Statistically, one in four Americans will become disabled before reaching age 65, and health care expenses for those with disabilities can become an overwhelming burden without some form of health insurance. Many people mistakenly believe Medicare is only available to those age 65 and older but Medicare is available to those age 65 and younger who have certain types of disabilities or otherwise meet specified eligibility requirements.

Some of those who qualify include:

  • People who have drawn Social Security Disability Insurance (SSDI) for 24 months
  • People with end-stage renal disease (ESRD)
  • People with amyotrophic lateral sclerosis (ALS or Lou Gehrig’s disease)

Learn more about Medicare eligibility for those with disabilities, who qualifies, and what Medicare covers, along with resources for those who need help.

What You Should Know About Medicare for People With Disabilities

  • Does disability affect your Medicare coverage? Because millions of Americans are disabled before age 65, certain disability conditions can qualify individuals for Medicare coverage regardless of age.
  • Do you qualify for Medicare early if you have a disability? This depends specifically on the type of disability and whether you have been receiving SSDI benefits for at least 24 months.
  • Is Medicare free if you’re disabled? Typically, Medicare isn’t free for most people with disabilities, although financial assistance may be available to those with limited means through state Medicaid programs or a Low Income Subsidy (LIS, sometimes referred to as extra help). Examples of Medicare expenses might include monthly premiums, copays, deductibles, and coinsurance, and these costs may go up annually.
  • Do disabilities impact what type of Medicare you can have? Generally, no. Those qualifying for Medicare as a result of a disability will have the same range of options as those qualifying based on age. However, some options, such as a private Medicare supplement policy, may be more expensive for those with disabilities.

SSDI and Medicare Eligibility for People With a Disability

Getting Medicare with a disability is usually automatic for those receiving SSDI benefits. If you’re receiving SSDI benefits, you’ll be enrolled automatically in both Part A and Part B beginning on the 25th month of SSDI benefits.

Three months prior to the start of Medicare coverage, you should receive a packet in the mail from the Social Security Administration (SSA) containing your new Medicare card and an explanation of your Medicare benefits. You shouldn’t have to contact anyone to make this happen.

The information packet should also explain that your monthly Part B premium will be deducted from your monthly Social Security or railroad benefit check. You may choose to turn down Part B coverage if you have coverage through other means, such as a spouse’s employment plan, but be aware that if you turn down Part B and don’t have other coverage, you may incur a penalty if you enroll at a later date:

Medicare eligibility

Medicare is available for United States citizens or permanent residents age 65 and older, those under age 65 with a qualified disability receiving SSDI benefits for at least 24 months, and people diagnosed with ALS or ESRD.

Qualifying factor How you can qualify When you can qualify
Age U.S. citizens or permanent residents age 65 and older The Initial Enrollment Period (IEP) begins three months before and ends three months after the month in which you turn 65. If you miss this window, you may sign up during the General Enrollment Period (GEP) from January 1 to March 31 each year.
SSDI enrollment Disability and sufficient work credits through your own/family member’s employment After your sixth full month of disability. This six-month period begins the first full month after the date SSA determines that the disability began The time it takes SSA to come to a decision varies widely, but the average is three to five months from the application date Occasionally, decisions are fast-tracked based on a list of compassionate allowances.
ALS Medicare benefits begin the first month you receive disability benefits Benefits begin the first month you get disability.
ESRD You have permanent kidney failure (ESRD) and receive maintenance dialysis or a kidney transplant One of the following also applies:

  • You’re eligible for or receive monthly benefits under Social Security or the railroad retirement system.
  • You’ve worked long enough in a Medicare-covered government job.
  • You’re the child or spouse, including a divorced spouse, of a worker ― living or deceased ― who has worked long enough under Social Security or in a Medicare-covered government job.
Benefits begin depending on the treatment plan. Factors that determine this are:

  • When and where you receive dialysis
  • When you were diagnosed
  • When you’ll receive a kidney transplant.

For more detailed information, visit the following:

Manage your health: I have End-Stage Renal Disease (ESRD)

SSDI eligibility

Social Security guidelines for disability eligibility are very strict. To be eligible for disability benefits, Social Security Act 223 states that a person must have:

  • [An] inability to engage in any substantial gainful activity because of any medically determinable physical or mental impairment which can be expected to result in death or which has lasted or can be expected to last for a continuous period of not less than 12 months.
  • In the case of an individual who has attained the age of 55 and is blind (within the meaning of “blindness” as defined in section 216(i)(1)), inability because of such blindness to engage in a substantial, gainful activity requiring skills or abilities comparable to those of any gainful activity in which he has previously engaged with some regularity and over a substantial period of time.

