Medicare Eligibility

There are several ways in which people can become eligible for Medicare. For many, eligibility starts when they turn 65. However, this is not the only determining factor. If you are a U.S. citizen, a permanent legal resident, or have received Social Security disability benefits for at least 24 months, you are also eligible. 

You may also be eligible for Medicare if you are under 65 by:

  • Having End-Stage Renal Disease (ESRD)
  • Having Amyotrophic Lateral Sclerosis (ALS)
  • Being permanently disabled and receiving Social Security disability income for at least 24 months

Original Medicare Eligibility

Original Medicare consists of both Medicare Parts A and B. To be eligible for premium-free Part A, you or your spouse must have worked at least 10 years (40 quarters) in the U.S. and paid taxes. To be automatically enrolled in Part A, you must already be enrolled in Social Security. If you do not qualify for premium-free Part A or automatically enrollment, you can also purchase Part A yourself.

The eligibility requirements for Part A are the same for Part B. However, you cannot receive premium-free Part B.

Medicare Advantage and Part D

To be eligible for a Medicare Advantage Plan, or Part C, you must be enrolled in Original Medicare. If you enroll in a Medicare Advantage Plan, you cannot drop your Original Medicare coverage. By dropping these parts, you will automatically lose your Medicare Advantage coverage.

To be eligible for Part D, you must be enrolled in Part A or Part B.

Is Medicare necessary?

Enrolling in Medicare is not required. However, if you do not have health insurance and choose to delay your enrollment into Medicare, you could face late enrollment penalties.

For more information regarding your eligibility with Medicare, reach out to CJC Advisors today!

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