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Who Qualifies For Medicare?

Some great and practical tips to help you understand who qualifies for Medicare and the general age and residency eligibility requirements that need to be met.

Medicare is a government sponsored health insurance program that is available to most American citizens and legal residents. People who qualify for this plan must meet some general eligibility requirements before being accepted. This public insurance policy covers most individuals who are 65 years of age or older. Additionally, some citizens who are under 65 years old may be allowed to enroll under certain circumstances.

A Person Who Qualifies for Medicare at 65 or Older

A citizen or permanent resident who is 65 years of age or older is automatically eligible for this program, if they have paid taxes for at least ten years or more. Individuals who are qualified or are receiving social security disability or railroad retirement benefits will also be allowed to enroll. A widower, widow or child of a person who was employed for 10 years and paid taxes is also eligible. Legal immigrants who have lived in the country for five years will be required to pay a monthly premium.

Eligibility Rules For People Under the Age Of 65

Individuals, who are under the age of 65 and are receiving social security disability checks or railroad retirement benefits for 2 years, automatically meet the eligibility criteria for this program. A resident who qualifies for Medicare can also be a disabled widower or widow who has not applied for social security benefits or a legal guardian caring for a child with kidney failure. Furthermore, patients who require a kidney transplant and are receiving dialysis treatments or suffer from Lou Gehrig’s disease are also eligible for enrollment.

General Enrollment Period Guidelines

A person who qualifies for Medicare is encouraged to sign up during the initial enrollment period. However, individuals who choose to participate at a later date will be assessed a 10% increase in monthly premiums for each year after initial eligibility.



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