Can You Get SSDI and Medicaid?

If you’re receiving or applying for Social Security disability insurance, you might be wondering: can I get Medicaid too? In this video, we’ll explain how SSDI and Medicaid work together, who qualifies and why. Your type of benefits. SSDI versus SSI can make a big difference. We’ll also cover what to do if you need medical coverage while waiting for SSDI approval and how disability advice can support you through the process. Let’s start with a key distinction.

SSDI and Medicaid are two different programs. SSDI is a federal disability benefit based on your work history. Medicaid is a state run health insurance program typically based on income. If you’re approved for SSDI, you won’t get Medicaid automatically. Instead, SSDI recipients become eligible for Medicare, but only after a 24 month waiting period. That means you may need to explore other options while you wait. If you receive Supplemental Security Income or SSI, you’re in a different category.

Most states automatically enroll SSI recipients in Medicaid. That’s because SSI is based on financial need and Medicaid is designed to support low income individuals. This is an important distinction. If you qualify for both SSDI and ssi, known as concurrent benefits, you may be able to receive both Medicare and Medicaid, which can help cover more of your medical costs. The SSDI application and appeal process can take months or even years. If you’re waiting for approval and need medical care now, Medicaid could be a critical lifeline.

Some states allow people to apply for Medicaid based on current income, even while their SSDI case is still pending. This means you don’t have to wait until your SSDI is approved to get coverage. If your income is low enough, you might qualify right away. And here’s something important. If you eventually qualify qualify for SSDI, you won’t lose Medicaid right away. In many cases, you can keep it until Medicare kicks in after 24 months or even longer if your income stays low.

Some people qualify for both Medicare and Medicaid at the same time. This is called dual eligibility and it can reduce your out of pocket costs for things like prescriptions, doctor visits and hospital stays. But qualifying for both programs and coordinating your coverage can be confusing. That’s why having someone on your side makes a difference. Whether you’re applying for SSDI for the first time or appealing a denial, Disability Advice is here to guide you through every step, including understanding how your benefits affect your health care coverage.

We can help you build a stronger application, connect you with the resources you need and give you the support you deserve throughout the process. If you’re not sure what benefits you qualify for, or if you’re concerned about medical coverage while you wait for approval, visit disabilityadvice.org to schedule your free case evaluation. We’re here to help you make the most of the benefits you’ve earned.