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what is the best option for those who are disabled?
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PostPosted: Mon Feb 09, 2009 10:39 am   Post subject: what is the best option for those who are disabled?  
what is the best option for those people who are disabled & who are in really need of health insurance.As i am not aware about this topic.as one of friend needs to know what are different schemes (health insurance) for those who are disabled? Question Question
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amit
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PostPosted: Tue Feb 10, 2009 11:43 pm   Post subject:   
They have to usually wait 2 years to get medicare if they have qualified for social security disability. There are usually a couple of options available in most (but not all) states.

If their state has risk pool insurance this is usually the best option and in most states has pretty extensive coverage.

If their state does not then their only other option is Guaranteed issue limited benefit plans, mini med plans, and discount plans. If they have frequent routine medical treatments these will save them money but will not provide a lot of coverage for large claims.
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PostPosted: Wed Feb 11, 2009 6:18 am   Post subject:   
Quote:
They have to usually wait 2 years to get medicare if they have qualified for social security disability.


Well, the applicant has to meet severe qualifying criteria in order to qualify for the Medicare benefits. And, things may go worse if you have disabilities that are hard to determine, such as-disabilities associated with back injuries. I'm interested in knowing the alternatives available to the disabled apart from the state run programs.
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