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Spring, Texas, 77388
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(470) 610-5710
DISABILITY AND MEDICARE
Medicare is a federal health program designed to help cover medical costs for eligible individuals. There are three main categories for Medicare eligibility: age, disability benefits, and specific health conditions.
If you receive disability benefits from Social Security or the Railroad Retirement Board, you may qualify for Medicare even if you're under 65.
Disability Benefits
Individuals under 65 who have been receiving Social Security disability benefits for at least 24 months are eligible to enroll in Medicare. You will be automatically enrolled in Medicare on the 25th month of receiving those benefits. The same rule applies if you receive disability benefits from the Railroad Retirement Board.
Once you're automatically enrolled in Medicare, you'll receive your Medicare card in the mail approximately three months before your coverage begins on the 25th month.
Amyotrophic Lateral Sclerosis and End-Stage Renal Disease
Amyotrophic Lateral Sclerosis (ALS) and End-Stage Kidney Disease
Individuals with certain health conditions, such as end-stage renal disease and amyotrophic lateral sclerosis, are eligible for Medicare without having to wait 24 months.
If you are diagnosed with end-stage renal disease, you qualify for Medicare if you require regular dialysis treatments or a kidney transplant. Coverage typically begins after your first dialysis session or after three months of receiving dialysis treatments.
For those diagnosed with amyotrophic lateral sclerosis, Medicare enrollment starts in the first month after you begin receiving Social Security Disability benefits.
What If I Decide to Work?
You can absolutely keep your Medicare coverage while returning to work, as long as you remain medically disabled. During the first 8.5 years of your Medicare coverage, you'll benefit from premium-free Part A. After that, you will need to begin paying the premium. If you encounter challenges with these payments, there are assistance programs available, such as the Qualified Medicare Beneficiary Program, which can help cover your Medicare premiums if you qualify.
At Topflight Insurance Solutions, we are dedicated to helping you find the Medicare plan that best fits your needs. Reach out to us today at (470) 610-5710 and let us guide you in obtaining the coverage you need.
To learn more, contact us today by giving us a call at (470) 610-5710
Frequently Asked Questions
New to Medicare?
What is Medicare and How Do I Qualify?
Medicare Advantage plans are offered by private insurance companies contracted through Medicare as an alternative to Original Medicare. These plans combine all of the benefits of Medicare Part A (hospital) and Part B (medical), and may also include prescription drug coverage, if they are Medicare Advantage Prescription Drug Plans.These plans combine all of the benefits of Medicare Part A (hospital) and Part B (medical), and may also include prescription drug coverage, dental or vision coverage all for an affordable and sometimes $0 monthly plan premium.
What is Medicare Advantage (Part C)?
Medicare Advantage plans are offered by private insurance companies contracted through Medicare as an alternative to Original Medicare. These plans combine all of the benefits of Medicare Part A (hospital) and Part B (medical), and may also include prescription drug coverage, if they are Medicare Advantage Prescription Drug Plans. These plans combine all of the benefits of Medicare Part A (hospital) and Part B (medical), and may also include prescription drug coverage, dental or vision coverage all for an affordable and sometimes $0 monthly plan premium.
What are Medicare Prescription Drug Plans (Part D)?
Medicare Part D plans add prescription drug coverage to Original Medicare, some Medicare Cost Plans, some Medicare Private Fee-for-Service (PFFS) Plans, and Medicare Medical Savings Account (MSA) Plans. A prescription drug plan may help you save money on existing prescriptions or on medication needs in the future.
Not affiliated with the United States government or federal Medicare program. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
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