
Why Would Someone Under 65 Be on Medicare?
Understanding Medicare and Social Security for People Under 65
Medicare is often associated with people who are 65 years of age or older, but did you know that there are special circumstances where individuals under 65 can qualify for Medicare? Understanding these circumstances can help you or a loved one get the coverage needed.
Medicare Eligibility Through Disability
Many people under 65 receive Medicare due to disability. If you have been receiving Social Security Disability Insurance (SSDI) benefits for 24 months, you are automatically eligible for Medicare. This process ensures that those who cannot work due to a disability have access to healthcare.
Receive Social Security Disability benefits for 24 months
Qualify for Medicare automatically after 24 months of SSDI
Includes Medicare Part A and Part B
Enrolling in Medicare for ALS and ESRD
There are specific conditions where people under 65 can enroll in Medicare without waiting for 24 months of SSDI benefits. For instance, if you are diagnosed with amyotrophic lateral sclerosis (ALS), also known as Lou Gehrig's disease, you qualify for Medicare as soon as you start receiving SSDI benefits.
Additionally, if you have end-stage renal disease (ESRD), you can enroll in Medicare. People with ESRD often require kidney dialysis or a kidney transplant and need the coverage Medicare provides.
Medicare Coverage and Benefits for Younger Individuals
Once eligible, Medicare coverage includes important benefits that can help manage medical costs. Original Medicare consists of Part A, which covers hospital stays, and Part B, which deals with outpatient care. Many people also choose a Medicare Advantage Plan for additional coverage options.
Understanding your Medicare benefits can help you make informed decisions about your healthcare.
How to Sign Up for Medicare If You Are Under 65
If you are eligible for Medicare due to disability, ALS, or ESRD, you might wonder how to sign up. The process is often automatic for those receiving SSDI or Railroad Retirement Board benefits. However, if you need to enroll manually, it’s important to apply through the Social Security Administration to ensure you receive your Medicare card and coverage.
Working People and Medicare Eligibility
Working people under 65 might still qualify for Medicare if they meet certain conditions. If you or your spouse paid Medicare taxes for a sufficient period, you might be eligible due to disability or specific diseases. It’s crucial to understand your eligibility to take advantage of these benefits.
We're Here to Help
If you or someone you know is under 65 and may qualify for Medicare, Bourgeois Insurance Agency, LLC in Thibodaux, Louisiana is here to help. Our team can guide you through the enrollment process, explain your Medicare benefits, and help you understand your options.
Don't wait to get the coverage you need. Call us today at (985) 803-8999 to speak with one of our knowledgeable representatives. Let us help you navigate your healthcare options with confidence.