How to Apply for Medicare
Medicare is best understood as the health insurance aspect of Social Security. It is available to specified disabled individuals and persons who are at least 65 years old. It is the most cost-effective health insurance available for senior citizens and disabled persons but can seem like a complicated mess of alphabet numbers: Part A, B, C and D.
There are four parts to Medicare: Part A (Hospital Insurance), Part B (Medical Insurance), Part C (Medicare Advantage) and
Part D (Prescription Drug Coverage). Medicare is not a perfect insurance plan and has some deductibles, limited payment periods and service restrictions that must be taken into consideration. Even so, everyone who is eligible should have Medicare coverage and take the optional Part B coverage at the earliest time allowable (unless they have another plan that gives them better coverage).
Conditions for Coverage
If you begin the application process for
Social Security Disability benefits , you can apply for Medicare at the same time, even if you are under the age of 65. Applications can be made online or at your field social security office. Once you receive your disability award, you can receive Medicare benefits under these conditions:
- You receive SSD benefits and have Lou Gehrig's Disease
- You have been a SSD recipient for 24 months
- You have worked long enough in a federal, state or local government job and meet requirements of the SSD program
- Other special circumstances
Anyone can file a complaint or appeal regarding their Medicare benefits. According to Medicare.gov,
You can file a complaint (also called a "grievance") if you have a concern about the quality of care or other services you get from a Medicare provider. How you file a complaint depends on what your complaint is about. A grievance is a complaint about the way your Medicare health plan or Medicare drug plan is giving care. For example, you may file a grievance if you have a problem calling the plan or if you're unhappy with the way a staff person at the plan has behaved towards you. However, if you have a complaint about a plan's refusal to cover a service, supply, or prescription, you file an appeal.
Allow Our Firm to Help
If you have questions about how to apply for Medicare or any other questions about this federal health insurance, don't think that you are alone; you are not! Please reach out to an experienced attorney today At Disability Action Advocates. We have 20 years of experience helping individuals with their Medicare issues and look forward to helping you as well. Our attorneys are extremely familiar with the laws that govern Medicare and are eager to review your particular situation and guide you through the process to help you obtain the best coverage available. We offer a free initial consultation and welcome your contact to schedule your appointment.