Additionally, you must have worked long enough and recently enough to have earned sufficient Social Security work credits depending on the age when you became disabled. Typically, you can earn up to four credits each year, but the amount needed changes from year to year.

Occasionally, there are special situations where these rules don’t apply, such as the following:

As long as you’re considered incapable of substantial gainful activity, there’s no limit to the amount of assets, cash, or resources you can own to be eligible for SSDI.

Enrolling in Medicare with a Disability

Medicare is available to U.S citizens or permanent residents age 65 or older, those under age 65 with a qualified disability receiving SSDI benefits for at least 24 months, and people diagnosed with ALS or ESRD.

You may automatically be enrolled in Original Medicare when you turn 65 if you’re receiving Social Security, or after receiving disability benefits for 24 months. Otherwise, you must sign up during your IEP, GEP, or Special Enrollment Period (SEP):

  • IEP: Most people get Medicare Part A (Hospital Insurance) and Part B (Medical Insurance). The enrollment period starts three months before you turn 65, includes the month of your birthday, and ends three months after you turn 65. If you’re not already collecting Social Security benefits before your IEP starts, you’ll need to sign up for Medicare online or contact the SSA.
  • GEP: If you miss your IEP, you can sign up during Medicare’s GEP that runs from January 1 to March 31, and your coverage will start July 1.
  • SEP: Once your IEP ends, you may have the chance to sign up for Medicare during a SEP. You can sign up for Part A and or Part B during a SEP if you have special circumstances.
  • Open Enrollment Period (OEP): This period runs from October 15 to December 7. If you have already enrolled in a Medicare plan, you can use this time to enroll and change prescription drug plans or Medicare Advantage plans.
  • Medicare Advantage Open Enrollment: This period runs from January 1 to March 15. If you’re enrolled in a Medicare Advantage Plan, this is when you can change to another type of Medicare Advantage Plan or disenroll and return to Original Medicare.

What are the Medicare enrollment periods for people with a disability?

If You: Qualification Requirements Initial Enrollment Period
Have ALS You may enroll in Medicare if all of the following apply:

  • You have been diagnosed with ALS
  • You have been approved for and begun receiving SSDI benefits
The standard 24-month waiting period is waived for ALS patients because the disease progresses so quickly. As soon as you begin receiving SSDI benefits you’ll qualify for Medicare coverage, subject to a five-month waiting period for processing.
Have ESRD You may enroll in Medicare if all of the following apply:

  • Your kidneys no longer function
  • You need regular dialysis or have had a kidney transplant
  • You have worked the required amount of time under Social Security, you’re already receiving SSDI benefits, or you’re the spouse or dependent of someone who meets one of those requirements.
ESRD Medicare eligibility typically begins on the first day of the fourth month of dialysis treatment. If you don’t enroll in Medicare right away, coverage may be retroactive for up to 12 months before the month you apply, excluding the required four-month waiting period.

Coverage will also begin in the month that you’re admitted to a Medicare-certified hospital for a kidney transplant, or two months before the surgery if it’s delayed more than two months.

Receive SSDI You’ll automatically be enrolled in Medicare if all of the following apply:

  • You have worked long enough to receive sufficient Social Security work credits
  • You’re currently receiving SSDI benefits and have been receiving benefits for at least 24 months
Medicare benefits will generally begin automatically on the 25th month of SSDI benefit. You’ll receive an information packet and membership card three months before.
Turn 65 You will usually be automatically enrolled in Part A with the option to enroll in Part B if all of the following apply:

  • You’re age 65 or older
  • Either you or your spouse worked and paid Medicare taxes for at least 10 years
  • You’re currently receiving Social Security benefits or have filed to receive them
The IEP begins three months before and ends three months after the month in which you turn 65. If you miss this window, you may sign up during the GEP from January 1 to March 31 each year. However, if you don’t enroll in Part B when you’re first eligible and don’t have other coverage, you may be subject to penalties when you do enroll.

What Does Medicare Cost If You Have a Disability?

