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Why am I becoming eligible for Medicare?

Individuals who have received Social Security Disability Insurance (SSDI) for 24 months automatically become eligible for Medicare. About three months before your Medicare eligibility date, you will receive your red, white, and blue Medicare card in the mail. An Ancillary Benefits Specialist will contact you. You will continue to be covered by Medicare for as long as you are medically disabled under Social Security’s standards.


How do I enroll in Medicare?

If you are receiving SSDI benefits, you will automatically be enrolled in Medicare Part A and Medicare Part B in the 25th month of your disability payments. You will be enrolled sooner if you suffer from ALS or End-Stage Renal Disease. Prior to your Medicare eligibility date, Medicare will send you an initial enrollment package containing information about the program, an Initial Enrollment Questionnaire, and your Medicare card. If you choose to keep Part A and Part B, all you have to do is sign the card and keep it. To review your options relative to additional Medicare benefits that are available to you, call Premier Disability Services at (877) 749-5262 to speak with a Medicare Specialist.


Do I have to enroll in Medicare if I have other insurance coverage?

Medicare rules allow you to delay enrollment in Medicare Part B and Medicare Part D without penalty if you are covered by an employer group health plan that covers 100 or more employees, only if that health coverage is based on your or your spouse’s current, active employment. If your other health insurance coverage is NOT based on the current employment of yourself or a family member, it is likely that you will need to enroll in Medicare. We suggest that you contact the employer to determine your obligations under the terms of your insurance plan. In any case, you will need to make some decisions relative to your Medicare coverage. When you call for your free consultation, the Medicare Specialist can help you determine your best options.


Can I get help paying for Medicare?

The Low-Income Subsidy (LIS) program, also known as “Extra Help,” is available to help pay a portion of Part D prescription drug costs, including premiums, copayments, and deductibles, for certain people with low incomes and minimal assets. Depending on your income and assets, the Extra Help program may provide a full or partial subsidy. Some people are automatically enrolled in the Extra Help program, while others must apply for the subsidy.


What is the difference between Medicare and Medicaid?

Medicare is a federal health insurance program for people age 65 and older, people under age 65 who receive SSDI benefits, and people of any age who suffer from End-Stage Renal Disease. Your income does not affect your eligibility for Medicare. Medicaid, is a joint federal and state program that helps with medical costs. To qualify for Medicaid, you must have low income and limited resources.


Can my spouse receive Medicare?

Yes, but only if the spouse is going on Medicare or is already on Medicare.