Enrollment in Medicare is a great thing for disabled individuals, but it can also be quite confusing
Shelton, CT (PRWEB) February 23, 2010
MCD Services, LLC (Medicare Counseling for the Disabled) is a newly launched insurance agency with a unique mission. MCD is designed to help disabled Medicare recipients - often an overlooked constituency -navigate the unique challenges of health coverage available to them.
Medicare is a federally administered health insurance program for people age 65, people under age 65 with certain disabilities, and for people any age with End Stage Renal Disease (ESRD).
"There are many options for these members to choose from when it's time to elect Medicare insurance coverage," said Chris DeMaio, a partner at MCD Services. "While we can and do help anyone with their Medicare choices, we see a particular need among people with disabilities. They may face unique financial and health decisions that some Medicare insurance carriers may handle better than others," he added.
Social Security Disability Insurance (SSDI) is a disability insurance program administered by the Social Security Administration (SSA). SSDI is a direct pathway to Medicare. Once a person is approved for SSDI and has received 24 months of benefits, he or she is automatically enrolled into Medicare. At this point MCD Services can help SSDI recipients find the right Medicare plan that meets their specific disability needs.
"Enrollment in Medicare is a great thing for disabled individuals, but it can also be quite confusing," said DeMaio. While there are many agencies and services to help the elderly understand their options, far too often people with disabilities select an option or plan which is not right for them, simply because they did not get adequate information."
Options for disabled Medicare recipients include traditional Medicare, Medicare Advantage Programs, Medigap or Medicare Supplement options and, since 2006, Medicare Part D, which is a prescription drug program offered by the government. In addition, all Medicare recipients need to be aware of the CMS- mandated enrollment periods, which include penalties for late enrollment.
"MCD services are free to the disabled Medicare recipients. We have a national presence and are contracted with most of the major Medicare insurance carriers in the marketplace. We provide a non-biased opinion that is based on the issues pertaining to the specific member. We allow the member to make an educated decision on what is best for them. What carrier they choose has no bearing on us," said DeMaio.
Learn more about MCD Services at http://www.mcdmedicare.com.
Partner, MCD Services
(203) 926-1095 (direct)
cdemaio (at) mcdmedicare (dot) com (email)