Disabled Individuals enrolling in Medicare Advantage Plans, is that possible?

Are you looking for disabled people Medicare benefits? Do you want Medicare Advantage plans to receive disability benefits? You may be eligible, if you are disabled even before turning 65, however, you must be first enrolled in the Medicare federal program. Florida Blue Medicare is great coverage for Seniors.

Disabled and Medicare eligible, is that possible?

Medicare can be availed for under age 65 people even with disabilities. Typically, there should be the social security benefits of disability or some benefits of disability for a period of 24 months continuously to be Medicare qualified. This benefit of disability can also be from RRB, the Railroad Retire Board. Generally, you become enrolled automatically in Medicare.

You may qualify even on getting diagnosed with any of these conditions even being under 65 years:

  • ESRD referring to the End-stage renal disease. This is a kidney failure that requires a kidney transplant or regular dialysis. In such cases, you do not get enrolled automatically, but your may be Medicare qualified. You must contact Social Security.
  • ALS referring to Amyotrophic lateral sclerosis. In this, you are automatically Medicare enrolled from the month you receive the benefits of disability.

 Medicare Advantage

Medicare Advantage plans is another way of receiving Part A and B Medicare coverage, regardless of whether you are disabled or not. The plan of Medicare Advantage are provided by the private insurance companies as approved by Medicare that offers Part A Medicare coverage for the hospital insurance and Medical insurance as per Part B coverage except for the Part A covered hospice care.  Precisely, on being qualified for Medicare owing to disability, the benefits of Medicare will be same as any other beneficiary.

Bear in mind that having the renal disease at the end stages alone may not be considered eligible for the Medicare Advantage plans. Yet, you are allowed to enroll in Medicare Advantage types of plans that feature Special Needs Plan and it is tailored with the ESRD for beneficiaries. SNP refers to special needs plan. These are limited to chronic condition beneficiaries where people require Medicare and Medicaid or are people who are living already in certain facilities. These plans may be inclusive of the coverage for prescription drug.

What Medicare coverage is given for disabled people?

Medicare coverage is for all disabled qualified is the same as people qualifying as per their age. Of course, you have the enrolling option in the Advantage plan or you can consider Part D as stand-alone for prescription drug.