Beneficiaries of Medicare are subject to certain costs. These include:

  • Premium: The plan’s monthly payment
  • Deductible: The amount you must pay on your own before insurance starts to cover the costs
  • Copay: A flat fee you pay for covered services
  • Coinsurance: The percentage of costs you pay after reaching your deductible

Knowing how these expenses work is essential to understanding Medicare costs.

Medicare Part What Does It Cover? What Does It Cost?
Part A
  • Hospital coverage
  • Inpatient
  • Skilled nursing facility care
  • Home health
  • Hospice
Most people don’t have to pay a premium for Part A because they have worked and paid Medicare taxes. If you don’t qualify for premium-free, you can purchase Part A. Click here to see how much it might cost.
Part B
  • Outpatient services
  • Emergency room (ER)
  • Labs
  • Diagnostic testing
  • Durable medical equipment (DME)
  • Doctor’s office visits
  • Emergency ambulance services
  • Some infusion or injectable drugs that cannot be self-administered.
You’ll have to pay a monthly premium for Part B, whether you have Original Medicare or a Medicare Advantage plan. In 2022, that is $170.10 for most people. If your annual income is higher than $88,000 for individuals or higher than $176,000 for joint income tax filers, you’ll pay more.
Medicare Advantage (Part C) Covers all services Original Medicare covers. They may also cover extra benefits, such as:

  • Vision
  • Hearing
  • Dental
  • Wellness programs
  • Prescription drugs
  • Transportation
  • Meals
Plans may charge an additional premium in addition to Part B premiums, but zero-premium plans may be available depending on your area.
Part D Plans may charge an additional premium in addition to Part B premiums, but zero-premium plans may be available depending on your area. If you purchase drug coverage, you’ll pay a monthly premium. The national weighted average premium in 2021 was $38 per month. If you have a Medicare Advantage Plan with drug coverage, you may pay a drug premium.
Qualified Medicare Beneficiary (QMB) Program Covers Medicare Part A and B premiums, copayments, deductibles, and coinsurance. Free, for those who qualify.
Medicare Supplement Insurance (Medigap) Helps pay the remaining cost of Medicare covered charges, such as:

  • Copayments
  • Coinsurance
  • Deductibles

They also offer some emergency coverage when traveling outside the U.S.

You will pay a monthly premium ranging from around $100 to several hundred dollars, depending on which plan and insurance carrier you choose.
Special Needs Plans (SNPs) Cover people with specific diseases or characteristics by tailoring benefits, drug formularies, and provider choices to meet specific needs. Examples include Medicare Advantage health maintenance organization (HMO) or preferred provider organization (PPO). Plans may charge an additional premium in addition to Part B premiums, but there are also zero-premium plans depending on your area.

Medicare for Disabilities Frequently Asked Questions (FAQs)

Is Medicare for disabilities free?

Medicare isn’t typically free for most people with disabilities. It includes copays, deductibles, coinsurance, and premiums along with specific guidelines for who qualifies.

Can someone on disability get Medicare?

Those age 65 and younger with a qualified disability who receive SSDI benefits for at least 24 months and people diagnosed with ALS or ESRD may qualify.

How long do you have to wait for Medicare after disability?

24 months after receiving SSDI benefits.

Does Social Security disability automatically enroll you in Medicare?

If you’re already drawing SSDI for 24 months, you’ll be enrolled in Original Medicare Part A and Part B automatically.

Will you lose disability benefits when you turn 65?

SSDI will change automatically at age 65 to Social Security retirement benefits.

Medicare and Medicaid Dual Eligibility With Disabilities

If you have a disability and/or receive Medicaid benefits, you may qualify for a special type of Medicare Advantage Plan called Dual Eligible SNP (D-SNPs). These plans limit membership strictly to those who meet specific plan criteria, such as certain chronic or disabling health conditions, those who live in certain institutions like nursing homes or those who qualify for Medicaid benefits through their state.

These plans carefully tailor benefits, provider choices, and drug formularies to best meet the needs of the groups they serve. Generally, you can join an SNP at any time once you’re eligible for Medicare and Medicaid.

