Q:

How do you qualify for both Social Security disability and Medicare?

A:

Quick Answer

To qualify for both Social Security Disability and Medicare, you must first submit a Social Security Disability claim. If approved to receive either SSID or SSI, you then qualify for Medicare. However, this qualification is only available after you have been eligible for disability benefits for 24 months.

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Full Answer

Social Security Disability beneficiaries qualify for Part A of Medicare. They are required to enroll in Medicare Part A when it is offered even if they have other insurance coverage, and failure to enroll may result in the need to pay back some Social Security Disability benefits. Medicare becomes a secondary insurer if you have a major medical cover, and in this case, Medicare covers existing gaps after the primary insurer pays what you would normally pay. Part A covers hospice care, inpatient hospital stays and some home health care.

Social Security Disability recipients are also offered Medicare Part B. This part covers certain doctor's visits, preventive services, medical supplies and out-patient services. Unlike Part A, which is free, you pay a premium for Plan B based on income.

Recipients with Medicare Parts A and B can enroll in Parts C and D. The Part C health plan is offered by a separate company that is contracted by Medicare to offer Part A and Part B benefits. Part D covers prescription drugs, and interested individuals should join when enrolling for Medicare to avoid certain penalties that apply when joining later.

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