Medical Coverage with SSDI (Social Security Disability Insurance)

If you qualify for SSDI, you automatically become eligible for Medicare—but there’s a waiting period.

• Waiting Period: Medicare begins 24 months after your SSDI eligibility date (not the approval date).
• Coverage Includes:
• Part A: Hospital insurance (inpatient care, skilled nursing, hospice)
• Part B: Medical insurance (doctor visits, outpatient care, preventive services)
• Optional Add-ons: You can enroll in Part D (prescription drugs) and choose Medicare Advantage (Part C) plans for additional coverage.

Note: In some cases, like ALS or end-stage renal disease, the 24-month waiting period is waived.

Medical Coverage with SSI (Supplemental Security Income)

If you're approved for SSI, you’re typically eligible for Medicaid instead of Medicare.

• No Waiting Period: Medicaid coverage often starts right away once you're approved for SSI.
• Coverage Includes:
• Doctor visits
• Hospital stays
• Long-term care
• Prescription drugs
• Mental health services

Medicaid eligibility and coverage may vary slightly by state, but it’s usually much more comprehensive than most private plans—especially for low-income individuals.

What If You’re on Both SSDI and SSI?

Some applicants qualify for both SSDI and SSI. In this case, you could receive:

• Medicaid coverage immediately (through SSI)
• Medicare coverage after 24 months (through SSDI)

This gives you layered support as your benefits continue.