SSDI Eligibility for Medicare: Is SSDI automatically eligible for Medicare?

SSDI Eligibility for Medicare: You should get your Medicare card in the mail during your 22nd month of SSDI payments. It will cover both Medicare Part A (hospital insurance) and Part B (medical insurance).
July 17, 2024Posted inPersonal Finance
SSDI Eligibility for Medicare
The first month you get your SSDI check is the start of this waiting time. By the beginning of your 25th month on SSDI, you will automatically be signed up for Medicare.

SSDI Eligibility for Medicare: You might be wondering if you automatically qualify for Medicare if you get Social Security Disability Insurance.

Yes, but there’s more to it than that. Besides people over 65, Medicare covers disabled people too.

Medicare is automatic if you’re approved for SSDI. This eligibility doesn’t kick in right away.

You have to wait 24 months before getting SSDI.

The first month you get your SSDI check is the start of this waiting time. By the beginning of your 25th month on SSDI, you will automatically be signed up for Medicare. You should get your Medicare card in the mail during your 22nd month of SSDI payments. It will cover both Medicare Part A (hospital insurance) and Part B (medical insurance).

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SSDI Eligibility for Medicare: How much do Medicare premiums cost for people on SSDI?

You can get some home health care and stay in a hospital through Medicare Part A. Most people who get SSDI don’t have to pay extra for Part A. Part B of Medicare covers some medical devices, doctor visits, and outpatient care. Part B is different from Part A in that most people have to pay a monthly fee.

People who qualify through SSDI don’t have to pay a premium for Medicare Part A, but they do have to pay a premium every month for Medicare Part B. The usual fee for Part B in 2024 is $174.70 per month.

You will typically have the premium deducted from your SSDI check. The premium for Part B can be higher depending on your income.

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SSDI Eligibility for Medicare: Medicare Parts A and B also incur the following costs:

Part A Costs (2024):

  • For each benefit period, the deductible is $1,632
  • After the deductible, full coverage is available for days 1-60
  • Coinsurance for days 61-90 is $408 per day
  • 91 days and beyond: $816 per day coinsurance (60 days over a lifetime)
  • Upon exhaustion of lifetime reserve days, you are responsible for all costs

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Part B Costs (2024):

  • The annual deductible is $240

After the deductible, some services are covered fully, while others require you to pay 20% of the Medicare-approved amount

Medicare Part B can be declined if you have other health coverage that better fits your needs or budget.

It’s important to weigh this decision carefully, as delaying enrollment can result in penalties and coverage gaps.

To ease the financial burden of premiums and other expenses, Medicare assistance plans are available.

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