Medicare and Disability Coverage

Do you have Medicare insurance due to a medical condition? If you have recovered from the health situation that qualified you for Medicare, you may lose Medicare insurance.

However, you do not automatically lose your Medicare coverage just because you are no longer entitled to social benefits. How do you know when your Medicare coverage ends? Get more information in this article.

The Medicare program is available to certain people with disabilities under the age of 65. These people must have received social security benefits for 24 months, or have amyotrophic lateral sclerosis (ALS, also known as Lou Gehrig’s disease), or end-stage renal disease (ESRD). There will be a waiting period of five months after a beneficiary is considered disabled before a beneficiary benefits from social benefits for the disabled. People with ALS and ESRD, unlike those with other causes of disability, do not have to earn benefits for 24 months to qualify for Medicare.

If I’m disabled, who decides if I get Medicare insurance?  Get information on medicare advantage plans at www.medicareadvantage2019.org/ for 2019.

The Social Security Administration (SSA) will decide if you qualify for social security benefits, including Medicare coverage. The SSA classifies disabilities into 3 categories:

  • Expected medical improvement
  • Possible medical improvement
  • Medical improvement is not expected

The SSA checks if your condition is likely to improve, so you can go back to work. The agency occasionally conducts competency checks to see if your condition has improved. They verify your current condition and use approved medical guides by the state and other sources to decide if you are qualified.

For people who suffer from permanent and severe disabilities, there is no “due date” for their social security benefits. While you are still challenged, you will still receive disability benefits until you attain the age of retirement. At this time, benefits are converted into pension benefits and paid until death. Your Medicare coverage will normally continue without interruption.

Can I get Medicare insurance if my disability benefits are suspended?

Your Medicare insurance may continue if disability benefits from your Social Security Administration (SSA) are suspended. For example, your Medicare benefits may persist:

  • If your SSA benefits were terminated because you could work
  • If you have not recovered from your qualified medical condition

SSA has many types of programs that help people with disabilities return to work. For instance, the extension of the Medicare coverage period allows you to receive Medicare protection for a limited time after you return to work. Even when the end of the extended Medicare insurance has reached, you can buy Medicare Part A and B by payment of monthly premium if you still have a medical condition.

Will my Medicare coverage end when I get better?

To avoid mismanagement of taxpayer’s money, SSA will notify Medicare if you no longer qualify for Medicare disability benefits. You will be notified if your Medicare coverage ceases because you recovered from the disability for which you were entitled. Your Medicare insurance usually ends one month after receiving this notice.

If you lose your Medicare insurance because you have recovered from a disability, you may have other health care options.