Additional Medicare Resources for People With Disabilities


Organization Address Phone Email
Disability Rights and Resources 1418 6th Ave N, Birmingham, AL 35203 (205) 251-2223 Submit via website
Alabama Department of Rehabilitation Services 602 S Lawrence St, Montgomery, AL 36104 (800) 441-7607 Submit via website
EARPDC Aging and Disability Resource Center 1130 Quintard Ave # 300, Anniston, AL 36201 (256) 237-6741 [email protected]


Organization Address Phone Email
Access Alaska 1217 E 10th Ave, Anchorage, AK 99501 (907) 248-4777 [email protected]
LINKS Mat-Su Aging and Disability Resource Center ADRC 777 N Crusey St STE 101, Wasilla, AK 99654 (907) 373-3632 Submit via website
Easterseals Alaska 670 W Fireweed Ln #201, Anchorage, AK 99503 (907) 277-7325 Submit via website


Organization Address Phone Email
Gesher Disability Resources 12701 N Scottsdale Rd # 205, Scottsdale, AZ 85254 (480) 629-5343 [email protected]
Disability Help Group Arizona 1833 W Main St #101, Mesa, AZ 85201 (888) 939-4692 Submit via website
New Horizons Disability Empowerment Center 9400 E Valley Rd, Prescott Valley, AZ 86314 (928) 772-1266 Submit via website


Organization Address Phone Email
Arkansas Disability Coalition 1501 N University Ave # 221, Little Rock, AR 72207 (501) 614-7020 [email protected]
Disability Rights Arkansas, Inc. 400 W Capitol Ave #1200, Little Rock, AR 72201 (501) 296-1775 [email protected]
Texarkana Resources 3015 E 19th St, Texarkana, AR 71854 (870) 774-9675 Submit via website


Organization Address Phone Email
Disabled Resources Center 2750 E Spring St # 100, Long Beach, CA 90806 (562) 427-1000 [email protected]
California Disability Services Association 1107 9th St #540, Sacramento, CA 95814 (916) 441-5844 [email protected]
Aging and Disability Resource Connection of Orange County 1300 S Grand Ave Building B, (800) 510-2020 [email protected]


Organization Address Phone Email
Disabled Resource Services 1017 Robertson St Unit B, Fort Collins, CO 80524 (970) 482-2700 [email protected]
Aging and Disability Resources 1129 Colorado Ave, Grand Junction, CO 81501 (970) 248-2746 [email protected]
Colorado Cross-Disability Coalition Empire Park business plaza, 1385 S Colorado Blvd Ste. 610-A, Denver, CO 80222 (303) 839-1775 Submit via website


Organization Address Phone Email
Disability Resource Network 230 Caroline St, Derby, CT 06418 (203) 732-0030 [email protected]
Disability Rights Connecticut 846 Wethersfield Ave, Hartford, CT 06114 (860) 297-4300 [email protected]
Center for Disability Rights 369 Highland St, West Haven, CT 06516 (203) 934-7077 [email protected]


Organization Address Phone Email
The Division of Services for Aging and Adults with Physical Disabilities 1901 N Dupont Hwy, New Castle, DE 19720 (302) 255-9390 Submit via website
Delaware Disability Determination Service 920 West Basin Rd #200, New Castle, DE 19720 (302) 324-7600 [email protected]
Mosaic in Delaware 261 Chapman Rd # 201, Newark, DE 19702 (302) 456-5995 Submit via website


Organization Address Phone Email
Florida Developmental Disabilities Council 124 Marriott Dr #203, Tallahassee, FL 32301 (850) 488-4180 [email protected]
Disability Rights Florida 2473 Care Dr #200, Tallahassee, FL 32308 (800) 342-0823 Submit via website
Disability Resource Center 300 W 5th St, Panama City, FL 32401 (850) 769-6890 Submit via website


Organization Address Phone Email
Disability Resource Center 715 Oak St, Gainesville, GA 30501 (770) 534-6656 Submit via website
Georgia Council on Developmental Disabilities 2 Peachtree St #26, Atlanta, GA 30303 (404) 657-2126 [email protected]
Disability Connections 3695 Broadway, Macon, GA 31206 (800) 743-2117 Submit via website


Organization Address Phone Email
Hawaii Disability Rights Center 1132 Bishop St STE 2102, Honolulu, HI 96813 (808) 949-2922 [email protected]
Aging and Disability Resource Center 1055 Kinoole St #101, Hilo, HI 96720 (808) 961-8626 [email protected]
Real Choices 715 S King St STE 200, Honolulu, HI 96813 (808) 523-4545 [email protected]


