Skip to main content
National Disability Navigator Resource Collaborative

AAHD Logo
  • Home
  • About Us
    • Official Partners
    • Friends of the NDNRC
    • Community Outreach Collaboratives
  • Conversations
    • Ask a Question
    • Blog
    • News to Use
    • FAQ
    • Archived Newsletters
  • NDNRC Materials
    • Disability Guide
    • Fact Sheets
    • Medicaid Social Media Toolkit
    • Statement on ACA
    • Webinars & Presentations
  • Resources & Links
    • Disability Specific
    • Mental & Behavioral Health
    • Populations with Special Health Care Needs
    • Marketplace and Medicare
    • Marketplace and Medicaid
    • Enrollment: Overview
    • Enrollment Statistics
    • ACA Resources: Government
    • ACA Enrollment Resources
  • Contact Us
You are here: Home / NDNRC Materials / Disability Guide / Scenarios

Scenarios

Scenarios that illustrate the interaction between impairment or condition, activity limitation, and health insurance coverage needs

People with disabilities may experience more than one form of impairment or condition and thus possibly more than one activity limitation. They may also have specific and sometimes unique healthcare coverage needs that need to be considered when they choose health insurance. The following questions can be used as a guide to aid the consumer to identify their basic insurance needs:

  • Do you or members of your family for whom you are purchasing insurance have health issues that require a higher level of health services than people might require who do not have those health issues?
  • Which healthcare services that you or your family use currently are the most costly (e.g., prescription drugs, therapies, medical equipment), or are likely to be costly in the future?
  • Among the plans you are considering, which one provides the best coverage for those costs, taking into account premiums, deductibles, co-payments and potential subsidies?
  • Do you or your family members currently have healthcare providers or suppliers who you want to make sure are a part of your potential coverage network?
  • Is it more important to you to limit how much you pay for monthly premiums or to limit how much you pay when you need health care services?

TIPS:

  • Not everyone with a disability will automatically be eligible for Medicaid
  • Some people with disabilities will wish to purchase healthcare insurance through the Marketplace
  • Some people with disabilities may not be aware of government healthcare insurance programs for which they are eligible
  • The lowest cost health insurance premium may not automatically be the best fit for everyone with a disability
  • Some people with disabilities, such as a dependent adult child, could qualify for more than one kind of insurance, such as Medicaid and a parent’s private insurance

The following scenarios illustrate the relationship between impairments or conditions, possible related activity limitations, and healthcare coverage needs.

Go to Next Page

Get Email Updates

News

CMS Releases Final 2023 NBPP

Today, CMS released the final rule for the 2023 Notice of Benefit and Payment Parameters (NBPP). The … Read More »

  • Public Health Emergency Extended
  • AAHD Releases Updated Medicaid Social Media Toolkit

Blog

Happy ACA Anniversary Day!

New Low-Income SEP Available

OE Has Ended – Can I Still Enroll?

Newsletters

May 13, 2022

GETTING THE MOST OUT OF PRESCRIPTION DRUG COVERAGE Do you have questions about getting the most out … [Read More...]

  • May 6, 2022
  • April 29, 2022

In Cooperation

  • The NDNRC is currently a funded project of the American Association on Health and Disability (AAHD) and was initially funded by a grant from the Robert Wood Johnson Foundation (RWJF)
Get quick answers about Obamacare laws and the Health Insurance Marketplace

Contact Information

American Association on Health and Disability (AAHD)
110 N. Washington Street, Suite 407
Rockville, MD 20850
(301) 545-6140
www.aahd.us  |  Email
Privacy Policy

Copyright © 2022 NDNRC · All Rights Reserved · Powered by All Saints Media