How Is My Pre-Existing Condition Covered Under Medicare?





Medicare recipients do not have to worry about whether or not Medicare will cover a preexisting condition. Preexisting conditions do not matter when a person signs up for Medicare. Health problems are covered as soon as a person qualifies. The only exception where a person with a preexisting condition might have to wait is if he is under 65 and needs to receive Social Security Disability benefits. His preexisting condition will not get covered for up to two years. People without a permanent disability may have their cases reviewed periodically from time to time to see if they are still disabled.

Does Medicare Impose a Waiting Period?

When a person reaches the age of 65, he qualifies for the Federal Government’s program for older Americans. The government does not care whether or not a patient suffers from a preexisting condition. All that matters is the age group. A person on social security disability who has not reached the age for Medicare benefits receives the benefits automatically after two years. A previously existing condition usually put a person in this situation on the disability rolls. Once a person begins to receive benefits, his condition is covered from the time benefits start.

What About Supplemental Plans and Preexisting Conditions?

Medicare Supplemental Plans are not administered by the government. A private insurance company can impose a waiting period on an individual before it will cover a preexisting coverage. Medigap plans extend a beneficiary’s Medicare coverage, the plans do no replace the base coverage. Additional services needed by someone with a preexisting condition may have a waiting period for Medigap subscribers. A person with a preexisting condition has enough to worry about. Medicare, at least in this instance, does not make things worse for the patient. He has plenty of other things to worry about.



One Response to “How Is My Pre-Existing Condition Covered Under Medicare?”

  1. Cheryl Peterson says:

    I need advice. I have a friend with epilepsy. He has worked full time up until about 3 years ago. He had to reduce his work to 25 hours. 1 Year ago, he started having so many seizures that he can’t work.

    the issue is this. He has no assets. Applied and was approved for SSDI in Dec 2010. Received his first check in Jan 2011. Is there any way he can NOT wait 24 more months for MEDICARE? ANY information about this would be helpful. Including seeking an attorney. Thank you.