Organization Address Phone Email
DisAbility Rights Idaho 4477 Emerald St Suite B-100, Boise, ID 83706 (800) 632-5125 Submit via website
Idaho Disability Determination Services 1505 McKinney St, Boise, ID 83704 (208) 327-7333 [email protected]
Aspire Human Services 560 W Sunnyside Rd, Idaho Falls, ID 83402 (208) 523-9839 Submit via website


Organization Address Phone Email
Family Resource Center on Disabilities 11 E Adams St Ste 1002, Chicago, IL 60603 (312) 939-3513 [email protected]
Macon Resources Inc. 2121 Hubbard Ave, Decatur, IL 62526 (217) 875-1910 [email protected]
The Arc of Illinois 9980 190th St C, Mokena, IL 60448 (815) 464-1832 Submit via website


Organization Address Phone Email
Bridges of Indiana 3124 N National Rd, Columbus, IN 47201 (812) 704-6314 [email protected]
Disability Legal Services of Indiana, Inc 5954 N College Ave, Indianapolis, IN 46220 (317) 426-7733 Submit via website
accessABILITY 9105 E 56th St #308, Indianapolis, IN 46216 (317) 926-1660 [email protected]


Organization Address Phone Email
Disabilities Resource Center of Siouxland 505 5th St #400, Sioux City, IA 51101 (712) 255-1065 Submit via website
The Arc of Iowa 114 S 11th St, West Des Moines, IA 50265 (515) 664-2252 Submit via website
First Resources Corporation Disability Services 835 W Main St #2228, Ottumwa, IA 52501 (641) 684-6239 Submit via website


Organization Address Phone Email
Disability Rights Center-Kansas 214 SW 6th Ave STE 100, Topeka, KS 66603 (785) 273-9661 Submit via website
East Central Kansas Agency on Aging and Disability Resource Center 117 S Main St, Ottawa, KS 66067 (785) 242-7200 Submit via website
The Whole Person 8040 Parallel Parkway, Ste 300

Kansas City, KS 66112

(913) 871-4188 Submit via website


Organization Address Phone Email
Louisville Aging & Disabled 701 W Ormsby Ave, Louisville, KY 40203 (502) 574-5092 Submit via website
Aging-Disability Resource Center 22 Spiral Dr, Florence, KY 41042 (859) 692-2480 [email protected]
Kentucky Disability Advocates 229 W Main St #305, Frankfort, KY 40601 (502) 875-7852 Submit via website


Organization Address Phone Email
Families Helping Families 2356 Drusilla Ln, Baton Rouge, LA 70809 (225) 216-7474 Submit via website
Disability Service Bureau 5905 Florida St # C, Baton Rouge, LA 70806 (225) 925-3533 [email protected]
STARC 40201 US Hwy 190 E, Slidell, LA 70461 (985) 641-0197 [email protected]


Organization Address Phone Email
Disability Rights Maine 160 Capitol St #4, Augusta, ME 04330 (207) 626-2774 Submit via website
Ohi 203 Maine Ave, Bangor, ME 04401 (207) 848-5804 Submit via website
Living Innovations 238 North St, Saco, ME 04072 (207) 282-3311 Submit via website


Organization Address Phone Email
MD Department of Disabilities 217 E Redwood St UNIT 1300, Baltimore, MD 21202 (410) 767-3660 [email protected]
Disability Rights Maryland 1500 Union Ave # 2000, Baltimore, MD 21211 (410) 727-6352 N/A
Disability Support Services 1020 Stiles St, Baltimore, MD 21202 (410) 244-0006 Submit via website


Organization Address Phone Email
Disability Resource Center, Inc. 27 Congress St STE 107, Salem, MA 01970 (978) 741-0077 Submit via website
Massachusetts Office on Disability 1 Ashburton Pl # 1305, Boston, MA 02108 (617) 727-7440 Submit via website
Disability Law Center Inc 11 Beacon St Suite 925, Boston, MA 02108 (617) 723-8455 [email protected]


Organization Address Phone Email
The Disability Network 3600 Dort Hwy #54, Flint, MI 48507 (810) 742-1800 Submit via website
Michigan Disability Rights Coalition 3498 E Lake Lansing Rd # 100, East Lansing, MI 48823 (800) 578-1269 Submit via website
Disability Services Resource Center 1820 N Trumbull Dr, Bay City, MI 48708 (989) 895-5444 Submit via website


Organization Address Phone Email
Minnesota Council on Disability 1600 University Ave W Suite 8, St Paul, MN 55104 (651) 361-7800 [email protected]
The Arc Minnesota 2446 University Ave W., Suite 110

St. Paul, MN 55114

(952) 920-0855 N/A
Living Well Disability Services 1168 Northland Dr, Mendota Heights, MN 55120 (651) 688-8808 [email protected]


Organization Address Phone Email
MAC Centers 1170 Lakeland Dr.

