Medicare
and ALS
At easyMed Insurance Services, it’s our job to make understanding Medicare and Medicare enrollment easy. If you have Amyotrophic Lateral Sclerosis (also known as ALS or Lou Gehrig’s Disease), there are a few important things to know.
Automatic Enrollment
Generally, Medicare enrollment eligibility begins three months before the month you turn 65. Individuals receiving disability insurance may enroll early, although Medicare requires a 24-month delay after recipients begin receiving disability benefits. That’s not the case if you have ALS, as eligibility as a result of disability can happen at any age. Unlike other disabilities, for those with ALS, Original Medicare coverage begins with your disability benefits.
If you have ALS, you should receive a Medicare card in the mail when disability benefits through Social Security begin paying out. This card is red, white and blue and states your Medicare Number, which you will need if you choose to enroll in a Medicare Advantage, Medicare Supplement Insurance (Medigap), or Prescription Drug plan.
Original Medicare Coverage
There are a few options for coverage when talking about Medicare, but you are automatically enrolled in Original Medicare when you start receiving disability benefits. The coverage for Original Medicare includes:
- Part A: This includes inpatient/hospital coverage. For example, care at a hospital, nursing facility, hospice and eligible home health services. Other covered services include medically necessary equipment or services to treat your condition.
- Part B: This includes outpatient/medical coverage. For example, medical equipment, lab tests, ambulance services, mental health care and preventative services.
Original Medicare (Parts A and B) doesn’t include coverage for prescription drugs. If you need or want coverage for prescription medications, you will need to enroll in an additional Medicare Prescription Drug plan. Additionally, if you are enrolled in Original Medicare, you will pay a Part B premium and deductibles for both Parts A & B out of pocket. After meeting your Part B deductible, you will be responsible for the remaining 20 percent of Part B services that Medicare doesn’t cover. Expenses for specialized services and physicians can add up quickly, which is why many people choose to look toward Medicare Advantage.
Additional benefits through Medicare Advantage
Original Medicare (Parts A and B) does not include coverage for numerous important benefits that individuals with ALS may desire, including:
- Vision
- Dental
- Hearing
- Prescription Drugs
- Home Health Care Services
- Fitness
- Transportation to and from medical appointments
- A budget for over-the-counter medical purchases
Medicare Advantage plans – offered by private insurance companies – include your Original Medicare coverage and may include many of these additional benefits in a single convenient plan. If you have ALS, you may find a Medicare Advantage plan to be more cost effective than Original Medicare. Many Medicare Advantage plans offer low-to-no premiums, deductibles and copays/coinsurance. Additionally, because Medicare Advantage plans often include Part D prescription drug coverage, obtaining your medication may be more financially friendly and convenient.
Special Needs Plan Eligibility
Some Medicare Advantage plans are designated as Special Needs Plans (SNPs). These plans are only open to individuals with certain conditions or situations, such as a neurological disorder. Special Needs Plans generally offer benefits specific to the condition they are designed for or include additional specialists in the plan network.
Enrollment Eligibility
Annual Enrollment Period (AEP)
Medicare Annual Enrollment Period runs each year from October 15 to December 7. What is the Annual Enrollment Period vs. Open Enrollment Period?
Initial Enrollment Period (IEP)
Your Initial Enrollment Period generally surrounds your 65th birthday but may occur if you otherwise become eligible for Medicare for the first time.
Special Enrollment Period (SEP)
You may be eligible if you experience a qualifying life event such as moving to a new zip code, losing employer coverage, or change in Medicaid status.
Speak to a Licensed Insurance Agent Today
1-800-991-4407 / TTY 711
Mon-Thu 8am-11pm, Fri 8am-9pm, Sat 10am-6pm ET
Aetna® Anthem® Cigna Healthcare® Humana® UnitedHealthcare®
Further Reading:
e-TeleQuote Insurance Inc. (“e-TeleQuote”), an affiliate of Primerica, Inc., does business as easyMed Insurance Services in all states other than New Mexico. e-TeleQuote is a duly licensed insurance agency appointed by Medicare Advantage HMO, PPO and PFFS plans and stand-alone prescription drug plans and insurance companies holding Medicare contracts approved by The Centers for Medicare & Medicaid Services (CMS). e-TeleQuote is not connected with or endorsed by the U.S. Government or the Federal Medicare Program. Enrollment in any plan for coverage is subject to insurance company approval. Enrollment in the plan depends on the plan’s contract renewal with Medicare. By using e-TeleQuote’s easyMedicare website, you understand and agree that in New Mexico, we operate as e-TeleQuote Insurance, Inc. (Your IP address and/or location coordinates may be gathered to verify your location.) Sales agents may be compensated based on your enrollment in a health plan. Medicare Supplement plans are not connected with or endorsed by the U.S. Government or the Federal Medicare program. e-TeleQuote complies with applicable Federal civil rights laws and does not discriminate on the basis of race, color, national origin, age, disability, sex, sexual orientation, gender identity, or religion. easyMedicare.com is a non-government site, powered by e-TeleQuote Insurance, Inc. e-TeleQuote provides a secure way to purchase Medicare insurance from the comfort of your home or workplace. We do not offer every plan available in your area. Currently we represent 5 organizations which offer 3,291 products in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-Medicare (TTY users should call 1-877-486-2048) 24 hours day/7 days a week, or your local State Health Insurance Program (SHIP), to get information on all of your options. Not all plans offer all of these benefits. Benefits may vary by carrier and location. Limitations and exclusions may apply. To send a complaint to Medicare, call 1-800-MEDICARE (TTY users should call 1- 877-486-2048), 24 hours a day/7 days a week). If your complaint involves a broker or agent, be sure to include the name of the person when filing your grievance.
Last Updated: October 13, 2023 MULTIPLAN_ETQEZMwebsite_2024_M