Are You Eligible For Medicare
Generally, you are eligible for Medicare if you or your spouse worked for at least 10 years or 40 quarters in Medicare-covered employment and you are 65 years old and a citizen or permanent resident of the United States.
When first signing up for Medicare, most people enroll automatically within their Initial Eligibility Period or Open Enrollment Period which lasts for a total of seven months.
Open Enrollment begins three months before your 65th birth month includes your birth month, and lasts for three months after your birth month.
During the Open Enrollment Period, a new Medicare enrollee can elect to participate in original Medicare, taking parts A and B for hospital and medical coverage and you can also add a Medicare Part D prescription plan at additional cost
If you’re under 65, you might also qualify for coverage if you have a disability or End-Stage Renal Disease (ESRD is permanent kidney failure requiring dialysis or transplant).
Here are some simple guidelines.
You Are Eligible For Medicare Part A At Age 65 If:
You already get retirement benefits from Social Security or the Railroad Retirement Board.
You are eligible to get Social Security or Railroad benefits but have not yet filed for them.
You or your spouse had Medicare-covered government employment for 10 years or 40 quarters.
If You Are Under 65, You Are Eligible For Medicare Part A Without Having To Pay Premiums If:
You have received Social Security or Railroad Retirement.
You’ve received Board disability benefits for 24 months.
You are a kidney dialysis or kidney transplant patient.
Medicare Part B Eligibility
The same eligibility guidelines apply to Medicare Part B as Medicare Part A.
While you don’t have to pay a premium for Part A if you meet one of the above conditions, you will pay a monthly premium for Medicare Part B.
The Medicare Part B Premium (discussed in more detail in the Medicare 2019 Cost at a Glance section) is deducted from your Social Security, Railroad Retirement or Civil Service Retirement check.
If you don’t qualify for any of the above payments, Medicare will send you a bill for your Part B premium every 3 months.
If you have questions about your eligibility for Medicare Part A or Part B, or if you want to apply for Medicare, please call Social Security at 1-800-772-1213.
As an alternative, you can visit or call your local Social Security office.
TTY users should call 1-800-325-0778
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