Jackson, MS 39216

(844) 822-4622

Office of Special Disability Programs P.O. Box 1698

Jackson, MS 39215

(800) 443-1000 N/A
Mississippi Society for Disabilities 1675 Lakeland Drive Ste 303

Jackson, MS 39216

(601) 982-7051 [email protected]


Organization Address Phone Email
Disability Resource Association 130 Brandon Wallace Way, Festus, MO 63028 (636) 931-7696 [email protected]
St Louis Office for Developmental Disability Resources 2121 Hampton Ave, St. Louis, MO 63139 (314) 421-0090 [email protected]
St. Charles DDRB (Developmental Disabilities Resource Board) 1025 Country Club Rd, St Charles, MO 63303 (636) 939-3351 [email protected]


Organization Address Phone Email
Disability Rights Montana 1022 Chestnut St, Helena, MT 59601 (406) 449-2344 [email protected]
Bridges of Montana 2110 Overland Ave #119a, Billings, MT 59102 (406) 601-1101 [email protected]
Developmental Disabilities Division 111 N Sanders St # 305, Helena, MT 59601 (406) 444-2995 N/A


Organization Address Phone Email
Disability Rights Nebraska 134 S 13th St #600, Lincoln, NE 68508 (402) 474-3183 [email protected]
Easterseals Nebraska 12565 W Center Rd #100, Omaha, NE 68144 (800) 471-6425 Submit via website
Mosaic in Central Nebraska 2846 Old Fair Rd, Grand Island, NE 68803 (308) 381-1690 [email protected]


Organization Address Phone Email
Aging and Disability Services Division 3416 Goni Rd # 132, Carson City, NV 89706 (775) 687-4210 [email protected]
Aging and Disability Services Division 9670 Gateway Dr #200, Reno, NV 89521 (775) 688-2964 [email protected]
Southern Nevada Centers for Independent Living 2950 S. Rainbow Blvd

Suite 220

Las Vegas, Nevada 89146

(800) 870-7003 Submit via website

New Hampshire

Organization Address Phone Email
Disability Rights Center 64 N Main St #2, Concord, NH 03301 (603) 228-0432 Submit via website
Nashua Center 18 Simon St, Nashua, NH 03060 (603) 883-6163 Submit via website
ABLE 2 1/2 Beacon St, Concord, NH 03301 (603) 878-0459 Submit via website

New Jersey

Organization Address Phone Email
Disability Services & Advocacy, LLC 3 High St, South River, NJ 08882 (732) 210-6291 [email protected]
Division of Developmental Disability 222 S Warren St, Trenton, NJ 08608 (800) 832-9173 Submit via website
PERSON FIRST NEW JERSEY LLC 14 Heggan Ln, Hammonton, NJ 08037 (609) 481-2729 [email protected]

New Mexico

Organization Address Phone Email
New Mexico Developmental Disabilities Planning Council 625 Silver Ave SW #100, Albuquerque, NM 87102 (505) 841-4519 [email protected]
The Arc of New Mexico 5130 Masthead St NE, Albuquerque, NM 87109 (505) 883-4630 [email protected]
Disability Rights New Mexico 3916 Juan Tabo Blvd NE, Albuquerque, NM 87111 (505) 256-3100 [email protected]

New York

Organization Address Phone Email
Developmental Disabilities Services 441 E 119th St, New York, NY 10035 (212) 410-7407 [email protected]
AHRC New York City 522 Bushwick Ave, Brooklyn, NY 11206 (718) 455-5473 Submit via website
Center For Independence of the Disabled, New York 841 Broadway #301, New York, NY 10003 (212) 674-2300 N/A

