Most people know that Medicare can help people over the age of 65 cover their health care costs. Did you know that those approved for Social Security disability benefits in Knoxville can also apply for Medicare? The Medicare program—which is designed to help recipients cover the costs of doctor visits, prescription medication, hospital stays, and more—can be an ideal solution for those living with mental and physical disabilities. As Social Security disability and SSI advocates, our law firm helps clients navigate the complicated landscape of Medicare.
When Can I Enroll in Medicare?
Those receiving Social Security disability benefits in Knoxville become eligible for Medicare coverage after a 24-month waiting period. To shorten the gap, previous periods of disability may count towards this waiting period, such as times where the individual was receiving worker’s disability benefits, disabled widow’s or widower’s benefits, or childhood disability benefits.
Medicare Coverage
There are several different types of plans within Medicare that can be utilized independently or combined. Working with a lawyer who is versed in both SSDI and Medicare law can help you understand your options and make informed choices about your health care.
- Medicare Part A: Hospital Insurance helps pay for hospital stays, home health care, time spent in skilled nursing facilities, and hospice care.
- Medicare Part B: Medical Insurance helps pay for doctor visits, mental health care, outpatient surgery, lab tests, and durable medical equipment (DME) such as walkers, wheelchairs, and canes.
- Medicare Advantage Plans (sometimes referred to as Part C), include the provisions found in parts A and B, with additional coverage options for prescription drugs, dental, and vision care. For many individuals struggling with complex medical conditions, this option provides the most comprehensive and cost-effective coverage. The specifics of coverage vary depending on the plan chosen.
- Medicare Part D helps cover the cost of prescription drugs.
- Medicare Supplement (Medigap) policies are an additional form of insurance that can be added onto parts A, B, and D. This coverage can help pay for other out-of-pocket costs not covered by your insurance plan(s).
Do I Need an SSDI or Medicare Lawyer to Apply?
No, you do not need a Medicare lawyer to apply. Anyone who meets the basic qualifications can apply for Medicare independently, however, there are distinct benefits to acquiring legal counsel. Navigating the Medicare application process can be challenging; having a qualified lawyer by your side can help you make informed decisions regarding your future care.
Contact Us for a Free Consultation
If you are applying for Social Security disability benefits in Knoxville, appealing a decision, or have just been approved, we want to help you with the next steps. Our law firm is dedicated to advocating for the rights of disabled individuals. To encourage individuals to seek the help they need, we offer free consultations to all potential clients. Reach out to book your appointment today.
