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Options for Disabled Under 65 on Medicare

1. Employer Plan

   If you are on Medicare by reason of disability, and either you or your spouse is actively working and covered by a large group health plan (of over 100 workers), the employer plan will provide your primary coverage and Medicare will be secondary.

2. Medicare Savings Programs

   There are government programs in addition to Medicaid that help people with limited income and resources pay their Medicare costs. Apply through your local health and welfare office.
   • QMB (Qualified Medicare Beneficiary) pays your monthly Medicare Part B premium and all of your deductibles and coinsurance.
   • SLMB (Specified Low-Income Medicare Beneficiary) pays your monthly Medicare Part B premium only.

   Contact your local Department of Health and Welfare to find out more.

3. Medicare Advantage Plans

   Go to the www.medicare.gov website.
   

4. Medigap Insurance Policies

   Most companies do not write Medigap policies for those with ESRD nor is there a state or federal requirement.

5. At Age 65

   Under federal law, you are guaranteed the Medigap plan of your choice.