Medicare is a health insurance program offered by the United States federal government. It is available to people age 65 or over or those who suffer long-term or permanent impairments that prevent them from working. There are two general ways people get coverage through Medicare:
- Original Medicare (Parts A and B); or
- A Medicare Advantage Plan (Part C)
For many who qualify for Medicare, this is the only affordable option for health care insurance coverage.
Qualifying for Medicare in Pittsburgh or the Surrounding Areas
The qualifications for Medicare are the same nationwide. Most people who qualify for Medicare coverage do so because they are age 65 or older. You become eligible health insurance through Medicare on the day you turn 65.
You can also get Medicare by qualifying for disability benefits through the Social Security Disability Insurance (SSDI) program and receiving this type of disability for 24 months or more. To qualify for this program, you must have:
- An established work history and enough credits to meet the current minimum; and
- A qualifying long-term or permanent impairment
There are also other important qualifications you must meet to be eligible for this type of monthly payment overseen by the Social Security Administration.
Medicare Health Insurance Coverage Includes Several Parts
For those who opt to get Medicare through the original program get three parts of coverage: Parts A, B, and D. Part A is free for most people, but there is a premium for Medicare Part B and D. The government bases these premiums on your adjusted household income. Each part provides coverage for different medical services.
Medicare Part A
Medical Part A is sometimes called hospital insurance. It pays out for inpatient care in a hospital or skilled nursing facility. It also pays for hospice and end-of-life care. It may include some home health care costs.
Medicare Part B
Medical Part B requires you to pay a monthly premium, but it provides medical insurance for patients’ most common needs. This includes doctors’ visits and care, preventative care and immunizations, outpatient services and care, medical supplies, and more.
Medicare Part D
Medicare Part D provides prescription drug coverage. For many who have chronic or terminal conditions and require prescription medications, this coverage is indispensable.
Berger and Green Can Help You Understand Your Options for Disability and Medical Coverage
At Berger and Green, our attorneys can help you understand your options for pursuing disability payments through Social Security Disability Insurance or Supplemental Security Income (SSI). We can answer your questions and help you file your claim. We can also help you file an appeal and fight a denial if the Social Security Administration denies your initial claim.
We will also explain how you can qualify for Medicare or Medicaid based on receiving SSDI or SSI benefits. Call us today at 412-661-1400 to learn more during your free case evaluation.