Am I Eligible for Medicare?
If you are retired, or near retirement age, you may be wondering what to do next. You may have heard about Medicare and know that it is a program for people 65 years of age or older who need help paying for health insurance. But how do I know if I am eligible? It can be difficult to find out on your own – let’s explore the qualifications so you can make an informed decision with confidence!
Medicare Expert, Lindsay Malzone, knows if you’re eligible or not.
You are automatically eligible for Medicare if you turn 65, and the only way to waive your eligibility is by enrolling in a health plan through an employer. If yo’re retired or close to retirement at 62 years old, you also qualify for Medicare right away when enrolled in Social Security Disability Insurance (SSDI) benefits.
If I’m not currently receiving SSDI payments, can I still get on Medicare now?
Yes! You may be able to apply for early enrollment into the program based on disability status as well as some other factors that we’ll cover later. This type of application process is called “qualifying under Section 1811.” There are strict qualifications – so make sure to review them before applying.
Additionally, if you are now in the hospital and unable to work due to an injury or illness, Medicare can take effect once your stay (up to 90 days) is over. You’ll need a doctor’s note confirming that this was the reason for entering hospita lization though!
If I’m not 65 years old yet but have disabilities, am I eligible?
No – unfortunately not everyone with disabilities qualifies for early enrollment into Medicare based on disability status. If you’re currently receiving SSDI benefits as well as other types of public assistance programs like Supplemental Security Income (SSI), then you may be able to qualify under Section 1811 and enroll in Medicare before turning 65.