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Medicare Insurance – Not Just for Those Ages 65 and Above

By Kenton Koszdin on August 10, 2018 | In General

Medicare Insurance – Not Just for Those Ages 65 and Above

Medicare is a federal health insurance program that has been in existence for 53 years. Today, more than 59 million people are covered by Medicare.

In general, citizens or permanent residents of the U.S. who are age 65 and over are eligible for Medicare coverage, regardless of income or medical history. You must be a resident of the U.S. for at least 5 continuous years to qualify.

In addition to those aged 65 and above, the Medicare program expanded over the years to include other groups too.

  • Individuals with disabilities. If you are eligible for Social Security Disability (SSDI) or Railroad Retirement Board disability benefits, you may qualify for Medicare after receiving disability benefits for 24 months (a waiting period). You do not have to be age 65 to be eligible. If at some point you lose eligibility for those disability payments, you will no longer qualify for Medicare coverage.
  • Individuals with amyotrophic lateral sclerosis. Those with this disease, also known as Lou Gehrig’s disease, and who are also eligible for SSDI may qualify for Medicare coverage with no waiting period and regardless of age.
  • Individuals who are receiving continuing dialysis. If you are receiving dialysis for end-stage renal disease, or if you need a kidney transplant, you may be eligible for Medicare at any age if you meet certain other requirements.

Dependent Coverage Not Available with Medicare

Some federal benefit programs provide benefits for qualified dependents of eligible individuals. However, you must qualify for Medicare on your own. There is no dependent Medicare coverage.

For example, you may be eligible for Medicare, but your spouse, who is under age 65, will not qualify unless she is eligible in another category.

You can learn more about Medicare eligibility in this Social Security Administration brochure.

We Can Help With Your Social Security Disability Application and Appeal

If you or a loved one has been denied Worker’s Compensation or Social Security Disability (SSD) benefits, it’s important to get an attorney experienced in these types of cases involved immediately. Contact The Kenton Koszdin Law Office at 800.438.7734 for your initial free consultation, either in our office or in the comfort of your own home.  Our skilled Social Security attorney can help you navigate the application process for the best possible outcome for you and your family.

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