Medicare Eligibility

For most people, Medicare eligibility begins at age 65. However, those who have been collecting Social Security disability benefits for at least two years are also eligible. There are also other criteria that allow you to be eligible to get Medicare benefits.

Can I Qualify for Medicare?

So, you are eligible for Medicare coverage at age 65 if you are a U.S. citizen or a permanent resident and you have lived here (continuously) for at least five years. 

If you are under age 65, you can also qualify if you meet the following standards:

  • You have end-stage renal disease
  • You have Amyotrophic Lateral Sclerosis (Lou Gehrig’s Disease)
  • You are permanently disabled and you have been receiving Social Security disability income benefits for two years

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Medicare Eligibility for Part A

You qualify for Medicare Part A coverage at no cost at 65 as long as you or your spouse has worked for at least a decade in the U.S. If you have not worked here for 10 years, you may still purchase Part A coverage. 

You will automatically be enrolled in Medicare Part A as long as you have already enrolled in Social Security. If not, you will need to call the Social Security office to enroll. 

Your Medicare card will come around one month before your 65th birthday.

Medicare Eligibility for Part B

Part B has the same eligibility requirements as Part A. There is a monthly premium, however.

Medicare Eligibility for Part C

To qualify for Medicare Part C or Medicare Advantage, you must first be enrolled in Original Medicare (Parts A and B).

Medicare Eligibility for Part D

You qualify for Part D as long as you are enrolled in EITHER Part A or B.

Do I Have to Enroll in Medicare?

Many folks ask if they have to sign up for Medicare. The truth is, you do not, but without other health insurance coverage, you will face punishment for delaying your Medicare enrollment. Part A is usually free, as long as you worked for a decade in the U.S. Plus, if you enroll into Social Security income benefits, you will be automatically enrolled in Medicare Part A once you hit 65. 

If you have further questions about Medicare Eligibility, give us a call at 800-515-4031.