Social Security Disability Insurance (SSDI) and Medicare coverage

By | March 2, 2015

If you receive Income from Social Security Disability (SSDI) , you probably have Medicare or are in the waiting period of 24 months before they begin to have Medicare. In any case will have health coverage options. You automatically get Part A and Part B after you get disability benefits from Social Security or certain disability benefits from the RRB for 24 months.


If you receive Income from Social Security Disability (SSDI) and have Medicare

  • According to the health care law, you are considered covered and not have to pay the penalty they have to pay the uninsured.
  • You can not join a Market plan to replace or supplement Medicare coverage.
  • There is one exception: If you are enrolled in a plan Market before receiving Medicare, you can keep your plan Market as supplemental insurance when you enroll in Medicare. But if you do, you will lose any premium tax credit and other savings plan in its Market.


If you receive SSI Disability and no Medicaid

You can apply for Medicaid, but depend on your condition if you have to do or requests

  • In many states SSI recipients automatically qualify for Medicaid and do not have to fill out an application for Medicaid.
  • In other states, your SSI guarantees eligibility for Medicaid, but must register.
  • In a few states, the SSI does not guarantee eligibility for Medicaid, but most people who receive SSI are eligible.

The time you can spend before you receive a decision on their disability status is unknown, so it is important not to assume that receive Social Security Disability Insurance (SSDI). When calculating your income on the application of the Market, do not include SSDI payments that you think you can give.


If you report a negative decision on your disability

If you report a negative decision on your disability, you can fill out an application and apply for coverage Market. You can find out if you qualify for a private health plan with tax credits and lower premium costs based on the size of your home and your income. When you apply, you will also find out if you qualify for Medicaid coverage.

  • When completing the application Market, answer “yes” when asked if you have a disability. We will send your request to the Medicaid agency for your state. If you qualify, they will help you enroll.
  • If you do not qualify for Medicaid, you may qualify for savings in a health plan market.