Knowing when you qualify for the different parts of Medicare is important since it lets you know when you can enroll. Let’s start with Original Medicare (Part A and Part B).
Who is Eligible for Original Medicare (Parts A and B)?
Generally, you’re eligible for Original Medicare (Parts A and B) if you’re a U.S. citizen or you’ve been a legal permanent resident for at least 5 continuous years, and one of the following applies to you:
- You’re 65 or older and eligible for Social Security
- You’re under 65, permanently disabled and you’re receiving disability benefits from Social Security or the Railroad Retirement Board
- You have end-stage renal disease (ESRD)
- You have ALS (Amyotrophic Lateral Sclerosis), also known as Lou Gehrig’s Disease
Most people qualify for Original Medicare (Parts A and B) when they turn 65. But the rules about Medicare eligibility and when you can enroll for Parts A and B are quite complex. They’re based on your age, whether you’re retired or still working, and whether or not you’re receiving Social Security benefits. To make it easier for you, you can use our Medicare Eligibility/Enrollment Calculator to find out exactly when you should enroll.
Are you eligible for Medicare benefits if you’re under 65 and receiving Social Security Disability Insurance?
If you’re permanently disabled and you’ve been receiving Social Security Disability Insurance (SSDI) benefits for 2 years, you’re eligible for Medicare and you’ll be automatically enrolled in Medicare Parts A and B.
If you have End-Stage Renal Disease (ESRD), you’ll qualify for Original Medicare (Parts A and B), no matter how old you are. You’ll need to sign up for Medicare when you first become eligible, as enrollment is not automatic. Contact Social Security
If you have ALS (Amyotrophic Lateral Sclerosis), also known as Lou Gehrig’s disease, you’ll be automatically enrolled in Medicare Parts A and B the month your disability benefits begin –whatever your age is.
How do you become eligible for Medicare Part C, Part D and Medicare Supplement plans?
You’re eligible for Medicare Advantage (Part C), Prescription Drug (Part D) or Medicare Supplement plans after you’ve signed up for Original Medicare Part A and Part B. Make sure that the plan you wish to sign up for is available in your area.
If you’re ready to start shopping, we can help you find a plan in your area that’s based on doctors you’d like to see and other preferences.
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If your state isn't listed, check out bcbs.com to find coverage in your area.
