part B – so the majority of people pay a monthly premium for medical insurance. If you have questions about hospital and medical insurance, feel free to ask our Dallas SSD lawyer about them.

Are There Other Parts of Medicare?

Yes, there are. In many areas, people can take advantage of Medicare Advantage (Part C) plans. If a person has Medicare Parts A and B, they have the option of receiving all their healthcare services through plans that are approved (by Medicare) and offered by private companies.

Additionally, all individuals who have Medicare also have access to prescription drug coverage (Part D), which helps pay for their prescribed medications.

Interested in learning more about SSD benefits and Medicare coverage? Contact The Zendeh Del Law Firm, PLLC today to schedule a consultation!