Fully implementing the Patient Protection and Affordable Care Act (PPACA) as written could help people with disabilities in some ways but pinch in others.
Allsup Inc., Belleville, Ill. — a company that has made a specialty of helping people get through the Social Security Disability Insurance (SSDI) application maze — talks about some seldom-mentioned bits of PPACA in a look at how PPACA might affect Allsup clients.
Allsup sent out the analysis shortly after the U.S. Supreme Court ruled that Congress has the authority to impose a tax on individuals who fail to buy health insurance.
PPACA could help people with disabilities by requiring health insurers to sell and price individual coverage without taking an applicant’s health status into account, but the access rules will help people with disabilities only if the prices consumers pay turn out to be affordable, Allsup says.
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Today, Allsup says, people with disabilities who get SSDI benefits can eventually sign up for Medicare, but they must wait 24 months after collecting cash SSDI benefits to become eligible for Medicare.
About one-third of the individuals who get SSDI lose access to health insurance while getting through the 24-month Medicare waiting period, Allsup says.