Who qualifies for Medicare coverage if they are under 65?

Answered by 15 licensed agents

If you’re under the age of 65 and have a disability, you may qualify for Medicare coverage. A qualifying disability is almost any health condition that prevents you from being able to work enough to access employer-sponsored health care benefits. Before you can enroll in Medicare, you must receive Social Security Disability Insurance for two years. If you have end-stage renal disease or amyotrophic lateral sclerosis, also known as ALS or Lou Gehrig’s disease, that 24-month waiting period is waived.

Answered by Brian Moore on February 16, 2025

Broker Licensed in OH

Answered by Brian Moore Medicare Insurance Agent
Those that Medicare has approved for Part A and B.

Of course, there are always other insurance coverages available outside the traditional Medicare system.

Answered by Larry Dalton on March 26, 2025

Broker Licensed in OK & TX

Answered by Larry Dalton Medicare Insurance Agent
Anyone who qualifies for Medicare disability

You have an open enrollment period and you have another enrollment period at age 65

Answered by Joseph Bachmeier on March 27, 2025

Agent Licensed in PA, AZ, DE & 5 other states

Answered by Joseph Bachmeier Medicare Insurance Agent
People under 65 can qualify for Medicare if they meet certain conditions. The most common reason is receiving Social Security Disability Insurance (SSDI) for at least 24 months. Individuals with End-Stage Renal Disease (ESRD) who require dialysis or a kidney transplant can qualify without waiting 24 months. Those diagnosed with ALS (Lou Gehrig’s disease) qualify for Medicare immediately after they start receiving SSDI benefits. Some people may also qualify through a spouse’s work history, even if they haven’t worked enough themselves. It’s always a good idea to speak with a knowledgeable Medicare agent to understand your specific eligibility and coverage options.

Answered by Bill Green on March 26, 2025

Broker Licensed in FL, AL, AZ & 19 other states

Answered by Bill Green Medicare Insurance Agent
Please refer back to a previous question on Social Security and Disability. Disability for 2 years qualifies for Medicare benefits.

Answered by Leslie Helene Sussman on March 31, 2025

Broker Licensed in NJ, FL & PA

Answered by Leslie Helene Sussman Medicare Insurance Agent
Anyone disabled for 24 months become eligible for Medicare at that time which gives you a guaranteed issue time frame for a Medicare Supplement although the premiums are generally higher for clients under 65, and when you reach 65 you will be given another guaranteed issue period and then qualify for regular rates

Answered by Steve Houchens on April 2, 2025

Agent Licensed in KY & TN

Answered by Steve Houchens Medicare Insurance Agent
You can qualify for Medicare under the age of 65 if you have been on disability for at least 24 months.

Answered by Chad Watkins on May 14, 2025

Agent Licensed in NJ, AK, AL & 48 other states

Answered by Chad Watkins Medicare Insurance Agent
A person under the age of 65 can qualify for Medicare if they have a disability, ALS, or end-stage renal failure.

Answered by Ryan Raphael on March 5, 2025

Broker Licensed in MO, AZ, GA, IL & TN

Answered by Ryan Raphael Medicare Insurance Agent
Individuals under 65 can qualify for Medicare if they have been receiving Social Security Disability Insurance (SSDI) benefits for at least 24 months, or if they have Amyotrophic Lateral Sclerosis (ALS) or End-Stage Renal Disease (ESRD). Some individuals with ALS may be automatically enrolled in Medicare, while those with ESRD need to actively sign up.

Elaboration:

Social Security Disability Insurance (SSDI):

If you are under 65 and have been receiving SSDI benefits for 24 months, you are eligible for Medicare Parts A and B, according to the Centers for Medicare & Medicaid Services (CMS).

Amyotrophic Lateral Sclerosis (ALS):

Individuals with ALS are automatically enrolled in Medicare Parts A and B the month their disability benefits begin, says the CMS.

End-Stage Renal Disease (ESRD):

If you have ESRD, you are eligible for Medicare Parts A and B regardless of age, but you need to actively enroll when you first become eligible, states the Centers for Medicare & Medicaid Services.

Answered by Fred Manas on May 15, 2025

Agent Licensed in NY, CT, DC & 7 other states

Answered by Fred Manas Medicare Insurance Agent
Individuals under 65 can qualify for Medicare coverage if they have a disability, End-Stage Renal Disease (ESRD), or ALS (Amyotrophic Lateral Sclerosis). If they are receiving Social Security Disability Insurance (SSDI) benefits, they are automatically enrolled in Medicare Parts A and B after receiving benefits for 24 months. If they have ESRD or ALS, they are also eligible for Medicare.

Answered by Vachik Chakhbazian on May 18, 2025

Agent Licensed in CA, AL, AR & 22 other states

Answered by Vachik Chakhbazian Medicare Insurance Agent
There are certain individuals that would qualify for Medicare. Individuals who have Social Security Disability Insurance benefits for 24 months are eligible for Medicare. Individuals with End-Stage Renal Disease and Individuals with ALS.

It's important to understand that receiving Supplemental Security Income along does not qualify someone for Medicare. The Social Security Administration handles Medicare enrollment, so they are the best resource for detailing eligibility information.

Answered by Linda Bolan on March 12, 2025

Agent Licensed in IN

Answered by Linda Bolan Medicare Insurance Agent
Individuals receiving social security disability insurance benefits or some railroad retirement board (RRB) disability benefits recipients for at least 24 months, individuals with end-stage renal disease (eligibility based on situation) and people with ALS after 24 months of disability benefits.

Answered by Hector Vazquez on May 1, 2025

Broker Licensed in FL & TX

Answered by Hector Vazquez Medicare Insurance Agent
Generally, you must be 65 or older to qualify for Medicare. However, there are exceptions. If you're under 65, you might be eligible if you have a disability or certain medical conditions like End-Stage Renal Disease or ALS.

Answered by Adriana De la Cruz on May 23, 2025

Broker Licensed in TX, AZ, CA & NM

Answered by Adriana De la Cruz Medicare Insurance Agent
Those who have End Stage Renal disease (ESRD), Amyotrophic Lateral Sclerosis (ALS) or have a disability and have received SSI disablity for 24 months.

Answered by Mike Sosso on May 13, 2025

Broker Licensed in TX, AZ, NC & SD

Answered by Mike Sosso Medicare Insurance Agent
The most accurate information is in this document, which mentions starting on page 3 who is eligible including those under 65 special requirements

https://www.ssa.gov/pubs/EN-05-10043.pdf

Answered by Phyllis Dixon on April 10, 2025

Agent Licensed in VA, MD & SC

Answered by Phyllis Dixon Medicare Insurance Agent

Tags: Eligibility

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