Medicare Eligibility

Your first question may be “Am I eligible for Medicare”? Generally, adults are eligible for Medicare if they or their spouse worked for at least ten years in Medicare-covered employment and are 65 years old. They also must be a citizen or permanent resident of the United States. If an individual is not 65, they might also qualify for coverage if they have a disability or end-stage renal disease (permanent kidney failure requiring dialysis or transplant).

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Simple Guidelines for Medicare Eligibility

Medicare Eligibility for Adults 65 and Over

Individuals can get Part A at age 65 without having to pay premiums if:

  • They already get retirement benefits from Social Security or the Railroad Retirement Board
  • They are eligible to get Social Security or Railroad benefits but have not yet filed for them
  • They or their spouse had Medicare-covered government employment


Medicare Eligibility for Adults Under 65

Individuals under 65 can get Part A without having to pay premiums if:

  • They have received Social Security or Railroad Retirement Board disability benefit for 24 months
  • They are a kidney dialysis or kidney transplant patient

If participants meet one of these conditions, they don’t have to pay a premium for Part A. However they will have to pay for Part B if they want it. Part B is deducted from the individual’s Social Security, Railroad Retirement, or Civil Service Retirement check. If they don’t get any of the above payments, Medicare will send them a bill for their Part B premium every three months.

medicare eligibility
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Contact Us

Have questions about enrolling in Medicare health insurance plans? Let us help. Contact us through this form or by calling 888-888-7511, and we’ll connect you with a licensed agent.

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