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Are you Eligible for Medicare?

Generally, you are eligible for Medicare if you or your spouse contributed 40 quarters which it is about 10 years of work contributing to your Medicare-covered employment and you are 65 years old a citizen or permanent resident of the United States.

If you are not 65, you might also qualify for coverage if you have a disability or with End-Stage Renal disease (permanent kidney failure requiring dialysis or transplant), or amyotrophic lateral sclerosis (Lou Gehrig’s disease).

Here are some simple guidelines. You can get Part A at age 65 without having to pay premiums 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.

If you are under 65, you can get Part A without having to pay premiums if:

  • You have received Social Security or Railroad Retirement
  • Board disability benefit for 24 months. You are a kidney dialysis or kidney transplant patient or amyotrophic lateral sclerosis (Lou Gehrig’s disease). .

While you don’t have to pay a premium for Part A if you meet one of those conditions, you must pay for Part B if you want it. It is deducted from your Social Security, Railroad Retirement, or Civil Service Retirement check. If you don’t recieve any of the above payments, Medicare sends 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 or visit your local Social Security office. TTY users should call 1-800-325-0778.

You can also get information about buying Part A and Part B if you don’t qualify for premium-free Part A.

By submitting your personal information you are authorizing us to contact you regarding your insurance inquiry.