Can You Apply for Health Insurance If You're Disabled?

Being disabled in this society can be quite difficult. This is especially true if you don't have Health Insurance. The question is, will you be able to get Health Insurance if you have a disability? The following paragraphs will try to answer this question and much more. 
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If you want to learn more, please don't hesitate to continue reading.

Finding the Answers
The short answer to this question would be yes. You can still qualify for certain types of health insurance benefits even if you are disabled. You would have to qualify for the insurance policy as soon as possible. Here are some of the qualifications that you need to pass.

• You have no gainful employment
• Your disability is expected to last a long term. (At least one year and beyond)
• Your disability may result in death
• Your disability is included in the Social Security list of authorized medical conditions

Once you're able to pass the criteria, you will get benefits from Social Security and various insurance companies. If you already have your own Health Insurance, don't hesitate to contact your insurance company to get information on the additional benefits you can get as a disabled policyholder.

The Question of Coverage
This is another aspect of Health Insurance that you need to be aware of if you plan to update your existing policy for the disabled. To answer this, here are some of the existing options for people with disability when it comes to health insurance coverage.

• Medicaid -  Provides low-cost or free medical benefits for people with disabilities. Don't hesitate to visit the official web resources to learn more about eligibility and application.
• Medicare - Provides medical insurance for people under 65 as long as they have certain disabilities that qualify under the policy itself. Some examples would be end-stage renal failure which requires dialysis or a kidney transplant.
• Affordable Care Act Marketplace - This particular policy offers many options to people who have disabilities but do not qualify for the previous disability benefits. 

The Bottomline
With these many available programs and policies, you will not be unable to pay your health bills because of not having Health Insurance. Again, you have to find the right resources and people to help you out. Everything else will follow after that.

At Roper Insurance Services, we put our clients first by offering them policies that they can afford. Having insurance is a necessity nowadays, and we're here to help you out. Learn more about our products and services by calling our agency at (828) 697-6709. You can also request a free quote by CLICKING HERE. Coverage discussed in this article is not guaranteed. Please contact our agents today to ensure that your needs are being met and learn more about your policy. We are happy to help!