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Frequently Asked Questions

Is disability covered under Medicare?

If you can establish that you suffer from a long-term disability that prevents you from working, you may qualify for monthly Social Security Disability Insurance (SSDI) payments, which will also automatically qualify you for Medicare.

Does Someone on Social Security disability get free Medicare?

You are eligible for Medicare two years after your entitlement date for Social Security disability insurance (SSDI). (This is the date that your backpay was paid from; see our article on when medicare kicks in for SSDI recipients ). Medicare isn't free for most disability recipients though. There are premiums, deductibles, and copays for most parts of Medicare, and the costs go up every year.

Can I buy Medicare supplement insurance while disabled?

Yes, you may be eligible to purchase a Medicare Supplement Insurance plan if you are under 65 and are enrolled in Medicare because of a disability. Federal law does not require states to sell Medicare Supplement Insurance policies to people under 65, but certain state laws do.

What does disability qualify for Medicare?

Medicare coverage is the same for people who qualify based on disability as for those who qualify based on age. For those who are eligible, the full range of Medicare benefits are available. Coverage includes certain hospital, nursing home, home health, physician, and community-based services.


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