Medicare, Medicaid, and Disability

When you apply for Social Security Disability Insurance or Supplemental Security Income, it is due to having some form of medical condition that impairs your ability to work. Oftentimes, these conditions require ongoing medical care so that the patient can experience as high of a quality of life as possible. Of course, those who are on either Social Security Disability Insurance or Supplemental Security Income tend not to have a lot of expendable cash on hand to help pay for medical treatment. This is where another facet of disability comes into play – that of Medicare and Medicaid. One or both of these programs may become available to you once you get approved for disability treatments.

What’s The Difference?

Medicaid is a poverty program that is run differently in every state, whereas Medicare is the national insurance program. The premium for Medicaid for both of these programs is deducted from your disability check, but the medical attention that you are entitled to is well worth the cut from the check. There are four different parts of Medicare, which are called A through D. If you would like to learn more about Medicare or learn how to enroll for these benefits, you can visit the website.

Medicaid is a little more complicated because it is run by the states and thus there are different rules, requirements, and provisions that it offers depending on where you live. There are no premiums deducted from your disability payments when you are part of Medicaid, but you may have to furnish money for a co-pay depending on your state. Not all doctors will accept Medicaid, but Medicaid tends to be better for covering prescription drugs as compared to Medicare.

If you are approved for either Social Security Disability Insurance or Supplemental Security Income, you will be eligible for Medicare through the federal government two years after you are accepted to the program. If you are awarded Supplemental Security Income, you will be entitled to Medicaid as soon as you are accepted to the program. Those who only have Social Security Disability Insurance are generally not considered eligible for Medicaid, due to the fact that Supplemental Security Income is considered a form of welfare whereas Social Security Disability Insurance is reliant on the work the claimant did prior to sustaining the disability in question.

No matter which program you apply for, there are medical benefits that can come alongside the monetary ones. Remember to stay healthy and keep going to the doctor!