One of the primary questions for those receiving disability benefits is if they’ll also be eligible to receive Medicare or Medicaid insurance coverage. Fortunately, whether you receive Social Security Disability Insurance (SSDI) or Supplemental Security Income (SSI), you will be eligible for some sort of government medical insurance. However, the type of insurance coverage that you will receive depends entirely on which disability program you are enrolled in, SSDI or SSI.
Find out if you can get Medicare or Medicaid while on disability and learn why it is a good idea to hire a California disability lawyer after a denial.
If you’ve been approved to receive SSDI disability payments, then you will be eligible to receive Medicare insurance coverage. However, there is a mandatory two-year waiting period before your coverage will be granted. This two-year period starts from the moment you were eligible for SSDI payments, whether you were actually receiving those payments or not. The start date of the waiting period must be at least five months after your disability occurred.
If you receive Medicare coverage because of SSDI, then your hospital visits will be free under Medicare Part A. You will, however, be required to pay monthly premiums for Medicare Part B and Medicare Part D, which covers doctor’s visits and prescription drugs, respectively. Should you have trouble paying your premiums and copays because of a lack of income, there are programs that may assist you.
Earning Medicaid Coverage
In a majority of states, any person who is approved for SSI benefits will automatically be given Medicaid insurance coverage. Medicaid eligibility will begin a full month after you have applied for enrollment in the SSI program.
The federal government allows states to impose stricter rules for receiving SSI than what you expect at the federal level. If you live in one of these states, the biggest difference is that the asset level that precludes you from SSI and Medicaid is much lower. Fortunately, if you live in one of these restrictive states, you are allowed to deduct your medical expenses from your income in order to qualify for SSI and Medicaid.
Let’s say, for example, that your monthly income is $1000 and the SSI income limit in your state is $800. If you have $250 of monthly medical expenses, you can deduct this amount from your income, which means SSI and Medicaid would consider your monthly income to be $750, making you eligible for insurance coverage and disability payments.
What to Do if You’ve Been Denied Coverage
Unfortunately, it’s possible for someone who has been approved for SSI to be denied Medicaid coverage. If this has happened to you, you don’t have to accept the decision. After being denied Medicaid coverage, it’s a good idea to contact a California disability lawyer. An attorney who is experienced with Social Security rules for Medicare and Medicaid coverage can examine your condition and tell you the best way to fight your coverage denial.
Consult a California Disability Lawyer
If you’re counting on receiving Medicare or Medicaid coverage to pay for your medical expenses, then you need advice from a California disability lawyer from The Law Offices of Dr. Bill LaTour.
We understand how important Social Security benefits and insurance coverage are to your continued well-being, and we can help you be approved or fight a denial. Reach out to one of our attorneys today and start fighting for your rights.