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Medicare Before Turning 65

Most Medicare eligibility begins at age 65, but there are some exceptions. Individuals under 65 may be eligible for Medicare coverage if:

medicare-before-turning-65
  • They have qualified for Social Security Disability Insurance (SSDI) for 24 months.
  • They have Lou Gehrig’s Disease/ALS.
  • They have End-Stage Renal Disease.

In some scenarios, an individual will be automatically enrolled in Medicare benefits when they become eligible. In others, the individual must enroll. The exact details of an individual’s eligibility can be confirmed with the Social Security Administration. You can call Social Security at 1-800-772-1213 or visit your local office.

Medicare Benefits Under 65

Medicare benefits for an eligible individual under 65 are the same as those for beneficiaries over 65. Original Medicare consists of Part A and Part B. Part A covers what are broadly thought of as hospital services, including care in a hospital, skilled nursing facility, hospice, or home health. Part B covers medically necessary and preventative health services, including durable medical equipment, ambulance transportation, mental health care, and more. You can learn more about what Medicare Part B covers here.

Medicare Part A is generally premium-free, while Medicare Part B charges a monthly premium. You can learn more about Medicare premiums here. Individuals are still responsible for all applicable deductibles, coinsurance, and copays. Medicare.gov is a good resource for reviewing Original Medicare costs.

Medicare Advantage

Individuals under 65 who qualify for Original Medicare may also be able to join a Medicare Advantage or Medicare Supplement plan. Medicare Advantage plans are offered by private insurance providers who work with the federal government to fulfill all the benefits of Original Medicare. Some plans also offer additional benefits, such as dental, vision, prescription drug coverage, or wellness. Costs vary by plan; some have additional premiums, but others do not.

Once an individual is enrolled in Original Medicare, they can explore their Medicare Advantage options, which will vary based on geographic area and health needs. That’s where easyMedicare.com can help. Our licensed agents can help you evaluate Medicare plans from a number of providers in your area. From reviewing benefits to checking in-network physicians, our agents make your Medicare journey easier.

Call a licensed agent at 1-800-991-4407, 10 a.m. to 9 p.m. Monday - Friday to discuss your Medicare options. There is no cost to you and no obligation.

Additional Reading

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