How much is the Medicare costs of Part B for a person who is below 65 years old and has a disability?
Medicare costs for doctors’ visits, outpatient care, and some preventive services will be covered if you enroll for Medicare Part B. You are eligible for Medicare Part B if you have been receiving disability benefits from Social Security for 24 months. A person undergoing kidney dialysis or suffering from Lou Gehrig’s disease (ALS) can also enroll in Medicare Part B. If you paid Medicare taxes, this Part is free (for hospitalization). Medicare Part A, on the other hand, covers hospital expenses. If you have paid Medicare taxes, then you don’t have to pay for the monthly premium. For Medicare costs to be covered, you are required to pay the deductible and complete your payment. Medicare usually pays 80 percent of the allowable charges. There are Medicare Advantage plans that have lower premium than Medicare Supplemental Plans, some of which can go for $35 a month. In some states, the insured don’t have to pay the premium from select plans and may even get a Medicare Part D. Part D is the plan for prescription drugs. Usually, Medicare pays the premium for individuals who qualify for Medicaid. However, you may have to pay around $10 to $15 in co-pays for medical services. Also, don’t confuse Medicare Part B with Medicare Supplements. The latter is usually bought for coverage outside your regular Medicare plan. Coverage may include coinsurance, deductible, and other services. You may still have other options to cover your Medicare costs which your state’s Department of Insurance can provide. You can ask for a list of insurance companies that offer Medicare supplement plans for individuals under 65 years old. Answer by Mike B – June 19.2009 @ 11:16 am 2 CommentsLeave a comment |
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Medicare costs for a person with disability and under 65 years old is about $93.50 as of 2007. But given the recent developments in the health care system in the United States, it may have increased The state government may be able to help you pay part of your Medicare costs if you cannot afford it. The cost will also depend on your income. If you have a high income, you have to pay a higher premium.
If you are eligible for Medicare, regardless of age, you can enroll in Part B when you first become eligible. The monthly premium that you pay for 2009 is dependent on your income. If you earn less than $85,000 per year, your premium will be $96.40 per month
Comment by Moderator — June 24, 2009 @ 11:29 pm
I am on disability, due to cancer, but I will not be 65 when the 2-year referral to Medicare B. I have good private insurance, from my school retirement. I do not want to loose that before I have to at age 65, if I live that long, which is unlikely. Can I keep my insurance, refuse Medicare B, until I am 65?
Comment by Mary — August 19, 2009 @ 7:46 am