Medicare Eligibility

To enroll for Medicare, you must meet the eligibility requirements. You can qualify for Medicare through three means. You can be eligible because of age, disability, or if you have certain health conditions. This can include End-Stage Renal Disease or Amyotrophic Lateral Sclerosis (ALS). 


For qualification by age, you become eligible for Medicare three months before you turn 65. There is a period known as the Initial Enrollment Period which begins three months before your 65th birthday and ends three months after turning 65. If you are eligible for Medicare, you can register during this period. However, if you delay enrollment, you can register during the General Enrollment Period, though you will have to pay a late enrollment penalty. You can also qualify for Medicare before turning 65 if you receive disability benefits. 


To qualify for Medicare because of a disability, you must have received disability benefits from Social Security for a period of 24 months. If you are eligible for Medicare because you receive Social Security disability benefits, your Initial Enrollment period will fall between the 22nd month of receiving disability benefits, i.e., three months before you become eligible to receive Medicare benefits. 

End-Stage Renal Disease or Amyotrophic Lateral Sclerosis

Apart from age and disability benefits, you can qualify for Original Medicare if you have End-Stage Renal Disease (ESRD). If you have ESRD, you must either need regular dialysis or a kidney transplant to qualify for Medicare. In cases like that, your Medicare coverage will come into effect after your first dialysis. However, if you receive a kidney transplant and you no longer need dialysis, then your Medicare eligibility will expire. 

Individuals who have Amyotrophic Lateral Sclerosis will automatically qualify for Medicare Part A and Part B. 

General Requirements

If you get disability benefits from the Railroad Retirement Board, you can qualify for Medicare while under 65 if you meet some requirements. If you qualify for Medicare as a result of meeting the requirements we have mentioned above, you must also meet some general requirements before you can enroll for Medicare. 

First, you must be a citizen of the United States or a permanent legal resident in the United States for a period of five years or more. Applicants must not be incarcerated and must have a fixed residence or address in the United States, Lastly, you must be ready to receive healthcare within the United States under Medicare-approved health providers and not abroad.

If you are unsure if you are eligible for Medicare, don’t wait any longer. Reach out to us today to learn more about your eligibility and which Medicare plan would best suit your needs.