Medicare for Disability

Medicare Coverage for Disability

Understanding Medicare Eligibility for Those Under 65

If you are under 65 and living with a disability, you may qualify for Medicare coverage. At ACBS Insurance Services, we understand that navigating Medicare can be overwhelming, especially if you have a disability. Our experienced team is here to guide you through the process, ensuring you get the coverage that suits your needs and provides peace of mind.

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Who Qualifies for Medicare Disability Coverage?

Individuals under 65 with disabilities may qualify for Medicare if:

You’ve been receiving Social Security Disability Insurance (SSDI) for at least 24 months.

You have Amyotrophic Lateral Sclerosis (ALS) or End-Stage Renal Disease (ESRD), both of which may qualify you immediately for Medicare without the 24-month waiting period.

Understanding Your Medicare Options

If you qualify for Medicare due to a disability, you’re eligible for the same Medicare options available to those 65 and older:

Medicare Part A

Hospital coverage, including inpatient care and skilled nursing facility care.

Medicare Part B

Medical insurance, covering doctor visits, outpatient services, and preventive care.

Medicare Part C (Medicare Advantage)

Private plans that combine Parts A and B, often with additional benefits like vision, dental, and prescription drug coverage.

Medicare Part D

Prescription drug coverage.

Supplemental Medicare Coverage for Disability

Since Original Medicare does not cover all healthcare costs, many individuals with disabilities choose to enroll in a Medicare Supplement (Medigap) plan or Medicare Advantage plan. These options help cover out-of-pocket costs such as deductibles, copayments, and coinsurance. Our team can help you determine if these plans are right for you, and guide you through enrollment.

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How ACBS Helps You Navigate Medicare Disability Coverage

At ACBS Insurance Services, we are dedicated to simplifying Medicare for individuals with disabilities. Here’s how we help:

A doctor consulting an elderly couple.

Personalized Guidance

We listen to your needs and recommend the best coverage for your health and financial situation.

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Ongoing Support

We provide year-round support to ensure your plan continues to meet your needs as they evolve.

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Expert Advice

With access to over 50 insurance carriers, we offer unbiased advice and help you compare options.

Get the Coverage You Deserve

Navigating Medicare with a disability can be complicated, but you don’t have to do it alone. At ACBS, we’re here to provide expert support and help you secure the best plan for your needs. Contact us today for a free consultation.

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