Medicare Under 65

Eligibility

While Medicare is primarily for those ages 65 and over, some exceptions are made that extend benefits to those younger. To be eligible for Medicare before 65, the beneficiary needs to have End-Stage Renal Disease (ESRD), been enrolled in Social Security Disability payments for at least 24 months, or have been diagnosed with Amyotrophic Lateral Sclerosis (ALS). If the individual has been diagnosed with ALS or ESRD, they are not required to meet the 24-month benefit stipulation.

Coverage

If you’re enrolling in Medicare because of disability, your coverage will provide the same services that it does for those who are enrolling at 65. Medicare covers varying services, providing options for those who wish to maintain their skills or slow the effects of their disability.

How do I enroll?

If you’ve been getting Social Security Disability benefits for 24 months, you should automatically be mailed your Medicare card and enrolled. If you wish to enroll and haven’t been automatically, you can contact a Social Security office and ask for help.

Choosing a specific plan

The best way to choose a plan is to enlist the help of an insurance provider so that all your questions can be answered. If your child has a certain condition or needs specific treatment, there may be a plan combination that you should enroll in to receive the maximum benefits. For example, children in dialysis should most likely be enrolled in Parts A, B, and D. Part A will cover hospitalization, Part B will insure daily services and doctor visits, and Part D will guarantee that the child has access to needed medication.

Wondering if you or your child would benefit from Medicare coverage?
Call us at 1-877-874-0711.