Medicare Coverage for People with Disabilities Who Work

Medicare’s right to work for people with disabilities is divided into three different time frames. The first is the trial period, which extends to 9 months after a disabled person has received a job. The second is the seven years and nine months (i.e. 93 months) after the end of the trial period. Finally, there is an unlimited time after those 93 month period (see the bylaws at 42 USC. § 422 (c), also the decree at 20 C.F.R., § 404.1592). Bear in mind that Medicare entitlements during these periods only apply if the person continues to meet the medical standard, which is considered disabled according to social security regulations. Get a supplement plan here

Trial Work Period (TWP)

A person receiving a social security disability pension is entitled to an additional 9-month “trial” for a rolling period of 5 years. To qualify, an individual must earn at least a gross salary of $ 770 in 2014 or work independently for more than 80 hours. The 9 months of the trial period do not necessarily happen. During the trial period, the person performing such work cannot be excluded from obstruction and the use of social security and health care benefits. Independent evidence that the person is no longer disabled can end the benefits during the trial period. At the end of the nine-month trial period, work done during that time can be taken into account to determine if the person is no longer disabled and, therefore, not eligible for Medicare benefits and Social Security income.

Extended Period of Eligibility (EPE)

Persons who are still disabled but have a work income that exceeds or meets the level of substantial gainful activity may continue to receive Medicare health insurance upon successful completion of a trial period. The level of significant acquisition activity for 2014 is $ 1070 per month or $ 1,800 for the blind. This new funding period can last up to 93 months after the end of the trial work time, a total of 8 and a half years, including the 9-month trial work time. While the beneficiary does not pay any SSDI cash benefits during this time, it does not pay a premium for the Medicare health insurance part (part A). The premiums are due to the complementary part of the health insurance (Part B). Should the person’s employer have more than 100 employees, he or she must offer health insurance to people and spouses with disabilities, and Medicare becomes the second payer. For smaller employers who offer disability health insurance, Medicare remains the primary payer.

Unlimited access to Medicare:

After the 8 and a half years of extended Medicare coverage has elapsed, people with disabilities who cannot work may continue to receive benefits while they have medical disabilities. At that time, the person under 65 must pay the Part A premium and the Part B premium. The amount of the premium for Part A depends on the number of work quarters in which the person or his/her spouse have contributed to social security.

Medicare Coverage and Cancer Treatment

According to the National Institutes of Health (NIH), more than 1.7 million new cancers will be diagnosed in the United States in 2018. The good news is that mortality from cancer (deaths from cancer) is much lower than the incidence of cancer (i.e. new cases of cancer). The incidence of cancer is 439.2 per 100,000, while deaths from cancer are only 163.5 per 100,000 (depending on cases / deaths in 2011-2015). Some lives are saved by the treatment of cancer.  Get a 2019 supplement plan at

What are my options for cancer treatment?

The type of cancer treatment your doctor chooses will depend on what type of cancer you have and how advanced it has been. In the United States, there are many options for the treatment of cancer which include:

  • Surgery to remove cancerous cells from the body.
  • Radiation therapy to reduce tumors and kill cancer cells.
  • Chemotherapy which destroys cancer cells with medication.
  • Immunotherapy that can help the immune system fight and destroy cancerous cells.

According to the National Institutes of Health, surgery for the treatment of cancer may include the removal of a tumor that surrounds healthy tissue and near lymph nodes. Surgery works best with solid tumors that are contained in an area. An operation cannot be used for cancer of the blood or for cancer that has spread. Surgery is often combined with other treatments for cancer.

Medicare Part A and B may include certain cancer treatments for cancer patients, including (but not limited to) radiation therapy and chemotherapy. Your Medicare costs depend on whether you receive cancer treatment for outpatients or inpatients. Ensure you obtain the treatments for cancer from Medicare health care providers. This is to enable Medicare pays its share.

Medicare Part B can cover some cancer screening services, such as prostate cancer and breast cancer.

Is the cost of chemotherapy for cancer treatment covered by Medicare?

According to the National Institute of Health, chemotherapy treatments against cancer can inhibit the growth of cancerous cells either by eliminating them or by stopping them from splitting. Chemotherapy can be given in several ways, including by injection, mouth, infusion or skin. This depends on the type and stage of the type of cancer to be treated. The Medicare Part A program treats the chemotherapy and other treatments for cancer you receive as a hospital for patients after paying the Part A deductible.

Medicare Part B generally includes outpatient chemotherapy and cancer therapies, such as in an independent clinic or in a doctor’s office. For this case, you will pay 20% of the amount approved by Medicare after you have paid the Medicare Part B deductible.

Medicare also includes radiation therapy for cancer patients. If you are covered by Medicare Part A, you pay the excess inpatient and any additional payments. If you receive outpatient radiation therapy, you generally pay 20% of the Medicare-approved amount and the Medicare Part B deductible is true.

