Are You Eligible for Medicare?

Most people qualify for Medicare when they turn 65 if they (or their spouse) worked at least 10 years in Medicare-covered employment and are a U.S. citizen or permanent resident.

If you’re under 65, you may still qualify for Medicare if you have a disability or End-Stage Renal Disease (ESRD)—a permanent kidney failure that requires dialysis or a transplant.

You can receive Medicare Part A (hospital insurance) at age 65 without paying a premium if:

• You already receive retirement benefits from Social Security or the Railroad Retirement Board (RRB).
   
• You are eligible for these benefits but haven’t yet filed for them.
   
• You or your spouse worked in Medicare-covered government employment.

You may get premium-free Part A if:

• You’ve received Social Security or RRB disability benefits for 24 months, or
   
• You’re a kidney dialysis or kidney transplant patient.

While Part A is often free, Medicare Part B (medical insurance) requires a monthly premium.

• Your premium is typically deducted from your Social Security, RRB, or Civil Service Retirement benefits.
   
• If you don’t receive these payments, Medicare will bill you every 3 months.

If you have questions, give us a call. We’re happy to guide you through your Medicare health insurance options and ensure you know what you qualify for.

By contacting the phone number on this website, you’ll be connected with a licensed Medicare agent.