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How do you qualify for Medicare under 65?

medicare eligibility and medical form

While enrolling in Medicare is mostly common for those 65 and older, it is possible to be eligible for Medicare while you are younger than 65 if:

  • You received Social Security Disability Insurance checks for no less than 24 months, or
  • You have End-Stage Renal Disease

Now, let’s discuss these factors in more detail.

Having a disability

If you have received SSDI checks for more than 24 months because you have a disability, you are eligible for Medicare while under 65. Once you reach the 25th month of receiving the checks, you will automatically be enrolled in Medicare. These 24 months are known as the waiting period.

If you have Amyotrophic Lateral Sclerosis (ALS) and receive SSDI, then you will automatically be enrolled in Medicare during the first month that the SSDI benefits begin. A waiting period does not exist for this particular scenario.

However, keep in mind that Medicare is not who determines whether you are eligible or not. The Social Security Administration (SSA) is the decision maker.

Having ESRD

You may be eligible for ESRD Medicare if you were diagnosed with kidney failure and you are currently receiving dialysis treatments or had a kidney transplant. You may also be eligble if:

  • You are eligible to receive SSDI or Railroad Retirement Board benefits
  • You, your spouse, or your parent have paid Medicare taxes for a specified period that is allotted by the SSA

When your benefits begin ultimately depends on your situation, such as when you apply, where you receive dialysis, or if and when you need a kidney transplant.

Under 65 but not sure if you qualify for Medicare?

No worries! Proinsurance Hawaii can help you determine if you are eligible, what Medicare plan will work best for your needs, and if you will be automatically enrolled. For more information on how to qualify for Medicare, give Proinsurance Hawaii a call today!