Medicare for individuals on Disability
Navigating Medicare due to disability can feel overwhelming — we’re here to help you understand your options and make confident decisions for your healthcare.
Medicare Plan Options For Disability Beneficiaries
While Original Medicare provides essential coverage, it does not cover all healthcare expenses, and individuals on disability often face higher medical costs. To help fill those gaps, there are additional plans available:
Medicare Advantage Plans (Part C)
These plans combine hospital and medical coverage and often include prescription drug coverage, dental, vision, and more. Availability can vary by location and carrier.
Medicare Supplement Plans (Medigap)
These plans help cover out-of-pocket costs, but not all states offer Medigap plans for individuals under 65.
Medicare Prescription Drug Plans (Part D)
These are standalone prescription drug plans to help with the cost of medications.
When we meet with clients who are on Medicare due to disability, we take the time to explain plan differences, review provider and medication needs, and make sure you understand what’s available in your area. Our mission is to help you find coverage that fits your health and financial needs — both now and in the future.
If you receive Social Security Disability Insurance (SSDI), you will automatically become eligible for Medicare after 24 months of receiving disability benefits. This qualifying period is in place before Medicare coverage begins. For individuals with certain conditions like End-Stage Renal Disease (ESRD) or Amyotrophic Lateral Sclerosis (ALS), eligibility may begin sooner.
Once eligible, you will have access to Medicare coverage that helps with both hospital-related services and outpatient medical care. However, the options and available plans for individuals under 65 on Medicare due to disability can be more limited than those for individuals who qualify by age. That’s where we come in — to help you sort through what’s available and make the best choice for your situation.