If you’re the parent of a disabled child, navigating the complex world of healthcare coverage can be overwhelming. One of the most pressing concerns is often how to qualify for Medicare. In this article, we’ll break down the requirements for Medicare eligibility for disabled youths and explain other potential coverage options.

Qualifying for Medicare Coverage

If your child is under the age of 20, they can only qualify for Medicare if they have End-Stage Renal Disease (ESRD). In addition, they must need dialysis on a regular basis or require a kidney transplant. It’s also essential that at least one of their parents receives or is eligible for Social Security retirement benefits.

For children over the age of 20, Medicare coverage is possible after receiving Social Security Disability Insurance (SSDI) benefits for at least two years (24 months). Your child may still be able to receive SSDI even if they have no work history, as long as they developed a disability before age 22, have at least one parent who receives Social Security retirement benefits, and are unmarried.

Exploring Other Coverage Options

If your child is 18 or younger and doesn’t qualify for Medicare, they may be eligible for your state’s Children’s Health Insurance Program (S-CHIP). S-CHIP is a program designed for families with low incomes and provides affordable healthcare options for children in need.

If your child is 19 or older, they may qualify for Medicaid, a federal and state-funded program that provides healthcare coverage to low-income individuals and families. Eligibility requirements for Medicaid vary by state, so be sure to research the options available to you.

Navigating the World of Healthcare Coverage

Qualifying for healthcare coverage for disabled youths can be a complicated and overwhelming process. However, by understanding the different requirements for Medicare eligibility and exploring other options like S-CHIP and Medicaid, you can ensure that your child receives the care they need. If you need assistance, reach out to the team at Plan Medicare, we can assist in finding Medicare coverage for your youth in need.