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Medicare Eligibility | Sign Up For Medicare
Key Points
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Medicare eligibility is independent of Social Security retirement age.
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Most people qualify at age 65 during their 7-month Initial Enrollment Period.
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Individuals under 65 may qualify if they receive SSDI benefits, have certain health conditions, or have ALS.
Eligibility Details
Medicare Part A
​Available at age 65 if you or your spouse have worked for 10 years in the U.S. and paid Medicare taxes. If not, you can purchase Part A. Automatic enrollment occurs if you’re receiving Social Security benefits.
Medicare Part B
​Available at age 65 with a monthly premium. If you have employer health insurance, you can delay Part B without penalty. Consult with an insurance agent about Special Enrollment Periods.
Medicare Part C
​Known as Medicare Advantage, it requires enrollment in both Part A and B. These plans are offered by private insurers and may include Part D coverage.
Medicare Part D
​Provides prescription drug coverage. You must be enrolled in Part A and/or B and live in the plan’s service area. Enroll to avoid late penalties if you have no other creditable drug coverage.
Frequently Asked Questions
Underage 65 Eligibility
​You may qualify if receiving SSDI benefits for 24 months, have end-stage renal disease, or have ALS.
US Citizenship
​Must be a U.S. citizen or permanent resident with at least 5 years of continuous residence.
Work History
​Eligibility for Medicare is not based on work history, but those with 10 years of Medicare taxes receive premium-free Part A.
Mandatory Enrollment
​Not mandatory, but delaying without other creditable coverage incurs penalties. Social Security enrollees are automatically enrolled in Part A.
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