Medicare Blog

how ae you eligible for medicare

by Garnett Corkery Published 2 years ago Updated 1 year ago
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Medicare is health insurance for people 65 or older. You're first eligible to sign up for Medicare 3 months before you turn 65. You may be eligible to get Medicare earlier if you have a disability, End-Stage Renal Disease (ESRD), or ALS (also called Lou Gehrig's disease).

What are the 3 requirements for Medicare?

Be age 65 or older; Be a U.S. resident; AND. Be either a U.S. citizen, OR. Be an alien who has been lawfully admitted for permanent residence and has been residing in the United States for 5 continuous years prior to the month of filing an application for Medicare.Dec 1, 2021

How does a person automatically qualify for Medicare?

You automatically get Medicare after getting disability benefits for 24 months. Part A covers inpatient hospital stays, skilled nursing facility care, hospice care, and some home health care.

Can I get Medicare if I never worked?

You can still get Medicare if you never worked, but it will likely be more expensive. Unless you worked and paid Medicare taxes for 10 years — also measured as 40 quarters — you will have to pay a monthly premium for Part A. This may differ depending on your spouse or if you spent some time in the workforce.

Do you automatically get Medicare when you turn 65?

Yes. If you are receiving benefits, the Social Security Administration will automatically sign you up at age 65 for parts A and B of Medicare. (Medicare is operated by the federal Centers for Medicare & Medicaid Services, but Social Security handles enrollment.)

Who Qualifies for Medicare?

If you’re 65 or older, you qualify for Medicare. Usually, Medicare starts the first day of the month you turn 65. You must be a U.S. citizen or a permanent resident living in the U.S. for five years in a row.

Medicare Eligibility Requirements

There are a few requirements to be eligible for Medicare. For premium-free Part A, you must pay ten years towards Medicare taxes. Also, if a spouse paid Medicare taxes and you otherwise qualify for Medicare.

Medicare Disability Eligibility Requirements

At the start of the 25th month that you obtain Social Security Disability checks, you’ll automatically have Medicare. Certain circumstances don’t require patients to wait for 24-months.

How to Learn About Medicare Eligibility

If you have any questions or concerns regarding your eligibility, please contact a Medicare expert. You can reach an expert by calling the phone number above or by filling out the online rate form.

Here are the requirements to be eligible for health care coverage

En español | For more than 55 years, Medicare has provided health insurance to Americans 65 and older as well as to people with disabilities. But qualifying for the program is not automatic. Here’s how to determine if you are eligible.

Other ways to get Medicare coverage

If you do not qualify on your own or through your spouse’s work record but are a U.S. citizen or have been a legal resident for at least five years, you can get full Medicare benefits at age 65 or older. You just have to buy into them by:

Reaching age 62 can affect your spouse's Medicare premiums

Although reaching age 62 does not qualify you for Medicare, it can carry some significance for your spouse if they receive Medicare benefits.

Medicare eligibility for people under 62

There are a few exceptions for Medicare age limits that can allow people younger than 65 and under age 62 to enroll in Medicare.

Can a 62 year old get Medicaid?

Yes. Medicaid qualification is based on income, not age. While Medicaid eligibility differs from one state to another, it is typically available to people of lower incomes and resources including pregnant women, the disabled, the elderly and children.

Get answers to your Medicare questions and enroll in a plan

If you have further questions about Medicare eligibility, contact a licensed insurance agent today. A licensed agent can help answer your questions and help you compare Medicare Advantage plans (Medicare Part C) that are available where you live.

Original Medicare

Original Medicare includes Medicare Part A (Hospital Insurance) and Part B (Medical Insurance).

Medicare Advantage (also known as Part C)

Medicare Advantage is an “all in one” alternative to Original Medicare. These “bundled” plans include Part A, Part B, and usually Part D.

Compare your Medicare options

In most cases, yes. You can go to any doctor, health care provider, hospital, or facility that's enrolled in Medicare and accepting new Medicare patients.

How to apply for Medicare Part A and Part B before age 65

Some people are automatically enrolled in Original Medicare. If you’ve been receiving disability benefits from Social Security or the Railroad Retirement Board (RRB) for 24 months in a row, you will be automatically enrolled in Original Medicare, Part A and Part B, when you reach the 25th month.

Medicare eligibility for Medicare Advantage (Part C) before 65

After you’re enrolled in Original Medicare, you may choose to remain with Original Medicare (Medicare Part A and Part B) or consider enrollment in a Medicare Advantage plan offered by a private, Medicare-approved insurance company.

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