Medicare is a federal health insurance program primarily for individuals aged 65 and older, but eligibility extends beyond this age group under certain conditions. Understanding who qualifies can help you or your loved ones navigate the enrollment process effectively.

General Eligibility Criteria

1. Age 65 and Older: The primary group eligible for Medicare are individuals who are 65 or older. You can qualify for Medicare when you turn 65, and the enrollment period begins three months before your 65th birthday and ends three months after.
2. U.S. Citizens or Legal Residents: To be eligible, you must be a U.S. citizen or a legal resident who has lived in the country for at least five years.

Eligibility for Younger Individuals

1. Disability: If you are under 65, you may qualify for Medicare if you have been receiving Social Security Disability Insurance (SSDI) benefits for at least 24 months. You will be automatically enrolled in Medicare when you approach the 25-month mark of receiving SSDI benefits.
2. End-Stage Renal Disease (ESRD): Individuals of any age with End-Stage Renal Disease (ESRD), which is permanent kidney failure requiring dialysis or a kidney transplant, can qualify for Medicare.
3. Amyotrophic Lateral Sclerosis (ALS): Also known as Lou Gehrig’s disease, ALS qualifies individuals for Medicare as soon as they start receiving SSDI benefits, without waiting the usual 24 months.

Special Considerations

• Spouses and Dependents: If you are married or have dependents who qualify due to disability or other conditions, they may also be eligible for coverage under Medicare.

Understanding these eligibility requirements can help you or your family members prepare for Medicare enrollment and ensure that you get the coverage you need when the time comes.