1. Who Qualifies for Medicare Due to Disability?

You may qualify for Medicare before age 65 if:

• You have been receiving Social Security Disability Insurance (SSDI) for at least 24 months.
• You have End-Stage Renal Disease (ESRD) (kidney failure requiring dialysis or transplant).
• You have Amyotrophic Lateral Sclerosis (ALS) (also known as Lou Gehrig’s disease)—Medicare starts immediately after SSDI benefits begin.

2. When Does Medicare Coverage Begin?

• If you qualify based on SSDI, Medicare begins after 24 months of disability benefits.
• If you have ALS, you are eligible for Medicare immediately after receiving SSDI.
• If you have ESRD, coverage usually starts the first day of the fourth month of dialysis (or sooner with home dialysis or a transplant).

3. What Medicare Plans Are Available for People with Disabilities?

Once eligible, you’ll have access to the same Medicare options as seniors:

• Medicare Part A (Hospital Insurance) – Covers hospital stays, skilled nursing, and home health care.
• Medicare Part B (Medical Insurance) – Covers doctor visits, outpatient care, and preventive services.
• Medicare Part C (Medicare Advantage) – A private insurance plan that combines Parts A & B, often with extra benefits.
• Medicare Part D (Prescription Drug Coverage) – Helps pay for medications.
• Medigap (Supplemental Insurance) – Helps cover out-of-pocket costs (availability varies by state for people under 65).

4. How to Apply for Medicare with a Disability

You don’t need to apply separately if you’re receiving SSDI—you’ll be automatically enrolled in Medicare when eligible. However, if you qualify due to ESRD, you must apply through Social Security or your dialysis facility.

1. Visit Social Security´s website or call
2. Complete the application for Medicare due to disability.
3. Provide required medical and financial documents

5. Help with Medicare Costs

Many people with disabilities qualify for financial assistance, such as:

• Medicaid – Covers additional medical expenses for low-income individuals.
• Medicare Savings Programs – Helps pay for premiums, deductibles, and copays.
• Extra Help – Lowers prescription drug costs under Part D.

Conclusion

Medicare provides essential health coverage for people with disabilities. If you’re unsure about your eligibility or need assistance, contact Social Security or Medicare for guidance.

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