Enrolling into Medicare
If you become eligible for Medicare because of a disability, and have been receiving Social Security Disability Insurance (SSDI) or railroad disability annuity checks for 24 months, you will be automatically enrolled in both Medicare Part A and Part B.
You will receive a package in the mail three months before your coverage starts with your new Medicare card and a letter explaining how Medicare works and that you have been automatically signed up for both Medicare Part A and Part B.
For more information about how Medicare works for people who have a disability, download Health Insurance Options for Disabled under 65 Years of Age and visit Medicare for People with Disabilities.
Important Insurance Concerns for Disabled Medicare Beneficiaries
Enroll in Medicare Part B
Do not turn down Medicare Part B unless you have employer insurance from your or your spouse’s current job. If you do not have employer insurance and you turn down Part B, you may have to pay a premium penalty when you do sign up.
Buy a Medigap policy when you’re first eligible
The best time to buy a Medigap/Medicare Supplemental Insurance policy is during your 6-month Medigap open enrollment period which begins with your Medicare Part B effective date. The state of Maryland requires that Medigap insurers offer a limited number of Medigap policies to under 65 Medicare beneficiaries. Please contact the SHIP office at 301-255-4250 for additional information.
Learn about Maryland EID Program
The Employed Individuals with Disabilities (EID) Program offers Medical Assistance (Medicaid) coverage to Marylanders with disabilities who work for pay and who meet certain eligibility requirements. The EID program provides full fee-for-service Medical Assistance coverage and wrap around services for those with other health insurance or Medicare. The EID program lets you return to work and keep your health benefits by paying a small fee.
For questions on EID program eligibility and to obtain an application contact Shannon Minnick at 240-638-0070 or see Program Information for Employed Individuals with Disabilities.