insurance project 2015

MusicThis is a concern that many parents beneficiary share,and it's a very valid concern.  Now, depending on the type of benefitsyour son receives, and the type of health insurance he has,the answer varies.  All individuals who receiveSSDI once they've been entitled for 24 monthsare entitled to Medicare.  There is medicare Part A, which is hospitalization,part B, which is outpatient, and part D, which is prescription drug coverage. Now, when a person goes to work, if heworks his way off of cash benefits, then he still entitled to receive medicarefor at least 93 monthsfollowing the completion of his trial work period. And if you remember from our previous conversation the trial work period lastsnine months. So, he is covered for Medicareno additional cost, for over8 years once he starts work, and that'sif he begins working above substantial gainful activity. So he'll be able to keep his medicare for quite some time.  And even after that,he'll still have the option to purchase Medicare if he chooses to do so. Now, in Indiana, we have something called MEDWorks,which is our state Medicaid buy-in program for people with disabilities whoare working. This is nice because even if a person doesn't currently qualify for Medicaid,yet they have disability through social security,her or she can apply for MEDWorksthrough our medicaid system once they become employed.  This gives an additional Medicaidcoverage,or health insurance, and it will also pay their medicare premiums. Right now that currently costs 105 dollars per month for Medicare Part Band anywhere from 35 dollars upfor Part D prescription drug coverage.  Sohaving this additional health care coverage really benefit a lot of peopleand provides them with additional health care coverage.  MEDWorksis asystem in which the person pays premiums based on their totalincome, which is their employer - um, excuse me - their employment plus their social security disability insurancecheck. And it's a sliding scale premium.  Some people's premium is 0;other people may pay $48 dollars a month; other people pay around 100dollars a month. They get a bill in the mail, they pay that bill, and they keep their Medicaid. Even if a person loses his job, then he may keep his MEDWorks for up to a yearwhile he continues to look for another job. Now, if a person receivesSSI, even yet he is a concurrent beneficiary - and again, that means hereceives bothSSDI and SSI - so if he receivesany amount of SSI, and he had SSI and Medicaid the month before starting work,then he is

protected by something known as 1619b. And this is really nice because he'll get to keep his Medicaid coverage - full coverage - without any extra premiums once he goes to work. And, he can earn up to 37,010dollars per year and that's in 2014.  The 2015 numbers still have not come outyet, but they generally go upeach year.  So, health insurance is not a worry. In addition to that, a person can also get health insurance through theiremployerand keep all of the things that I just mentioned. Music