"There is considerable debate about what should be done to improve the healthcare system overall and for people with disabilities in particular."
People with disabilities have crucial healthcare needs, but often experience difficulty in receiving much-needed treatment, according to Allsup, a nationwide provider of Social Security disability representation and Medicare services.
Allsup outlines steps to better manage healthcare costs before Medicare eligibility and important factors when selecting a Medicare plan
"There is significant risk for people with disabilities if they go without care or medications that they need to manage their conditions," said Paul Gada, Allsup's personal financial planning director. "Many people, for various reasons, can struggle to get the care they need before and after they become eligible for Medicare."
An important benefit for those who are awarded Social Security Disability Insurance (SSDI) benefits is receiving Medicare coverage. However, most people must wait 24 months after qualifying for SSDI cash benefits to receive this coverage.
There is considerable debate about what should be done to improve the healthcare system overall and for people with disabilities in particular. In fact, the National Council for Disability report issued on Sept. 30 calls for healthcare reform to address the needs of people with disabilities. The NCD's suggestions included ensuring that people with disabilities have access to healthcare coverage, making sure it is affordable and removing limitations for pre-existing conditions.
But there are a number of immediate steps that can help people manage costs and access to care, as Allsup outlines below.
Managing Healthcare Costs before Medicare Eligibility
Allsup's free Personal Finance portal outlines several ways to reduce costs while awaiting Medicare eligibility, including:
Medicare Enrollment: Selecting the Right Plan
It can be a tremendous relief once someone becomes eligible for Medicare, Gada said. "But to make the most of this benefit, you should evaluate your unique needs before you choose your Medicare plan," he said.
The following are factors to consider, Gada said, noting that Allsup professionals assist with these and other steps for customers as part of the Allsup Medicare Advisor®, a Medicare plan selection service:
Choosing a Medicare plan can be daunting for anyone. However, the decision is even more critical for those with a condition that requires ongoing medical treatment or costly medications.
"To arrive at the best decision, you have to understand what your needs are and how they will be covered under each plan," said Gada. "Then, be sure you re-evaluate your Medicare coverage each year, because both your needs and your options can change."
Reference: Allsup is a nationwide provider of Social Security disability, Medicare and workers' compensation services for individuals, employers and insurance carriers. Celebrating its 25th anniversary in 2009, Allsup employs more than 600 professionals who deliver specialized services supporting people with disabilities and seniors so they may lead lives that are as financially secure and as healthy as possible. The company is based in Belleville, Ill., near St. Louis. For more information, visit www.Allsup.com
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