Why Would Someone Under 65 Have Medicare

Understanding Disability and Medicare Eligibility

Many people think of Medicare as a program for those who are 65 years of age and older. However, people under 65 with disabilities can also qualify for Medicare. If you're a person with a disability or know someone who is, it's important to understand how disability benefits and Medicare eligibility intersect.

• Medicare is available to people who receive Social Security Disability Insurance (SSDI).

• After receiving social security disability benefits for 24 months, a person can qualify for Medicare.

• This includes Medicare Part A and Part B, which provide different types of health care coverage.

Enrolling in Medicare Under 65 with Disabilities

If you're under 65 with disabilities, enrolling in Medicare might seem daunting, but it’s quite straightforward. Keep in mind that:

• Individuals who receive disability benefits through Social Security for 24 months are automatically enrolled in Medicare Part A and Part B.

• This automatic enrollment means you don’t have to sign up for Medicare separately from your disability benefits.

• If you have ALS or are a person with ESRD, you may qualify for Medicare sooner without the 24-month waiting period.

Medicare Coverage for People Under 65

Medicare coverage for those under age 65 with disabilities is comprehensive, offering a range of health insurance options. Here's what you can expect:

• Original Medicare (Part A and B): Covers hospital insurance and medical services.

• Medicare Advantage (Part C): Offers additional benefits through private insurers.

• Medicare Part D: Covers prescription drugs, providing crucial support for those with ongoing medical needs.

Social Security Benefits and Medicare Eligibility

Receiving Social Security benefits is a key factor in determining Medicare eligibility for people under 65. Here’s how it works:

• If you qualify for Social Security Disability Insurance, you're likely on the path to Medicare eligibility.

• Once receiving social security benefits for 24 months, Medicare is automatically extended to you.

• It’s important to regularly check with your local Social Security office to ensure that your benefits and Medicare coverage are up to date.

We're Here to Help

Enrolling in Medicare, especially under 65, can be complex. At Virginia Insurance Advisors, we're committed to helping you understand your options. Our team is ready to assist you with:

• Understanding the parts of Medicare that best suit your needs.

• Guiding you through Medicare Advantage Plans and supplemental insurance.

• Offering personalized advice to ensure you have the right coverage.

If you or someone you know is under 65 and may qualify for Medicare due to a disability, don't hesitate to reach out. Call us at (804) 613-6153 or visit our office in Amelia Court House, VA, to get the assistance you need. Let Virginia Insurance Advisors help you ensure your health insurance needs are met with the right Medicare Plan.