Dealing with the costs of medical care can become even more frightening after a person suffers a serious illness or injury. The illness or injury, by its very nature, tends to increase the medical expenses the person must pay because of the increased care and treatment that is needed for the condition.
As mentioned last week in this blog, however, there are options available to those suffering from a disability. An award of SSD benefits can provide a much-needed financial lifeline after a person is no longer able to continue working. However, there are additional benefits beyond the disability benefits themselves.
Typically, after a person obtains disability benefits for two years, the individual is automatically enrolled in Medicare. Medicare Part A helps individuals pay for inpatient hospital bills and certain follow-up care that may be needed. Medicare Part B, on the other hand, helps pay the person’s doctors’ bills, outpatient care and other medical services. Most individuals have both Part A and Part B. Medicare Advantage plans may also be available, as well as prescription drug coverage under Part D.
Medicare coverage can make a huge difference when it comes to paying the high costs of medical care. Accordingly, individuals who have suffered a disability should be aware not only of their right to disability benefits, but to the other advantages that disability benefits can bring.
Source: Social Security Administration, “Disability planner: Medicare coverage if you’re disabled,” accessed on Oct. 1, 2016