Social Security Disability and Medicare – 3 common myths
Here are common myths about Medicare that all SSDI recipients need to be aware of:
Myth #1: You must be 65 to receive Medicare benefits.
While this is true for many people, there are certain conditions that allow you to begin receiving Medicare coverage earlier, such as a disabling condition that qualifies someone for SSDI benefits. Social security disability recipients are eligible for Medicare benefits 24 months after their date of disability.
There are also certain conditions, such as ALS, that qualify people or Medicare the 1st month they become eligible for social security disability.
Myth #2: Medicare covers all healthcare costs.
Many people mistakenly believe that Medicare covers all healthcare-related costs when, in fact, it does not. Long-term care (nursing home), most dental care and eye examinations related to prescribing glasses or contact lenses are not covered under Medicare. Even for the services that Medicare does cover, there will still be a deductible or co-pay. Medicare will cover 80% of the costs of most services. There are supplemental Medicare plans available, such as Medicare Advantage and Medicare Part D that offer further coverage – but add an additional cost to you.
Myth #3: Medicare costs the same for everyone.
When it comes to Medicare coverage, everyone does not pay the same amount. While there is a standard charge for Medicare Part B (medical insurance) coverage, there are surcharges that high-income individuals will have to pay. Most SSDI recipients will not face these surcharges.