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Get Medical Insurance As A Disable

Get Medical Insurance As A Disable

In Alaska, you can get medical insurance as a disable or if you are suffering from any chronic and severe health condition. You can avail it by means of any of three major programs named Medicaid, Medicare and Alaska High-Risk Pool.

Medicaid

You can get medical insurance as a disable or a blind; or if your earnings are too low; or majority of your income is spent for healthcare purposes, through Medicaid. Mostly, individuals who are suffering from any disability are eligible for this program as they receive SSI or Supplement Security Income. However, you can get it when you are trying to guess whether you are qualified for SSI. You are eligible for Medicaid, even if you are not eligible for SSI.

You can contact at the office of Alaska Medicaid program for further information on Medicaid.

Medicare

You can get medical insurance as a disable by means of Medicare program. You are still eligible for it, if you have not reached the age 65 or if your disability may continue for more than 12 months; or it may cause death.

To get medical insurance as a disable through Medicare, you must apply for the SSDI or Social Security Disability Insurance. Moreover, you must get your SSDI at least 4 months prior to you can apply for Medicare. Till then, you need to opt for another way of medical insurance, such as COBRA.

To gather more information on SSDI, you can contact the office of Social Security Administration or you can visit www.medicare.gov.

Alaska High Risk Pool for the individuals with health conditions

You can get medical insurance as a disable or if you are suffering from any chronic and severe health condition by means of Alaska High Risk Pool. This is a state-operated program that sells medical insurance to few number of people that are refused by the insurance providers or are provided with very little or costly health policies; as they or any of their family members are disable or suffering from a health condition.

For further information on Alaska High Risk Pool, you can contact Alaska Comprehensive Health Insurance Association or can visit their official website at www.achia.com.

Verify whether you are eligible and if it is so then which conditions are covered and how much could be the expenses. If you earn less then ask whether the pool will provide you with additional help by paying for the premiums.

More Ways to Find Out

Since, such programs are so complex, you may need additional help. For instance, a huge number of people are refused to get coverage under Medicare or Medicaid for the first time; and then, they need to apply once again. You can follow the below-mentioned ways,

  • You can contact Alaska Legal Services or visit their website at www.alsc-law.org.
  • You can visit www.lsc.gov.
  • Being a Medicare beneficiary, for information and assistance regarding Medicare, you can contact the office of State Health Insurance Assistance Programs.
  • For legal as well as advocacy services to get medical insurance as a disable, you can contact at the office of Disability Law Center of Alaska or visit their official website at www.dlcak.org.

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