Who Is Eligible?

Medicare eligibility generally begins at age 65, but there are other criteria that allow individuals to qualify for benefits. For instance, those who have been receiving Social Security disability benefits for at least 24 months or have end-stage renal disease or Amyotrophic Lateral Sclerosis (ALS) may also be eligible. If you’re under the age of 65, you can still qualify if you’re a US citizen or permanent resident and have lived in the United States continuously for at least five years or if you have a disability that meets the Social Security Administration’s definition, and you’ve been receiving Social Security disability income benefits for 24 months.

Medicare Part A coverage is available to individuals who or whose spouse have worked in the US for at least 10 years. Even if you haven’t worked for a full 10 years, you can still purchase Part A. You will be automatically enrolled in Part A when you turn 65 if you have already enrolled in Social Security benefits. Expect to receive your Medicare card in the mail approximately 4-6 weeks before you turn 65.

The same eligibility requirements apply to Medicare Part B coverage as they do for Part A, except that there is a monthly premium. It is essential to pay close attention to enrollment dates to avoid late fees. If you enroll in Part B during your Initial Enrollment Period, which is the seven-month period that begins three months before your 65th birthday and ends three months after, you won’t have to pay a late fee.

To be eligible for Medicare Part C (Medicare Advantage), individuals must be enrolled in both Parts A and B and reside within the plan’s service area. Medicare Advantage plans are provided by private insurance companies that are approved by Medicare, and they may offer additional benefits, such as dental, vision, and hearing coverage.

Medicare Part D (prescription drug coverage) is also available to individuals who are enrolled in both Parts A and B and reside within the plan’s service area. It’s important to enroll in Part D during your Initial Enrollment Period to avoid late fees. If you don’t enroll in Part D when you’re first eligible, you may have to pay a penalty if you decide to enroll later.