How to Enroll in Medicare If Under 65 and Have a Disability

 Wondering how you can enroll in Medicare if you are under 65 and have a disability? Get the help of a licensed Medicare insurance agent who can provide comprehensive assistance.

 

 

Although Medicare is a federal health insurance program that serves people aged 65 and over, it also provides comprehensive assistance to more than 8 million people who suffer from disabilities aged under 65. That said, qualifying and enrolling for Medicare for people with disabilities can be overwhelming.

 

It is better to consult a licensed Medicare insurance agent who can help you understand the program's intricacies and assist with enrollment. Let’s take a detailed look at how to enroll in Medicare if you’re under 65 and have a disability.

Who Qualifies for Medicare Under 65?

To qualify for Medicare under 65, the Social Security Administration first examines whether you meet the disability criteria. Disability is a condition that deprives you of a monthly income through an illness or condition expected to last at least a year.

 

Some examples of qualifying disabilities are the following:

 

· Parkinson’s disease

· Heart disease

· Multiple sclerosis

· Mental illness

· Lupus

· Cystic fibrosis

· Permanent kidney failure (ESRD)

· Amyotrophic lateral sclerosis

 

Disabled beneficiaries can receive the same medical benefits as seniors enrolled in the program.

 

Waiting Time for Medicare Benefits

With most conditions, the health insurance coverage becomes active 24 months after a beneficiary receives Social Security Disability Insurance payments. Recipients start receiving SSDI payments five months after being deemed eligible. However, it is important to note that the 24-month waiting period doesn’t apply to ESRD and ALS.

Enrolling in Medicare

If you become eligible for Medicare due to a disability that is deemed to be eligible for Medicare, you’d automatically enroll in the program after 24 months of your disability. That said, it is always important to consult with a Medicare agent who can help you understand the program's intricacies and how they can benefit you. Understanding the program can be quite stressful, and a licensed agent can break it down so that you can better understand the benefits.

Where to Find Reliable Medicare Agents

If you’re looking for a reliable agent to help you understand the complexities of getting Medicare with disabilities, check out The Modern Medicare Agency. They have a network of reputable, experienced, and knowledgeable agents who can assist you with all your Medicare needs.

 

Their agents and independent advisors aim to educate people on various aspects of Medicare and can help with enrollment assistance in programs such as Medicare Part D supplement plans.

 

Get in touch with their representatives today for more information.