Health reform is currently a hot topic, with passionate views from both sides on how we can better transform our health system. However, most people agree that something should be done about the costs of medical care. An astonishing number of Americans have critical health needs that are simply ignored due to the cost of treatment.
In particular, people with disabilities have many health problems and often have difficulties in obtaining adequate treatment. Some people with disabilities are eligible for Social Security Disability Insurance (SSDI), which provides them with a regular monthly income and medical benefits. A key advantage of SSDI is getting Medicare benefits. But people have to wait for 24 months for their SSDI claim on Medicare. So, what will happen if you need funds for medical care now and cannot wait for two years? While there seems to be no way to avoid this 24-month of waiting except you have end-stage kidney disease or Lou Gehrig’s disease, there are some ways to reduce your health care costs before you qualify for Medicare. Once you have qualified for Medicare, you should also make sure you register for the right plan for your health and financial condition.
Treatment of health costs before Medicare Qualification.
Even if you receive Medicare benefits and SSDI, it is important that you maintain your existing health insurance. Check if you can join your spouse’s insurance plan with another private insurance company. If you have health insurance with your previous employer, you may qualify for COBRA. COBRA gives you the opportunity to maintain your employer’s group health plan for up to 18 months after the end of your employment.
You can receive an 11-month extension if you have received SSDI benefits. The next step is to negotiate lower health costs, but first investigate. Determine the typical cost of the procedure you need and the cost that your doctor or hospital normally charges. Do not be afraid to look around and see if you can do it at a cheaper price in another hospital or qualified medical office in the area. It does not hurt to ask your doctor if he can give you a discount. Find out if the facility offers free financing or advance payment options or.m Finally, check how it reduces the cost of prescription drugs. Many costly prescriptions have generic alternatives that do their job well enough, and can save between 50% and 70%, according to the Food and Drug Administration. However, always meet with your doctor before changing to a new drug or generic medication. In addition, many large pharmaceutical firms provide financial assistance programs to assist individuals with limited means. Eligibility differs by manufacturer; however, these programs must be researched to potentially reduce health care expenses. Many states also provide policies that can assist in paying for prescription drugs. Every state has its eligibility rules. The Medicare privilege also presents its own challenges. You can have dozens of Medicare plans Depending on where you live.