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Medicare Eligibility

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65 and older

You qualify for Medicare if you are 65 years of age or older and you meet any of the following criteria:

  • You or your spouse receives or is eligible to receive Social Security or railroad retirement benefits
  • You or your spouse (living or deceased, including divorced spouses) worked long enough in a government job where Medicare taxes were paid
  • You are the dependent parent of a fully insured deceased child

Younger than 65

You qualify for Medicare if you are younger than 65 years of age and you meet any of the following criteria:

  • You have been entitled to Social Security disability benefits for 24 months
  • You receive a disability pension from the Railroad Retirement Board and meet certain conditions (See RRB.gov for details.)
  • You receive Social Security disability benefits because you have Lou Gehrig’s disease—also referred to as ALS (amyotrophic lateral sclerosis)
  • You worked long enough in a government job where Medicare taxes were paid and you have been entitled to Social Security disability benefits for 24 months
  • You are the child or widow(er) age 50 or older, including a divorced widow(er), of someone who has worked long enough in a government job where Medicare taxes were paid and you meet the requirements of the Social Security disability program
  • You have permanent kidney failure and you receive maintenance dialysis or a kidney transplant and meet at least one of the following criteria: 
    • You are eligible for or receive monthly benefits under Social Security or the railroad retirement system
    • You have worked long enough in a Medicare-covered government job
    • You are the child or spouse (including a divorced spouse) of a worker (living or deceased) who has worked long enough under Social Security or in a Medicare-covered government job

How Do You Apply?

Now that you know how to qualify for Medicare, you need to know how to apply and when to do it. We can help you get started.

How to sign up for Medicare