The cost of chemotherapy and treatment of the bladder tumor depends on a number of factors, including the time during which you receive treatment. If you receive many treatments, you may have to make substantial coinsurance payments, since Medicare is not limited.

Avail the extra advantages with the Humana Medicare advantage

Humana Medicare advantage plan is another method of availing the advantages that the original Medicare was willing to cover for you but in a different way and in a different approach. There are many such plans which let you avail the advantages of the whole of Medicare under a single plan which is convenient to one and all. Since you would cover all the expenses under one convenient plan, you can enjoy all the benefits that you were supposed to get under your original Medicare.

 Humana Medicare advantage

The Humana Medicare advantage plan may include the extra coverage that you require such as the expenses of dental, hearing and vision checkups. There are however many types of Humana Medicare advantage plan, which you can find at that you can avail to and some of them are discussed here are follows:

  • The Humana Gold choice private fee for service plan is one such which allows you to avail the services of the provider who are willing to serve you and thus accepts the plans and policies that the service plan has to offer. However, it is important that you keep in mind that the service providers who are not in contract under the plan do not require to serve you until and unless there’s any emergency case.
  • Humana Gold plus health maintenance organization plans allows you to avail their services and allows you to utilize their network so that you can get referrals from your physician or doctor and can avail the services of a specialist. You can do this under the Humana Medicare advantage plan because these Medicare plans allow you to avail the services that would not be usually allowed in a normal Medicare service.
  • Humana choice preferred provider network plans helps you out by paying most of your expenses if you utilize the doctors or hospitals that are enlisted under the network that you can utilize for your services. However, it is completely up to you if you so wish to avail the doctors outside of the network where you would have to pay more of the copayments that will be shared by the services that you will avail.


It is important that you know what advantages and disadvantages that you can make yourself available to by availing the Humana Medicare advantage plans. If you wish to avail their services it would be helpful for you.

Compare Medicare advantage plans and choose the best

With a vast amount of money spent on the Medicare plans, it is important that you know how many types of Medicare plans are there and their sub divisions too so that you can compare them and choose whichever you think is best suited for you. There are two types of Medicare plans and they are namely, Medigap and Medicare advantage plan. Medicare advantage plan takes care of your original Medicare and much more and it is cheaper compared to the two. But there are parts to Medicare advantage plan which you should know about before choosing a plan for yourself by going to

  • Health maintenance organization plan or HMO is one of the plans that Medicare advantage plan offers which allows you to see doctors and visit hospitals under the network of the plan. If you decide to visit a doctor not under the network, then the plan may not cover your expenses.
  • Preferred provider organization plan or PPO pays all your expenses whether you choose a doctor form the network r outside the network but the catch is that you will have to pay higher premiums for this service.
  • Private fee-for-service plan or PFFs pays a very specific amount for the healthcare charges to your doctor and your doctor has to accept the amount even if that amount is less than the fee that he charges. If the doctor refuses to do so, your Medicare advantage plan will not cover the expenses through that doctor.
  • Special needs plan or SNP is the plan for those who are in special need as the name of the plan signifies. It is mostly for men or women who are living in nursing homes or people who suffer from chronic diseases such as HIV/AIDS or diabetes etc.
  • Medical savings account plan or MSA s a plan where your expenses are deposited in an account from where you will have to pay for the expenses. The amount may vary according to the plan or may vary from plan to plan. The money is tax free as long as you use it in health care expenses.


It is important that you know all the Medicare advantage plans before settling down for one which might suit your fancy. Do compare and choose one that is the most profitable for you and within your budget.

Is Part D Necessary?

A portion of the costly things that a considerable lot of us need to manage on a month to month premise is our physician recommended medicine. If you have turned out to be qualified for Medicare plan An or B, you are consequently qualified to partake in Medicare part D also. This is professionally prescribed medication scope, and numerous individuals have possessed the capacity to bear the cost of their solutions because of qualifying for this administration run program. There are commonly, be that as it may, when individuals may pick to defer participating in the Medicare part D program. Here are a portion of the more typical reasons why that might be the situation.


Visit to enroll or get a free quote. For instance, if you are more than 65 years old and have effectively connected for and been acknowledged into the standard Medicare bundles, you may have protection through your boss that is superior to anything what is accessible through Medicare part D. At the point when a business has more than 20 workers, it is fundamental for him to offer you an indistinguishable open door for protection from the greater part of alternate representatives. This is valid, regardless of whether you additionally have Medicare. This might be one motivation behind why you would need to postpone getting into the Medicare plan D program.


If you are younger than 65 and qualify for Medicare section An or B, yet are as yet working, your boss may likewise offer you a superior medicine bundle than what is accessible through Medicare. This is the situation at whatever point a business has more than 100 representatives, as they are required by law to offer you a similar protection that is accessible to alternate workers. Numerous individuals can get better solution scope through their manager and they delay getting Medicare part D therefore.


