If you are under 65 and are disabled, you will automatically receive Medicare Part A and Part B (also known as Original Medicare) in addition to receiving Social Security disability benefits or disability benefits from the Retirement Board of Railroad for a period of 24 months.
You should receive a Medicare card during the 25th month in which you receive disability benefits. Even if you return to work, you can continue to receive Part A benefits for up to 8.5 years at no additional cost.
If you have Amyotrophic Lateral Sclerosis (ALS), you automatically receive Part A and Part B in the month your disability benefits begin.
As with seniors, Medicare requires those under 65 to make deductibles before their Medicare coverage actually begins. Even after the deductible of Part A or Part B has been met, co-insurance may oblige both Medicare and the patient to pay part of a medical bill. Similarly, some services that are partially covered by Medicare may incur additional payments or expenses.
Part A coverage has a deductible of $ 1,132. Your insurance does not begin until you meet this excess for a period of time known as the benefit period. This begins on the day you enter the hospital or nursing home and lasts until you have received hospital or nursing care for 60 consecutive days.
If at the end of a service period, you get hospitalized or in need of care, you must re-fulfill the deductible. There is no limit to the number of times you will need to fulfill this deductible.
Part B helps with medical care, home nursing, lab testing, outpatient treatment, and other non-hospital care services. It has an annual deductible of $ 162, after which it pays 80 percent of a pre-approved rate for services provided by health care providers other than hospitals. You are responsible for the remaining 20 percent. If your doctor calculates more than the Medicare rate, you are also responsible for the excess.
Depending on which Medigap plans are available in your state, you may be reimbursed for Part A and Part B deductibles. Certain Medigap plans also cover the 20-percent Medicare routines. You are expected pay for doctor services as well as fees that your doctor charges exceeding the Medicare set rate.
When can people under the age of 65 receive Medicare Supplement insurance?
If you have Medicare Part B for medical services, you may be eligible for Medicare supplementary insurance in many states. The open enrollment will take six months after your Part B cover goes into effect.
During this time, many states guarantee your right to buy a Medicare supplement or Medigap plan, no matter what health problems you have. No underwriting is required so there is no possibility that your application will be rejected on the basis of a precondition.
Of course, when you turn 65, you have a second opportunity for an open application. It is extended by six months after you turn 65. If you already have Medigap insurance at this time, you can switch to a different plan without checking the medical risk assessment.