Medicare Eligibility

Check Your Medicare Eligibility

You may be eligible for Medicare if ONE of these statements is true for you:

  1. You’re 65+ and eligible for Social Security
  2. You have end-stage renal disease (ESRD)
  3. You’re permanently disabled and get disability benefits for at least 2 years
  4. You have ALS or Lou Gehrig’s disease

What Is Medicare?

Medicare is federal health insurance for people age 65 and older, and under 65 with certain disabilities. Medicare is divided into parts:

  • Part A hospital coverage
  • Part B doctors coverage
  • Part C Medicare Advantage
  • Part D Prescription drug coverage

Parts A and B make up Original or basic Medicare. Then, there are Medicare Supplement (Medigap) plans. Understanding these parts can help you know what to sign up for and when to do it.

Who Is Eligible for Medicare?

Medicare eligibility is mostly based on age. You must be 65+ or have qualifying disability.

People who qualify for a disability must collect Social Security disability benefits for at least 24 months before they are eligible for Medicare. Though, there are some exceptions. For example, someone with End-Stage Renal Disease can qualify for Medicare much sooner, generally right after their diagnosis. 

Premium-Free Medicare

Some people are eligible for premium-free Part A benefits. This applies to those who are receiving retirement benefits from Social Security or the Railroad Retirement Board. It also applies to people who are eligible for such benefits but have not filed for them yet. 

Usually, your eligibility for premium-free benefits also depends on how long you have paid into Medicare taxes. Someone with 40 quarters of tax payments will qualify for completely free Part A benefits.

Call an Expert for Guidance

Not sure if you are eligible to receive Medicare benefits? Give our licensed experts a call at 501-881-2050.