North Carolina

Organization Address Phone Email
Disability Rights & Resources 5801 Executive Center Dr # 101, Charlotte, NC 28212 (704) 537-0550 [email protected]
The Arc of the Triangle 5121 Hollyridge Dr #100, Raleigh, NC 27612 (919) 942-5119 N/A
Developmental Disabilities Resources, Inc. 6824 Wilgrove Mint Hill Rd, Mint Hill, NC 28227 (704) 573-9777 Submit via website

North Dakota

Organization Address Phone Email
ND Protection & Advocacy Project 400 E Broadway Ave # 409, Bismarck, ND 58501 (701) 328-2950 Submit via website
North Dakota Association for the Disabled 2660 S Columbia Rd, Grand Forks, ND 58201 (701) 775-5577 [email protected]
Easter Seals 402 14th Ave NE, Jamestown, ND 58401 (701) 251-1446 [email protected]


Organization Address Phone Email
Opportunities for Ohioans with Disabilities 400 E Campus View Blvd, Columbus, OH 43235 (800) 282-4536 N/A
LADD, Inc. 3603 Victory Pkwy, Cincinnati, OH 45229 (513) 861-5233 [email protected]
Stepping Stones, Inc. 5650 Given Rd, Cincinnati, OH 45243 (513) 831-4660 Submit via website


Organization Address Phone Email
Oklahoma Foundation for the Disabled 8421 N Walker Ave, Oklahoma City, OK 73114 (405) 842-6636 Submit via website
Hopertunity, LLC 3000 Westlake Rd, Oklahoma City, OK 73165 (405) 824-9012 N/A
Oklahoma Disability Law Center 5600 N May Ave #260, Oklahoma City, OK 73112 (405) 525-7755 Submit via website


Organization Address Phone Email
Senior & Disabled Services 714 Main St, Klamath Falls, OR 97601 (541) 883-5551 N/A
DHS – Aging And People With Disabilities 2675 Colorado Ave, North Bend, OR 97459 (541) 756-2017 N/A
Marion County Health & Human Services – Developmental Disabilities 3180 Center St NE, Salem, OR 97301 (503) 588-5288 Submit via website


Organization Address Phone Email
United Disabilities Services 2270 Erin Ct, Lancaster, PA 17601 (888) 837-4235 [email protected]
Developmental & Disability Services 1126 Walnut St, Lebanon, PA 17042 (717) 274-3493 [email protected]
Disability Empowerment Center 941 Wheatland Ave Suite B-1, Lancaster, PA 17603 (717) 394-1890 [email protected]

Rhode Island

Organization Address Phone Email
The Rhode Island Developmental Disabilities Council 400 Bald Hill Rd Suite 515, Warwick, RI 02886 (401) 737-1238 [email protected]
The Groden Network 610 Manton Ave, Providence, RI 02909 (401) 274-6310 N/A
Kaleidoscope Family Solutions Rhode Island, Inc. 26 Hartford Pike #1, North Scituate, RI 02857 (401) 300-4352 [email protected]

South Carolina

Organization Address Phone Email
Horry County Disabilities 250 Victory Ln, Conway, SC 29526 (843) 347-3010 [email protected]
South Carolina Department of Disabilities and Special Needs 3440 Harden Street Extension, Columbia, SC 29203 (888) 376-4636 Submit via website
Newberry Disabilities 115 Nance St, Newberry, SC 29108 (803) 276-0078 Submit via website

South Dakota

Organization Address Phone Email
LifeScape Adult Services 4100 S Western Ave, Sioux Falls, SD 57105 (605) 444-9900 [email protected]
Disability Rights South Dakota 1604 Mountain View Rd, Rapid City, SD 57702 (800) 658-4782 Submit via website
South Dakota Council on Developmental Disabilities 500 E Capitol Ave, Pierre, SD 57501 (605) 773-6369 [email protected]


Organization Address Phone Email
disABILITY Resource Center Building E, 9111 Cross Park Dr Suite 135, Knoxville, TN 37923 (865) 637-3666 [email protected]
Disability Consulting 1424 W Baddour Pkwy Suite F, Lebanon, TN 37087 (615) 453-9151 [email protected]
Area Agency On Aging & Disability 3211 N Roan St, Johnson City, TN 37601 (866) 836-6678 N/A


Organization Address Phone Email
DADS – Department of Aging Disability Services 701 W 51st St, Austin, TX 78751 (512) 438-3011 [email protected]
Disability Resources 471 Houston Street, 1224 TAMU Student Services Building, Suite 122, College Station, TX 77843 (979) 845-1637 [email protected]
Disability Services of the Southwest 911 NW, TX-281 Loop #120, Longview, TX 75604 (903) 297-2817 N/A