It is imperative for you to see, in any case, that if your conditions change and it ends up fundamental for you to get Medicare remedy scope, you have a time of two months keeping in mind the end goal to apply for Medicare part D once your old protection slips. There are a few different stipulations that accompany this, and it might be different if you have COBRA. Ensure that you converse with your protection operator about these differences so you can join when vital keeping in mind the end goal to evade any late enlistment punishments that might be charged.

Medicare Prescription Drug Plan

To help concede costs for medicines, Medicare doctor prescribed medication scope can be utilized. To exploit the advantages, your remedies must be filled at a drug store that takes part in the program.


If you are and want to enroll in a supplement plan, visit  If you have Medicare Part An and B, you qualified for Part D, paying little respect to current health status, prior conditions, wage or assets. It lessens the costs identified with medicines that are extremely costly and for the individuals who take a few meds every month, with no medication scope. Enlistment in Medicare Part A, which pays for hospitalization and related administrations, is programmed. Part D is deliberate and you should select.


Medicare professionally prescribed medication scope, or Part D as it is additionally known, pays a specific rate for both brand name and non specific medicines. To exploit the advantages of this part of the program, you can choose one of the choices that is offered by a private protection supplier and endorsed by Medicare.

If your prescription costs are secured through a current gathering plan that is supported by your manager, you may choose not to enlist in the Medicare program quickly. Every year you will be notified in the matter of how your current plan measures up to the Medicare alternative.


A supplement medicate plan might be a choice if the gathering plan isn’t as far reaching. The manager of your present plan will have the capacity to furnish you with a portion of the alternatives that best address your issues. It’s anything but a necessity that your manager hold your present scope.


If they drop you from the gathering plan, you will have the capacity to join the Medicare professionally prescribed medication scope plan. They likewise have different alternatives. They can proceed with your current scope and organize with Medicare Part D. This would expect you to take an interest in the first Medicare plans. They could likewise offer scope that improves the Medicare alternatives.


They may pay a portion of your out of pocket costs once you are enlisted in the program. Despite the fact that Medicare doctor prescribed medication scope is useful if your present meds costs are high, it is likewise a smart thought to enlist regardless of whether you don’t require numerous medicines.


It is monetary assurance against unanticipated conditions that could significantly expand your costs overnight. If you are qualified for Medicare Parts An and B, you will be qualified for Part D, which causes you pay for your professionally prescribed medications. Not at all like Part A, there is no compulsory enlistment. If you have association or boss supported scope, chat with the overseer to discover what your best plan choices are.

Medicare supplement plan basics

What is a Medicare Supplement Plan? It is a kind of health insurance provided by private institutions that get contracts from governments. Private institutions could be religious organizations, insurance companies, union or other kinds of private institutions.  Get a free quote at

Part C covers for all of your medical insurance (Part A) and hospital insurance (Part B) benefits, but you have to follow certain rules when opting for this plan. Medicare supplement plan can also cover additional services, that is, those that may not be covered by other plans, but an additional amount may be charged for this. Services provided by this plan include; claims & payment processing, investigating fraud, clinical enrollment and call center services. Available options are:

  • Health maintenance organization.
  • Preferred provider organization.
  • Private fee-for-service plans.
  • Special needs plans.
  • Medical savings account plans.

What are benefits and payment plans?

Some of benefits offered by Medicare supplement plan include the following;

  • Self-administered prescription drugs.
  • Dental care.
  • Vision care.
  • Annual physicals.
  • Coverage outside the United States.
  • Out of Pocket limit (OOP).
  • Health club memberships
  • Reduction in the 20% co-pays and a high rate of deductions in original Medicare.

You do not give up on any of your plans enrolling in Part C, although you will have to be restricted to a certain network of health providers within your area of residence, except in emergencies. Members of this plan have to pay their additional monthly payment to their Part B premium for several of the benefits provided them which are not provided in Part A or Part B. Different private companies offer different payment plans, some of them even include prescription drug coverage (Part D). Therefore, it is better investigate plans around and find out the one that best suits you.

Who are basics?

It is possible to apply for supplement plan if you are:

  • Already enrolled in Medicare part A or part B.
  • Near a plan’s service area.
  • Among people who are on Medicare because of disability.

You cannot apply if you have a terminal disease like permanent kidney failure.

There are certain periods you can enroll for the Medicare Part C plan. It could be;

  • Within the 7-month period that begins 3 months before attaining the age of 65, this includes the month before and 3 months after this.
  • Between October 15-December 7. Within this period you can join, switch or opt out of your current plan.

You can opt out between January 1- February 14, and return to your original plan. From this period till October 15, you won’t be allowed to.