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Medicare Eligibility If You Are Under 65

Tamera Jackson by Tamera Jackson | Licensed since 2007

This article was updated on: 10/14/2016

Medicare is usually available to Americans aged 65 and older. In some cases, however, the Medicare eligibility age is lower; people under 65 with certain disabilities qualify for Medicare enrollment.

If you’ve been getting disability benefits from Social Security or from the Railroad Retirement Board for 24 months in a row, you will be automatically enrolled in Original Medicare, Part A and Part B, when you reach the 25th month. If you have amyotrophic lateral sclerosis (ALS, or Lou Gehrig’s disease), you’re enrolled in Medicare automatically the month you start getting disability benefits.

Likewise, people of any age who have end-stage renal disease (ESRD) may become eligible for Medicare. ESRD is permanent damage to the kidneys that requires regular dialysis or kidney transplant to maintain life. If you have ESRD, you don’t get enrolled in Medicare Part A and Part B automatically; you have to sign up. You usually can’t enroll in a Medicare Advantage (Medicare Part C) plan if you have ESRD, but there are some exceptions.

If you’re enrolled in Original Medicare, but want to explore other Medicare plan options, I’ll do my best to answer your questions. Check out my profile by clicking on the “View profile” link below. If you like, request a phone appointment or get an email from me; I’ll send you Medicare information tailored to your needs. To see Medicare plan options now, try the Compare Plans buttons on this page. Or, to get assistance quickly from a licensed insurance agent, feel free to call us.

Call Medicare.com’s licensed insurance agents at 1-844-847-2659, TTY users 711; Monday through Friday, 8AM to 8PM ET.

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