Organization Address Phone Email
People With Disabilities Division 195 N 1950 W, Salt Lake City, UT 84116 (801) 538-4200 [email protected]
Intersect Services 189 State St Suite 180, Clearfield, UT 84015 (801) 217-3273 Submit via website
Envision Quality Supports 6364 Highland Dr STE 201, Salt Lake City, UT 84121 (801) 209-1357 [email protected]


Organization Address Phone Email
Champlain Community Services Inc 512 Troy Ave, Colchester, VT 05446 (802) 655-0511 [email protected]
Easter Seals 220 Holiday Dr # 23, White River Junction, VT 05001 (802) 295-1001 [email protected]
Disability Service 93 Pilgrim Park Rd #6, Waterbury Village Historic District, VT 05676 (802) 241-2463 N/A


Organization Address Phone Email
Disability Resource Center 409 Progress St, Fredericksburg, VA 22401 (540) 373-2559 [email protected]
Skillquest Services 3432 Virginia Beach Boulevard Virginia Beach Virginia 23452 (757) 385-4040 Submit via website
The disAbility Law Center of Virginia 1512 Willow Lawn Dr Suite 100, Richmond, VA 23230 (800) 552-3962 [email protected]


Organization Address Phone Email
Central Washington Disability Resources 301 E 2nd Ave, Ellensburg, WA 98926 (509) 962-9620 [email protected]
Developmental Disabilities Services 1611 W Indiana Ave, Spokane, WA 99205 (509) 329-2900 N/A
Arc of Spokane 320 E 2nd Ave, Spokane, WA 99202 (509) 328-6326 [email protected]

West Virginia

Organization Address Phone Email
Center for Excellence in Disabilities 959 Hartman Run Rd, Morgantown, WV 26505 (304) 293-4692 [email protected]
The Arc of WV 1917 Dudley Ave, Parkersburg, WV 26101 (877) 334-6581 [email protected]
Disability Rights of West Virginia 1207 Quarrier St Ste 400, Charleston, WV 25301 (800) 950-5250 [email protected]


Organization Address Phone Email
Disability Rights Wisconsin 6737 W Washington St # 3230, Milwaukee, WI 53214 (414) 773-4646 [email protected]
Broadscope Disability Services 6102 W Layton Ave, Greenfield, WI 53220 (414) 329-4500 Submit via website
Health Aging & Disability Resources 221 W Seminary St, Richland Center, WI 53581 (608) 647-4616 [email protected]


Organization Address Phone Email
Easterseals Wyoming 991 Joe St, Sheridan, WY 82801 (307) 672-2816 [email protected]
Bridges of Wyoming 1921 House Ave, Cheyenne, WY 82001 (307) 514-6025 [email protected]
NOWCAP Services 79 Winston Dr # 136, Rock Springs, WY 82901 (307) 522-5097 [email protected]
Insurance and health care consultant

Tammy Burns is an experienced health insurance advisor. She earned her nursing degree in 1990 from Jacksonville State University, obtained her insurance billing and coding certification in 1995, and holds a health and life insurance license in Alabama, Georgia, Iowa, Mississippi, and Tennessee. Burns is Affordable Care Act (ACA)-certified for health insurance and other ancillary, life, and annuity products. She maintains an active nursing license and practices private-duty nursing.

Burns’ background as a nurse, insurance biller and coder, and insurance consultant includes infectious disease, oncology, gynecology, phlebotomy, post operative, family medicine, geriatrics, home health, hospice, human resources, management, billing, coding, claims, fixed annuities, group and individual health and life products, and Medicare. She’s always been driven by a desire to help people, spending more than 25 years as a practicing nurse in hospitals, private doctors’ offices, home health, and hospice. As a nurse, Burns supported patients filing insurance claims with Medicare, Medicaid, and private insurance companies as well as responding to billing questions from confused patients.

Seeing firsthand how unsuspecting patients are frequently confused by an overly complex system they don’t understand led Burns to become an insurance agent and health care consultant, now helping people understand the medical system. Since becoming an insurance agent in 2013, she has worked with some of the largest and most reputable insurance carriers and agencies in the nation, and she has built a large and loyal clientele by way of her commitment to transparency and personalized service.